Exhibit 99.7 Schedule 5
QM ATR Data
Run Date - 05/14/2025 9:41:43 AM
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | Loan Level ATR/QM Status | Verified Safe Harbor | Application Date Prior to 1/10/2014 | Lender Application Date | GSE Eligible | CDFI Indicator | ATR/QM Total Points and Fees | Rate Lock Date | APR | Borrower Employment Indicator | Co Borrower Employment Indicator | Borrower Foreign National Indicator | Borrower Residency Source | Co Borrower Foreign National Indicator | Co Borrower Residency Source | Residual Income to Qualify? | ATR/QM Residual Income |
| 1625541 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1626587 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628788 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628427 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/05/2024 | 7.614% | Self-Employed | Not Required | US Citizen | US Citizen | Yes | $5,796.00 | ||
| 1628820 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | US Citizen | Yes | $16,120.43 | ||||||
| 1628785 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/19/2024 | 7.786% | Self-Employed | US Citizen | No | |||||
| 1630565 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1630711 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1629820 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1629822 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1630263 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 11/26/2024 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $5,221.92 | ||||
| 1630518 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1630715 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1630910 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Foreign National | B-1 Visa | No | ||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 12/10/2024 | 0.00% | Self-Employed | Permanent Resident Alien | ITIN IRS Letter | Yes | $5,940.05 | ||||
| 1629823 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Foreign National | No | |||||||
| 1629825 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1629826 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | Non Permanent Resident Alien | R-1 Visa | Permanent Resident Alien | No | ||||
| 1630067 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1631371 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| 1630069 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Self-Employed | US Citizen | No | |||||||
| 1630074 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Foreign National | No | |||||||
| 1629922 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1629910 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1629924 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1629830 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 12/04/2024 | 0.00% | Self-Employed | Permanent Resident Alien | Yes | $41,210.50 | |||||
| 1631775 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1629925 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | No | ||||||
| 1630070 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 12/09/2024 | 0.00% | Self-Employed | Non Permanent Resident Alien | Other | Yes | $9,712.99 | ||||
| 1629926 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1629911 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1630194 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | No | ||||||
| 1629927 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1630637 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | Yes | No | Yes | 0.00% | Not Required | US Citizen | No | ||||||||
| 1630571 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | Permanent Resident Alien | No | |||||
| 1630572 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 12/27/2024 | 0.00% | Employed | US Citizen | Yes | $44,834.13 | |||||
| 1624450 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 09/24/2024 | 9.191% | Self-Employed | US Citizen | Yes | $2,219.92 | ||||
| 1628413 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/27/2024 | 9.181% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $26,116.56 | ||
| 1629225 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1629086 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11,348.25 | 11/06/2024 | 8.376% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $11,431.39 | |||
| 1628328 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628887 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/12/2024 | 8.08% | Self-Employed | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $5,964.21 |
| 1629652 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| 1628245 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | Yes | $0.00 | ||||||
| 1629029 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1629751 | XXXXXXXXX | XXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 12/12/2024 | 8.346% | Employed | Unemployed | US Citizen | US Citizen | Yes | $13,799.05 | ||
| 1629152 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629681 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629612 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/13/2024 | 8.153% | Self-Employed | Unemployed | US Citizen | US Citizen | Yes | $14,551.64 | ||
| 1452242 | XXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629857 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 12/11/2024 | 7.254% | Self-Employed | US Citizen | Yes | $12,234.85 | ||||
| 1625884 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1625032 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1626117 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 09/27/2024 | 8.371% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $6,701.40 | ||
| 1627923 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 10/17/2024 | 7.101% | Not Required | US Citizen | Yes | -$3,917.30 | ||||
| 1629232 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 11/27/2024 | 0.00% | Not Required | Foreign National | No | ||||||
| 1629090 | XXXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | Self-Employed | US Citizen | US Citizen | Yes | $17,907.67 | ||||
| 1627571 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1627996 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1627972 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1629334 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 11/27/2024 | 0.00% | Not Required | Foreign National | R-1 Visa | No | |||||
| 1629158 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1628936 | XXXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Employed | US Citizen | US Citizen | Yes | $17,877.45 | ||||
| 1628875 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628934 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/12/2024 | 8.206% | Employed | US Citizen | Yes | $1,661.26 | ||||
| 1629459 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1629155 | XXXXXXXXX | XXXXXXXXX | Higher Priced QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $17,680.00 | 10/25/2024 | 8.01% | Self-Employed | US Citizen | Yes | $9,651.65 | ||||
| 1630281 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 10/16/2024 | 7.065% | Employed | Employed | US Citizen | US Citizen | Yes | $4,690.95 | ||
| 1629076 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 10/23/2024 | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1629852 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Permanent Resident Alien | US Citizen | No | |||||
| 1630208 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | P1 Visa | No | ||||||
| 1628329 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | Permanent Resident Alien | No | |||||
| 1626690 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 09/24/2024 | 8.858% | Self-Employed | Permanent Resident Alien | Yes | $6,557.06 | ||||
| 1628905 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Permanent Resident Alien | Permanent Resident Alien | No | |||||
| 1628612 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628883 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1630020 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1445133 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628513 | XXXXXXXXX | XXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $7,343.30 | 11/21/2024 | 8.352% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $13,191.09 | |||
| 1627344 | XXXXXXXXX | XXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 10/23/2024 | 7.854% | Self-Employed | US Citizen | Yes | $6,438.47 | ||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 10/29/2024 | 8.557% | Self-Employed | US Citizen | Yes | $4,865.19 | ||||
| 1629161 | XXXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 10/23/2024 | 7.486% | Self-Employed | US Citizen | Yes | $61,248.45 | ||||
| 1629804 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1626893 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 10/18/2024 | 6.848% | Self-Employed | US Citizen | Yes | $23,293.39 | ||||
| 1445120 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No |