Exhibit 99.3 Schedule 3
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| QM ATR Data | |||||||||||||||||||
| Run Date - 06/11/2025 9:33:30 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 |
| 1623814 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1627519 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 07/11/2024 | 0.00% | Self-Employed | US Citizen | Yes | $8,030.06 | |||||
| 1634505 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633142 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 11/04/2024 | 0.00% | Self-Employed | US Citizen | Yes | $18,781.35 | |||||
| 1633143 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/17/2025 | 0.00% | Self-Employed | US Citizen | Yes | $8,155.80 | |||||
| 1634172 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1633395 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | Non Permanent Resident Alien | E-1 Visa | Non Permanent Resident Alien | Other | No | |||
| 1633565 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634278 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1635137 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633566 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/30/2025 | 0.00% | Self-Employed | US Citizen | Yes | $13,692.20 | |||||
| 1633195 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1633003 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| 1633109 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/27/2025 | 0.00% | Self-Employed | US Citizen | Yes | $3,903.92 | |||||
| 1633004 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634188 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/27/2025 | 0.00% | Not Required | US Citizen | Yes | $5,684.03 | |||||
| 1633396 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/27/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $45,561.19 | |||
| 1633085 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/15/2025 | 0.00% | Employed | Employed | US Citizen | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $6,662.38 | ||
| 1633101 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633110 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/04/2025 | 0.00% | Self-Employed | US Citizen | Yes | $5,529.45 | |||||
| 1634151 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Self-Employed | US Citizen | No | |||||||
| 1634190 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/27/2025 | 0.00% | Self-Employed | US Citizen | Yes | $62,229.72 | |||||
| 1633253 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/11/2025 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $12,590.61 | ||||
| 1633568 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/17/2025 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1633935 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634043 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/16/2025 | 0.00% | Self-Employed | Not Required | US Citizen | US Citizen | Yes | $17,557.52 | |||
| 1633937 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| 1633404 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/07/2025 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $43,051.42 | ||||
| 1633108 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Self-Employed | Non Permanent Resident Alien | Other | Yes | $12,300.30 | |||||
| 1633520 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/17/2025 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1633100 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| 1633397 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/07/2025 | 0.00% | Self-Employed | US Citizen | Yes | $11,436.54 | |||||
| 1633005 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634059 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/28/2025 | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1633112 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/22/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | No | ||||
| 1633521 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/22/2025 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1633960 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633139 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633513 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633197 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | Permanent Resident Alien | Non Permanent Resident Alien | Other | No | ||||
| 1633399 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/04/2025 | 0.00% | Self-Employed | US Citizen | Yes | $58,567.75 | |||||
| 1633113 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/24/2025 | 0.00% | Self-Employed | US Citizen | Yes | $89,849.75 | |||||
| 1634146 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/31/2025 | 0.00% | Self-Employed | US Citizen | Yes | $8,101.49 | |||||
| 1634065 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633103 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634192 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/27/2025 | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1633961 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/03/2025 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1633569 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/03/2025 | 0.00% | Self-Employed | Permanent Resident Alien | No | ||||||
| 1633570 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/27/2025 | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1633962 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633114 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/06/2025 | 0.00% | Self-Employed | Permanent Resident Alien | Yes | $3,964.43 | |||||
| 1634193 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/06/2025 | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1633255 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634060 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/06/2025 | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1633571 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/27/2025 | 0.00% | Self-Employed | Self-Employed | Non Permanent Resident Alien | Other | Non Permanent Resident Alien | Other | No | ||
| 1633104 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633947 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/04/2025 | 0.00% | Self-Employed | US Citizen | Yes | $4,706.47 | |||||
| 1633400 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/13/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $34,257.52 | |||
| 1634154 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633948 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633001 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Non Permanent Resident Alien | Other | No | ||||||
| 1634068 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/10/2025 | 0.00% | Employed | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1633405 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/14/2025 | 0.00% | Employed | Self-Employed | Non Permanent Resident Alien | ITIN Card | US Citizen | Yes | $2,385.30 | ||
| 1633514 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 01/30/2025 | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1633512 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633105 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633573 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Self-Employed | US Citizen | No | |||||||
| 1633954 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/05/2025 | 0.00% | Self-Employed | US Citizen | Yes | $3,653.35 | |||||
| 1633574 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Employed | US Citizen | No | |||||||
| 1634047 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | Yes | $8,360.93 | ||||||
| 1633401 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/14/2025 | 0.00% | Self-Employed | US Citizen | Yes | $5,974.22 | |||||
| 1633515 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/11/2025 | 0.00% | Self-Employed | US Citizen | Yes | $91,829.69 | |||||
| 1633575 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Self-Employed | US Citizen | No | |||||||
| 1634048 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Self-Employed | Unemployed | US Citizen | US Citizen | No | |||||
| 1634049 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634050 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633334 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/11/2025 | 0.00% | Self-Employed | US Citizen | Yes | $6,007.18 | |||||
| 1633107 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Self-Employed | US Citizen | Yes | $45,027.39 | ||||||
| 1633335 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/11/2025 | 0.00% | Self-Employed | US Citizen | Yes | $10,107.79 | |||||
| 1634157 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633332 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633577 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/20/2025 | 0.00% | Self-Employed | Foreign National | No | ||||||
| 1635011 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1634501 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634673 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1636449 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1633402 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 02/11/2025 | 0.00% | Self-Employed | US Citizen | Yes | $5,929.28 | |||||
| 1634166 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1634056 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| 1615267 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | 02/08/2024 | 0.00% | Retired | Retired | US Citizen | US Citizen | Yes | $6,267.64 | ||||
| 1615876 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | 0.00% | Not Required | US Citizen | No | ||||||||
| 1616214 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | ITIN IRS Letter | No | ||||||