EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.35

 

 

QM ATR Data
Run Date - 05/28/2025 2:03:42 PM
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
1431768 XXXX XXXX Non-QM N/A No XXXX No No $17,987.71 07/11/2022 7.554% Self-Employed Self-Employed US Citizen   US Citizen   No  
1633699 XXXX XXXX Non-QM N/A No XXXX No No $0.00 11/13/2024 8.42% Employed   US Citizen       Yes $36,775.48
1640081 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/03/2025 7.451% Not Required Not Required US Citizen   US Citizen   Yes $33,535.17
1640082 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/21/2025 8.293% Not Required Not Required US Citizen   US Citizen   Yes $19,428.55
1633702 XXXX XXXX Non-QM N/A No XXXX No No $8,597.80 11/12/2024 8.289% Self-Employed   US Citizen       Yes $10,187.39
1631547 XXXX XXXX Non-QM N/A No XXXX No No $0.00 11/21/2024 8.398% Employed   US Citizen       Yes $2,645.33
1633706 XXXX XXXX Non-QM N/A No XXXX No No $0.00 01/16/2025 8.801% Self-Employed Not Required US Citizen   US Citizen   Yes $5,091.50
1633707 XXXX XXXX Non-QM N/A No XXXX No No $0.00 11/13/2024 8.141% Self-Employed   US Citizen       Yes $1,822.67
1631553 XXXX XXXX Non-QM N/A No XXXX No No $21,227.60 11/22/2024 9.085% Self-Employed Unemployed US Citizen   US Citizen   Yes $14,620.98
1631592 XXXX XXXX Non-QM N/A No XXXX No No $0.00 12/09/2024 9.443% Employed   Non Permanent Resident Alien       Yes $2,842.77
1633726 XXXX XXXX Non-QM N/A No XXXX No No $0.00 12/13/2024 8.665% Self-Employed Employed US Citizen   US Citizen   Yes $22,416.90
1633637 XXXX XXXX Non-QM N/A No XXXX No No $11,007.50 12/05/2024 7.612% Self-Employed   US Citizen       Yes $3,037.28
1631598 XXXX XXXX Non-QM N/A No XXXX No No $0.00 12/02/2024 8.695% Self-Employed Employed US Citizen   US Citizen   Yes $14,910.60
1633735 XXXX XXXX Non-QM N/A No XXXX No No $0.00 12/09/2024 7.71% Retired Retired US Citizen   US Citizen   Yes $4,843.18
1633737 XXXX XXXX Non-QM N/A No XXXX No No $0.00 12/11/2024 9.226% Self-Employed Employed US Citizen   US Citizen   Yes $11,710.12
1633762 XXXX XXXX Non-QM N/A No XXXX No No $0.00 01/08/2025 9.768% Self-Employed   US Citizen       Yes $267,413.63
1633777 XXXX XXXX Non-QM N/A No XXXX No No $0.00 12/26/2024 9.242% Retired   US Citizen       Yes $12,547.02
1633781 XXXX XXXX Non-QM N/A No XXXX No No $0.00 01/10/2025 9.512% Self-Employed   Non Permanent Resident Alien ITIN IRS Letter     Yes $4,217.69
1633803 XXXX XXXX Non-QM N/A No XXXX No No $0.00 01/07/2025 7.855% Self-Employed   US Citizen       Yes $10,749.63
1640083 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/31/2025 7.168% Self-Employed   US Citizen       Yes $27,165.68
1640084 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/24/2025 10.332% Self-Employed   US Citizen       Yes $6,903.24
1633660 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/14/2025 8.06% Retired   US Citizen       Yes $15,111.96
1633834 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 01/31/2025 7.931% Self-Employed Employed US Citizen   US Citizen   Yes $7,092.07
1633837 XXXX XXXX Non-QM N/A No XXXX No No $16,741.92 01/27/2025 8.745% Self-Employed Not Required US Citizen   US Citizen   Yes $9,216.53
1640085 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/27/2025 8.215% Self-Employed Self-Employed US Citizen   US Citizen   Yes $10,462.20
1640086 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/27/2025 7.869% Retired Retired US Citizen   US Citizen   Yes $7,843.95
1640087 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/07/2025 7.649% Self-Employed   US Citizen       Yes $6,608.70
1640088 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/05/2025 7.626% Self-Employed Employed US Citizen   US Citizen   Yes $69,464.69
1640089 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640090 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 02/28/2025 8.162% Retired   US Citizen       Yes $20,491.33
1640091 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/28/2025 7.284% Self-Employed Employed US Citizen   US Citizen   Yes $18,445.60
1640092 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/26/2025 7.551% Self-Employed Self-Employed US Citizen   US Citizen   Yes $8,171.28
1640093 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   Non Permanent Resident Alien       No  
1640094 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/25/2025 7.824% Self-Employed   US Citizen       Yes $70,800.97
1640095 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/07/2025 8.971% Self-Employed   US Citizen       Yes $11,043.92
1640096 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1640097 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/03/2025 7.657% Self-Employed   US Citizen       Yes $2,624.52
1640098 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/04/2025 7.563% Employed Unemployed US Citizen   US Citizen   Yes $27,988.20
1640099 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/05/2025 7.588% Unemployed Employed US Citizen   US Citizen   Yes $9,250.38
1640100 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640101 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640102 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640103 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/03/2025 8.057% Employed   US Citizen       Yes $2,132.35
1640104 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/28/2025 7.513% Self-Employed Self-Employed US Citizen   US Citizen   Yes $2,528.91
1640105 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/07/2025 7.558% Retired Retired US Citizen   US Citizen   Yes $83,773.17
1640106 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/06/2025 7.603% Retired Retired US Citizen   US Citizen   Yes $5,228.53
1640107 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 02/27/2025 7.428% Self-Employed Unemployed US Citizen   US Citizen   Yes $11,763.14
1640108 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/10/2025 7.663% Employed   US Citizen       Yes $6,000.19
1640109 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/10/2025 7.306% Self-Employed   US Citizen       Yes $10,870.96
1640110 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640111 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 02/26/2025 7.334% Employed Unemployed US Citizen   US Citizen   Yes $22,023.43
1640112 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 02/27/2025 7.428% Retired Retired US Citizen   US Citizen   Yes $7,467.03
1640113 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 04/04/2025 7.716% Retired Retired US Citizen   US Citizen   Yes $15,181.09
1640114 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/18/2025 7.296% Self-Employed   US Citizen       Yes $6,298.52
1640115 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/06/2025 7.401% Self-Employed   US Citizen       Yes $6,974.39
1640635 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/06/2025 7.664% Retired Retired US Citizen   US Citizen   Yes $4,278.20
1640116 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired   US Citizen       No  
1640117 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/27/2025 7.796% Self-Employed Self-Employed US Citizen   US Citizen   Yes $8,860.08
1640118 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640119 XXXX XXXX Non-QM N/A No XXXX No No $5,532.50 04/07/2025 7.57% Employed   US Citizen       Yes $9,202.53
1640120 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/03/2025 8.731% Self-Employed Employed US Citizen   US Citizen   Yes $38,951.89
1640121 XXXX XXXX Non-QM N/A No XXXX No No $0.00 02/13/2025 8.104% Self-Employed Retired US Citizen   US Citizen   Yes $1,645.65
1640122 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640123 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640124 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/01/2025 7.632% Employed Employed US Citizen   US Citizen   Yes $7,270.80
1640125 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/12/2025 7.722% Self-Employed   US Citizen       Yes $7,727.34
1640126 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/05/2025 7.629% Self-Employed   US Citizen       Yes $11,988.06
1640127 XXXX XXXX Non-QM N/A No XXXX No No $33,145.00 04/16/2025 8.599% Self-Employed   US Citizen       Yes $14,638.85
1640128 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640129 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1640543 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 7.676% Self-Employed Self-Employed US Citizen   US Citizen   Yes $4,164.15
1640131 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/10/2025 7.686% Employed   US Citizen       Yes $3,608.34
1640132 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640133 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/12/2025 7.705% Retired Retired US Citizen   US Citizen   Yes $3,452.44
1640134 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/13/2025 7.885% Retired Retired US Citizen   US Citizen   Yes $5,434.34
1640135 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/27/2025 8.275% Employed   US Citizen       Yes $2,245.43
1640136 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/14/2025 8.895% Self-Employed   US Citizen       Yes $5,490.42
1640137 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/17/2025 7.978% Employed Not Required US Citizen   US Citizen   Yes $3,993.04
1640138 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/21/2025 9.487% Retired   US Citizen       Yes $2,145.53
1640139 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   Permanent Resident Alien       No  
1640140 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/21/2025 7.497% Self-Employed   US Citizen       Yes $28,498.10
1640141 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640142 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/21/2025 9.17% Self-Employed   US Citizen       Yes $4,309.68
1640143 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 7.541% Self-Employed Self-Employed US Citizen   US Citizen   Yes $4,368.39
1640144 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Permanent Resident Alien       No  
1640145 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1640146 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/27/2025 7.94% Self-Employed   US Citizen       Yes $6,646.40
1640147 XXXX XXXX Non-QM N/A No XXXX No No $19,083.38 04/15/2025 7.685% Self-Employed   US Citizen       Yes $16,693.64
1640148 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1640149 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640150 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/27/2025 7.50% Self-Employed Self-Employed US Citizen   US Citizen   Yes $14,310.81
1640151 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/27/2025 8.029% Employed   US Citizen       Yes $13,126.58
1640152 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/24/2025 7.365% Employed Self-Employed US Citizen   US Citizen   Yes $4,333.80
1640153 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/31/2025 8.458% Self-Employed Employed US Citizen   US Citizen   Yes $6,527.58
1640154 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/26/2025 7.951% Self-Employed   US Citizen       Yes $33,031.48
1640155 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/31/2025 9.001% Employed   US Citizen       No  
1640156 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/25/2025 7.858% Employed   US Citizen       Yes $7,700.79
1640157 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640158 XXXX XXXX Non-QM N/A No XXXX No No $12,851.12 04/11/2025 7.866% Self-Employed   US Citizen       Yes $20,255.31
1640159 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/31/2025 7.088% Self-Employed   US Citizen       Yes $26,996.69
1640160 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $11,309.25 04/09/2025 7.675% Self-Employed Not Required US Citizen   US Citizen   Yes $10,964.84
1640161 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/31/2025 8.105% Retired Retired US Citizen   US Citizen   Yes $5,403.37
1640162 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/25/2025 8.333% Employed   US Citizen       Yes $5,116.13
1640163 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640164 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 6.929% Employed Unemployed US Citizen   US Citizen   Yes $13,228.12
1640165 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640166 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/02/2025 7.398% Retired Retired US Citizen   US Citizen   Yes $4,905.72
1640167 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 7.31% Employed   US Citizen       Yes $14,575.80
1640168 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1640169 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/25/2025 7.678% Self-Employed   US Citizen       Yes $13,594.89
1640170 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 7.886% Self-Employed   US Citizen       Yes $20,117.79
1640171 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/27/2025 7.766% Employed Employed US Citizen   US Citizen   Yes $26,671.11
1640172 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1640173 XXXX XXXX Non-QM N/A No XXXX No No $5,533.43 04/11/2025 7.378% Retired   US Citizen       Yes $4,563.63
1640174 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1640175 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       Yes $3,247.48
1640176 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/26/2025 9.018% Employed   US Citizen       No  
1640177 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/24/2025 7.753% Self-Employed   US Citizen       Yes $5,879.11
1640178 XXXX XXXX Non-QM N/A No XXXX No No $16,245.00 04/09/2025 9.363% Self-Employed Self-Employed US Citizen   US Citizen   Yes $11,539.51
1640179 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1640180 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/01/2025 7.264% Retired   US Citizen       Yes $2,930.38
1640181 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640182 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $7,595.68 04/09/2025 7.549% Employed   US Citizen       Yes $6,628.34
1640183 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/25/2025 7.459% Retired Self-Employed US Citizen   US Citizen   Yes $10,725.70
1640184 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $8,993.00 04/04/2025 7.603% Employed   US Citizen       Yes $20,960.43
1640185 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed Employed US Citizen   US Citizen   No  
1640186 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 8.07% Employed Employed US Citizen   US Citizen   Yes $41,801.42
1640187 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/31/2025 8.002% Employed Unemployed US Citizen   US Citizen   Yes $4,743.98
1640188 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/02/2025 8.043% Self-Employed Self-Employed US Citizen   US Citizen   Yes $3,325.15
1640189 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $12,152.87 03/26/2025 7.576% Employed Self-Employed US Citizen   US Citizen   Yes $9,992.12
1640190 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 8.381% Self-Employed   Foreign National       Yes $19,919.48
1640191 XXXX XXXX Non-QM N/A No XXXX No No $8,607.80 04/15/2025 7.999% Employed   US Citizen       Yes $3,757.88
1640192 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640193 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640194 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1640195 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1640196 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/31/2025 7.852% Employed   US Citizen       Yes $3,019.33
1640197 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640198 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 04/04/2025 7.831% Self-Employed   US Citizen       Yes $14,835.20
1640199 XXXX XXXX Non-QM N/A No XXXX No No $9,285.46 04/21/2025 7.513% Self-Employed   US Citizen       Yes $7,303.40
1640200 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 7.986% Self-Employed   US Citizen       Yes $17,183.33
1640201 XXXX XXXX Non-QM N/A No XXXX No No $14,322.87 04/15/2025 7.55% Self-Employed   US Citizen       Yes $5,026.00
1640202 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $9,246.78 04/14/2025 7.724% Retired Retired US Citizen   US Citizen   Yes $4,481.43
1640203 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $7,593.50 04/04/2025 7.546% Retired Retired US Citizen   US Citizen   Yes $6,846.42
1640204 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640205 XXXX XXXX Non-QM N/A No XXXX No No $5,665.00 04/14/2025 8.103% Self-Employed Self-Employed US Citizen   US Citizen   No  
1640206 XXXX XXXX Non-QM N/A No XXXX No No $6,995.00 04/09/2025 7.366% Self-Employed   US Citizen       Yes $4,804.53
1640207 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $21,129.66 04/08/2025 7.589% Self-Employed Employed US Citizen   US Citizen   Yes $16,893.35
1640208 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640209 XXXX XXXX Non-QM N/A No XXXX No No $5,532.50 04/12/2025 7.728% Retired Retired US Citizen   US Citizen   Yes $3,551.94
1640210 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/31/2025 8.22% Retired   US Citizen       Yes $4,089.83
1640211 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/17/2025 7.439% Retired Employed US Citizen   US Citizen   Yes $2,969.63
1640212 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $13,310.00 04/10/2025 7.798% Employed   US Citizen       Yes $4,850.74
1640213 XXXX XXXX Non-QM N/A No XXXX No No $8,464.92 04/17/2025 7.136% Retired Retired US Citizen   US Citizen   Yes $4,990.58
1640214 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640215 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1640216 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/02/2025 7.608% Retired   US Citizen       Yes $3,441.68
1640217 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/11/2025 8.576% Self-Employed   US Citizen       Yes $22,202.26
1640218 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   Non Permanent Resident Alien       No  
1640219 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $8,590.00 04/16/2025 7.646% Not Required Not Required US Citizen   US Citizen   Yes $9,935.29
1640220 XXXX XXXX Non-QM N/A No XXXX No No $9,741.88 04/08/2025 7.883% Self-Employed Employed US Citizen   US Citizen   Yes $6,308.03
1640221 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $16,666.66 04/04/2025 7.548% Not Required   US Citizen       No  
1640222 XXXX XXXX Non-QM N/A No XXXX No No $8,393.39 04/10/2025 8.144% Self-Employed   US Citizen       Yes $6,464.27
1640223 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640224 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/04/2025 7.114% Self-Employed   Permanent Resident Alien       Yes $21,784.81
1640225 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/06/2025 7.95% Retired Retired US Citizen   US Citizen   Yes $7,547.14
1640226 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       Yes -$3,866.26
1640227 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/31/2025 7.488% Self-Employed   Non Permanent Resident Alien       No  
1640228 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Permanent Resident Alien       No  
1640229 XXXX XXXX Non-QM N/A No XXXX No No $16,107.06 04/17/2025 9.207% Self-Employed   US Citizen       Yes $17,387.12
1640230 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $14,800.28 04/16/2025 0.00% Self-Employed   US Citizen       Yes $18,019.99
1640231 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/18/2025 8.469% Employed Self-Employed US Citizen   Permanent Resident Alien   Yes $5,766.38
1640232 XXXX XXXX Non-QM N/A No XXXX No No $5,595.00 04/08/2025 7.802% Self-Employed   US Citizen       Yes $4,221.63
1640233 XXXX XXXX Exempt N/A No XXXX Yes No     0.00% Employed   US Citizen       Yes $4,896.68
1640234 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $13,295.00 04/17/2025 7.955% Employed Self-Employed US Citizen   US Citizen   Yes $8,816.08
1640235 XXXX XXXX Non-QM N/A No XXXX No No $13,486.57 04/08/2025 7.25% Employed   US Citizen       Yes $4,457.12
1640236 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $14,515.00 04/11/2025 7.284% Self-Employed   US Citizen       Yes $12,829.80
1640237 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed Unemployed US Citizen   US Citizen   No  
1640238 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $13,497.85 04/09/2025 7.602% Employed Employed US Citizen   Permanent Resident Alien   Yes $16,161.05
1640239 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $10,604.00 04/09/2025 7.599% Self-Employed   US Citizen       Yes $4,253.57
1640240 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $7,212.97 04/17/2025 7.344% Employed Employed US Citizen   US Citizen   Yes $16,965.14
1640241 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/10/2025 7.69% Self-Employed   US Citizen       Yes $4,945.40
1640700 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/31/2025 7.508% Not Required Employed US Citizen   Permanent Resident Alien   Yes $3,089.62
1640242 XXXX XXXX Non-QM N/A No XXXX No No $21,794.75 04/17/2025 8.542% Self-Employed Self-Employed US Citizen   US Citizen   Yes $12,380.44
1640243 XXXX XXXX Non-QM N/A No XXXX No No $9,993.35 04/10/2025 7.607% Retired   US Citizen       Yes $3,883.93
1640244 XXXX XXXX Non-QM N/A No XXXX No No $5,419.00 04/14/2025 11.183% Employed   US Citizen       Yes $3,013.42
1640245 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $1,670.00 04/15/2025 8.215% Employed   US Citizen       Yes $8,414.02
1640246 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed Not Required US Citizen   US Citizen   No  
1640247 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   Non Permanent Resident Alien       No  
1640248 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 04/17/2025 8.774% Self-Employed   US Citizen       No  
1640249 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1640250 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/08/2025 8.215% Self-Employed   US Citizen       Yes $2,643.88
1640251 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   Non Permanent Resident Alien       No  
1640252 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/22/2025 7.494% Self-Employed   US Citizen       Yes $3,410.07
1640253 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640254 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1640255 XXXX XXXX Non-QM N/A No XXXX No No $14,402.00 04/08/2025 8.318% Retired   US Citizen       Yes $4,213.56
1640256 XXXX XXXX Non-QM N/A No XXXX No No $15,398.14 04/11/2025 7.80% Self-Employed   US Citizen       Yes $8,553.35
1640257 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $12,174.20 04/16/2025 7.761% Employed Employed US Citizen   US Citizen   Yes $11,945.21
1640258 XXXX XXXX Non-QM N/A No XXXX No No $6,349.05 04/16/2025 8.725% Self-Employed Employed US Citizen   US Citizen   Yes $8,237.97
1640259 XXXX XXXX Non-QM N/A No XXXX No No $11,745.00 04/16/2025 7.361% Self-Employed Self-Employed US Citizen   US Citizen   Yes $6,646.78
1640260 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $36,217.81 04/14/2025 7.753% Employed   US Citizen       Yes $15,601.91
1640261 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640262 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1640263 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No