QM ATR Data
Run Date - 07/11/2025 9:45:51 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 |
| 1635133 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1630018 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | Yes | $62,304.15 | ||||||
| 1625418 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1629292 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629873 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | No | |||||||
| 1629339 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 12/05/2024 | 8.123% | Self-Employed | US Citizen | Yes | $21,533.97 | ||||
| 1628227 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629870 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | Yes | $51,791.12 | ||||||
| 1629620 | XXXXXXXXX | XXXXXXX | Higher Priced QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 12/05/2024 | 8.459% | Employed | Employed | US Citizen | US Citizen | Yes | $20,018.44 | ||
| 1628031 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 10/25/2024 | 8.159% | Self-Employed | US Citizen | Yes | $50,414.73 | ||||
| 1636385 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1635051 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 03/07/2025 | 10.536% | Not Required | Not Required | US Citizen | US Citizen | Yes | $3,583.07 | ||
| 1636833 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628796 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6,496.05 | 11/25/2024 | 9.396% | Self-Employed | Foreign National | Yes | $4,407.91 | ||||
| 1629460 | XXXXXXXXX | XXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8,542.00 | 10/15/2024 | 8.67% | Self-Employed | US Citizen | Yes | $4,122.05 | ||||
| 1629357 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 10/18/2024 | 9.467% | Self-Employed | US Citizen | Yes | $5,251.19 | ||||
| 1628062 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Not Required | US Citizen | US Citizen | No | |||||
| 1630273 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 12/18/2024 | 8.031% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $30,077.56 | ||
| 1636519 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $0.00 | 03/28/2025 | 8.394% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $17,717.40 | |||
| 1629672 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1628881 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN Card | Yes | $3,184.08 | |||||
| 1637079 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628794 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | No | ||||||
| 1628821 | XXXXXXXXX | XXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 10/25/2024 | 7.412% | Employed | Non Permanent Resident Alien | Other | Yes | $5,265.05 | |||
| 1629037 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/26/2024 | 9.088% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $10,016.90 | |||
| 1629276 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1629229 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1629858 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 12/12/2024 | 8.834% | Self-Employed | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $18,742.91 |
| 1633160 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1633206 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1629413 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| 1627937 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | No | |||||||
| 1635125 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628792 | XXXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629330 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 10/07/2024 | 7.874% | Self-Employed | US Citizen | Yes | $3,629.07 | ||||
| 1629332 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1629506 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $9,374.00 | 11/27/2024 | 8.725% | Self-Employed | US Citizen | Yes | $2,547.97 | ||||
| 1629159 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1629333 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1633867 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1635053 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1629505 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1629394 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1630523 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/14/2024 | 8.347% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $7,199.22 | ||
| 1629508 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1628876 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| 1630334 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 12/06/2024 | 0.00% | Not Required | Foreign National | No | ||||||
| 1629431 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1630060 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1630318 | XXXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 11/26/2024 | 8.214% | Self-Employed | US Citizen | Yes | $7,438.18 | ||||
| 1634988 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1633865 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1633866 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1633869 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1634522 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1636798 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 03/03/2025 | 0.00% | Not Required | Foreign National | No | ||||||
| 1636945 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1636946 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $2,189.00 | 03/06/2025 | 8.444% | Self-Employed | US Citizen | Yes | $36,475.99 | ||||
| 1637237 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1634433 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1634429 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1634430 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1637396 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1627778 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | Yes | $16,539.71 | ||||||
| 1630202 | XXXXXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/19/2024 | 7.876% | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | Yes | $3,392.68 | ||
| 1628508 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 10/30/2024 | 8.198% | Self-Employed | Permanent Resident Alien | Yes | $7,619.77 | ||||
| 1629228 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 12/07/2024 | 7.283% | Self-Employed | US Citizen | Yes | $10,795.08 | ||||
| 1634910 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 03/03/2025 | 8.259% | Self-Employed | US Citizen | Yes | $4,178.45 | ||||
| 1628246 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/14/2024 | 8.99% | Self-Employed | US Citizen | Yes | $17,324.64 | ||||
| 1628602 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1635134 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1635019 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Not Required | US Citizen | US Citizen | Yes | $478,651.26 | ||||
| 1631046 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1628395 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629589 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1625986 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | Other | No | ||||||
| 1628816 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1631053 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 12/13/2024 | 8.109% | Not Required | US Citizen | No | |||||
| 1633458 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1629864 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629424 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1636775 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | US Citizen | Yes | $5,003.78 | ||||||
| 1636794 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | US Citizen | Yes | $5,429.78 | ||||||
| 1636774 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | US Citizen | No | |||||||
| 1637080 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629613 | XXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | Yes | $9,849.29 | ||||||
| 1629862 | XXXXXXXXX | XXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 11/21/2024 | 7.301% | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | Yes | $8,251.16 | ||
| 1629393 | XXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1629525 | XXXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $9,452.50 | 11/20/2024 | 8.205% | Self-Employed | US Citizen | Yes | $8,095.77 | ||||
| 1634279 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN Card | Yes | $14,854.29 | |||||
| 1629467 | XXXXXXXXX | XXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/19/2024 | 9.477% | Self-Employed | US Citizen | Yes | $9,386.95 |