EFMT 2025-NQM3 ABS 15G

 

Exhibit 99.30

 

 

QM ATR Data

Run Date - 07/14/2025 11:18:05 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
1425384 XXXX XXXX Non-QM N/A No XXXX No No $36,995.00 06/02/2022 8.614% Employed   US Citizen       Yes $19,826.46
1445962 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643392 XXXX XXXX Non-QM N/A No XXXX No No $5,195.00 04/24/2025 7.354% Self-Employed Unemployed US Citizen   US Citizen   Yes $10,176.43
1643393 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired Retired US Citizen   US Citizen   No  
1432760 XXXX XXXX Non-QM N/A No XXXX No No $6,644.28 08/08/2022 8.99% Self-Employed Unemployed US Citizen   US Citizen   Yes $2,485.30
1643394 XXXX XXXX Non-QM N/A No XXXX No No $11,344.78 03/10/2025 9.003% Self-Employed   Non Permanent Resident Alien ITIN IRS Letter     Yes $4,260.91
1642002 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $6,485.54 03/14/2025 7.448% Retired   US Citizen       No  
1640130 XXXX XXXX Non-QM N/A No XXXX No No $46,295.00 04/11/2025 7.847% Employed   US Citizen       Yes $23,203.97
1643395 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX Yes No $0.00 04/25/2025 7.758% Employed   US Citizen       Yes $5,970.28
1641028 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/17/2025 7.81% Self-Employed   US Citizen       Yes $9,403.25
1643582 XXXX XXXX Non-QM N/A No XXXX No No $10,146.86 04/04/2025 8.326% Self-Employed   US Citizen       Yes $6,514.28
1643396 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/19/2025 9.518% Self-Employed   Non Permanent Resident Alien ITIN IRS Letter     Yes $4,685.92
1643583 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/07/2025 8.084% Employed   US Citizen       Yes $3,256.50
1643584 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/03/2025 8.133% Retired Retired US Citizen   US Citizen   No  
1643397 XXXX XXXX Non-QM N/A No XXXX No No $0.00 03/28/2025 9.496% Self-Employed   Non Permanent Resident Alien ITIN IRS Letter     Yes $4,681.61
1643398 XXXX XXXX Non-QM N/A No XXXX No No $0.00 06/03/2025 7.617% Retired Retired US Citizen   US Citizen   Yes $8,166.98
1643399 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired Retired US Citizen   US Citizen   Yes $12,365.61
1643400 XXXX XXXX Non-QM N/A No XXXX No No $11,425.16 05/08/2025 7.564% Retired Employed US Citizen   US Citizen   Yes $4,175.40
1643401 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643402 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired   US Citizen       Yes $73,099.68
1643403 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired   US Citizen       No  
1643404 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired   US Citizen       Yes $73,069.62
1643405 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired   US Citizen       Yes $73,069.62
1643406 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired   US Citizen       Yes $73,069.62
1643407 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 04/02/2025 7.933% Self-Employed   US Citizen       Yes $24,519.84
1643408 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 03/28/2025 7.827% Employed Unemployed US Citizen   US Citizen   Yes $14,117.30
1643409 XXXX XXXX Non-QM N/A No XXXX No No $6,930.18 05/05/2025 9.627% Employed Retired US Citizen   US Citizen   Yes $2,281.76
1643410 XXXX XXXX Non-QM N/A No XXXX No No $7,590.38 04/24/2025 9.471% Self-Employed   US Citizen       Yes $9,792.81
1643411 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 04/02/2025 8.694% Employed Employed US Citizen   US Citizen   Yes $30,792.81
1643412 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/13/2025 7.867% Employed   US Citizen       Yes $4,049.92
1643413 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/24/2025 7.911% Self-Employed   US Citizen       Yes $7,896.57
1643414 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643415 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/30/2025 7.902% Not Required Self-Employed US Citizen   US Citizen   Yes $14,116.81
1643416 XXXX XXXX Non-QM N/A No XXXX No No   04/24/2025 8.686% Self-Employed   Permanent Resident Alien       Yes $3,797.17
1643417 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/29/2025 8.517% Self-Employed Not Required US Citizen   US Citizen   Yes $36,806.48
1643418 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed Retired US Citizen   US Citizen   No  
1643419 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $10,101.98 04/28/2025 7.792% Retired   US Citizen       Yes $4,273.42
1643420 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $8,835.79 04/28/2025 8.034% Retired   US Citizen       Yes $4,503.75
1643421 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/01/2025 7.779% Self-Employed   US Citizen       Yes $8,566.87
1643422 XXXX XXXX Non-QM N/A No XXXX No No $8,095.00 04/24/2025 7.665% Retired   US Citizen       Yes $7,581.93
1643423 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/25/2025 7.867% Self-Employed Employed US Citizen   US Citizen   Yes $5,406.70
1643424 XXXX XXXX Non-QM N/A No XXXX No No $20,075.50 04/29/2025 7.823% Employed Unemployed US Citizen   US Citizen   Yes $9,093.94
1643425 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 05/01/2025 9.113% Employed   US Citizen       Yes $56,239.86
1643426 XXXX XXXX Non-QM N/A No XXXX No No $25,300.41 05/01/2025 7.191% Self-Employed   US Citizen       Yes $10,085.35
1643427 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/23/2025 7.882% Self-Employed   US Citizen       Yes $22,288.52
1643428 XXXX XXXX Non-QM N/A No XXXX No No $23,945.00 04/29/2025 9.243% Self-Employed Not Required US Citizen   US Citizen   Yes $10,582.18
1643429 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired Employed US Citizen   US Citizen   No  
1643430 XXXX XXXX Non-QM N/A No XXXX No No $16,250.84 05/02/2025 7.868% Self-Employed Self-Employed US Citizen   US Citizen   Yes $8,510.97
1643431 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $6,095.00 05/01/2025 8.298% Retired Employed US Citizen   US Citizen   Yes $11,275.80
1643432 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/24/2025 7.737% Employed Employed US Citizen   US Citizen   No  
1643433 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   Non Permanent Resident Alien Other     No  
1643434 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 05/13/2025 7.35% Retired   US Citizen       Yes $2,510.72
1643435 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/22/2025 8.487% Employed Employed US Citizen   US Citizen   Yes $9,371.61
1643436 XXXX XXXX Non-QM N/A No XXXX No No $11,957.50 05/14/2025 7.603% Self-Employed   US Citizen       Yes $12,582.53
1643437 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $7,115.00 04/25/2025 7.934% Retired   US Citizen       Yes $27,615.85
1643438 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $2,777.43 04/30/2025 7.424% Self-Employed   Permanent Resident Alien       Yes $11,736.08
1643439 XXXX XXXX Non-QM N/A No XXXX No No $11,052.80 04/29/2025 8.238% Retired   US Citizen       Yes $4,503.29
1643440 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643441 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $11,098.80 04/21/2025 7.843% Retired Retired US Citizen   US Citizen   Yes $4,259.85
1643442 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $6,844.00 05/02/2025 7.506% Retired   US Citizen       Yes $2,896.85
1643443 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $9,246.78 05/06/2025 7.597% Employed   US Citizen       Yes $6,712.06
1643444 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired   US Citizen       No  
1643445 XXXX XXXX Non-QM N/A No XXXX No No $4,695.00 05/05/2025 7.41% Retired   US Citizen       Yes $4,620.79
1643446 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/29/2025 7.774% Self-Employed   US Citizen       Yes $28,702.11
1643447 XXXX XXXX Non-QM N/A No XXXX No No $12,893.00 04/21/2025 8.029% Employed   US Citizen       Yes $5,818.60
1643448 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $12,763.00 05/05/2025 7.573% Not Required   US Citizen       Yes $31,784.13
1643449 XXXX XXXX Non-QM N/A No XXXX No No $6,987.90 05/06/2025 8.063% Self-Employed   US Citizen       Yes $4,393.25
1643450 XXXX XXXX Higher Priced QM (APOR) Not Provided No XXXX No No $0.00 04/30/2025 8.875% Employed   Foreign National       Yes $6,512.41
1643451 XXXX XXXX Non-QM N/A No XXXX No No $25,603.19 06/06/2025 7.844% Employed   US Citizen       Yes $26,861.27
1643452 XXXX XXXX Non-QM N/A No XXXX No No $15,983.27 04/30/2025 7.903% Self-Employed Self-Employed US Citizen   US Citizen   Yes $9,717.32
1643453 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643454 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643455 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643456 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/26/2025 7.551% Retired   US Citizen       Yes $2,731.67
1643457 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $7,771.68 05/16/2025 7.82% Retired Retired US Citizen   US Citizen   Yes $16,596.31
1643458 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $10,327.03 04/28/2025 7.711% Employed   US Citizen       Yes $5,112.76
1643459 XXXX XXXX Non-QM N/A No XXXX No No $7,783.90 04/30/2025 7.651% Employed   US Citizen       Yes $3,623.26
1643460 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $10,132.50 04/29/2025 7.269% Employed Self-Employed US Citizen   US Citizen   Yes $8,594.60
1643461 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   Permanent Resident Alien       No  
1643462 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 04/24/2025 7.212% Employed Employed US Citizen   US Citizen   Yes $22,396.61
1643463 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $8,330.00 04/28/2025 8.323% Employed Self-Employed US Citizen   US Citizen   Yes $4,347.68
1643464 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/25/2025 7.904% Employed   US Citizen       Yes $6,264.68
1643465 XXXX XXXX Non-QM N/A No XXXX No No $15,503.44 04/25/2025 7.749% Self-Employed   US Citizen       Yes $9,099.89
1643466 XXXX XXXX Non-QM N/A No XXXX No No $8,276.26 05/14/2025 7.784% Retired   US Citizen       Yes $11,347.40
1643467 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643468 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 05/12/2025 7.721% Self-Employed   US Citizen       Yes $24,312.02
1643469 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643470 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643471 XXXX XXXX Non-QM N/A No XXXX No No $10,670.00 05/14/2025 8.091% Self-Employed   US Citizen       Yes $60,802.96
1643472 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $8,735.79 05/16/2025 8.191% Employed Retired US Citizen   US Citizen   Yes $5,642.83
1643473 XXXX XXXX Non-QM N/A No XXXX No No $6,896.80 05/16/2025 8.084% Retired   US Citizen       Yes $3,140.61
1643474 XXXX XXXX Non-QM N/A No XXXX No No $13,324.58 04/30/2025 7.45% Employed   US Citizen       Yes $6,678.02
1643475 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 04/25/2025 7.688% Employed Employed US Citizen   US Citizen   Yes $14,406.60
1643476 XXXX XXXX Non-QM N/A No XXXX No No $9,145.00 04/25/2025 7.879% Self-Employed Self-Employed US Citizen   US Citizen   Yes $15,269.16
1643477 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643478 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643479 XXXX XXXX Non-QM N/A No XXXX No No $18,345.00 05/13/2025 7.698% Employed Not Required US Citizen   US Citizen   No  
1643480 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643481 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $11,596.10 04/28/2025 8.264% Not Required   US Citizen       No  
1643482 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 05/07/2025 7.22% Employed   US Citizen       Yes $14,563.13
1643483 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 05/02/2025 7.697% Retired Retired US Citizen   US Citizen   Yes $5,883.94
1643484 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/07/2025 7.965% Self-Employed Self-Employed US Citizen   Permanent Resident Alien   Yes $4,083.46
1643485 XXXX XXXX Non-QM N/A No XXXX No No $20,716.26 06/02/2025 7.843% Self-Employed Employed US Citizen   US Citizen   No  
1643486 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $8,270.73 05/15/2025 8.238% Retired Retired US Citizen   US Citizen   Yes $5,944.59
1643487 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/16/2025 8.048% Self-Employed   US Citizen       Yes $6,774.88
1643488 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643489 XXXX XXXX Non-QM N/A No XXXX No No $14,165.00 04/29/2025 8.017% Self-Employed Employed US Citizen   US Citizen   Yes $12,033.80
1643490 XXXX XXXX Non-QM N/A No XXXX No No $9,575.84 04/30/2025 8.186% Self-Employed   US Citizen       Yes $17,228.37
1643699 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1643491 XXXX XXXX Non-QM N/A No XXXX No No $6,435.00 05/05/2025 8.49% Employed Employed US Citizen   US Citizen   Yes $7,332.75
1643492 XXXX XXXX Non-QM N/A No XXXX No No $0.00 04/24/2025 7.259% Self-Employed   US Citizen       Yes $3,679.77
1668586 XXXX XXXX Non-QM N/A No XXXX No No $12,136.61 06/23/2025 7.952% Self-Employed Self-Employed US Citizen   US Citizen   Yes $5,178.70
1643493 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $6,595.55 05/13/2025 8.24% Retired Retired US Citizen   US Citizen   Yes $3,041.16
1643494 XXXX XXXX Non-QM N/A No XXXX No No $6,215.48 04/29/2025 7.82% Self-Employed Self-Employed US Citizen   US Citizen   Yes $27,203.78
1643585 XXXX XXXX Higher Priced QM (APOR) Not Provided No XXXX No No $0.00 05/02/2025 8.524% Employed   US Citizen       Yes $5,437.62
1643495 XXXX XXXX Non-QM N/A No XXXX No No $9,297.96 05/14/2025 8.265% Self-Employed   US Citizen       Yes $3,782.03
1643496 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/13/2025 7.929% Employed   US Citizen       Yes $5,632.13
1643497 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 05/14/2025 8.08% Employed Not Required US Citizen   US Citizen   Yes $10,030.07
1643498 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/23/2025 8.131% Retired Retired US Citizen   US Citizen   Yes $7,600.53
1643499 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/13/2025 7.649% Self-Employed Self-Employed US Citizen   US Citizen   Yes $13,792.15
1643500 XXXX XXXX Non-QM N/A No XXXX No No $16,519.08 05/09/2025 7.911% Self-Employed Employed US Citizen   US Citizen   Yes $3,259.65
1643501 XXXX XXXX Non-QM N/A No XXXX No No $14,341.78 05/19/2025 7.666% Self-Employed   US Citizen       Yes $7,632.87
1643502 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $7,895.69 05/16/2025 7.764% Retired Retired US Citizen   US Citizen   No  
1643503 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/19/2025 7.80% Employed   US Citizen       Yes $4,026.37
1643504 XXXX XXXX Non-QM N/A No XXXX No No $10,588.40 05/01/2025 8.288% Self-Employed   US Citizen       Yes $7,538.62
1643505 XXXX XXXX Non-QM N/A No XXXX No No $21,662.10 05/13/2025 7.646% Self-Employed Employed US Citizen   US Citizen   Yes $13,157.06
1643506 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643507 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643508 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643509 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $12,016.50 05/05/2025 8.264% Employed Employed US Citizen   US Citizen   Yes $7,544.78
1643510 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $9,534.62 05/22/2025 7.869% Not Required Self-Employed US Citizen   US Citizen   Yes $11,150.23
1643511 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/22/2025 8.828% Employed   US Citizen       Yes $9,452.21
1643512 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643513 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/06/2025 7.856% Self-Employed   US Citizen       Yes $10,735.28
1643514 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1643515 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/13/2025 7.45% Self-Employed Not Required US Citizen   US Citizen   Yes $26,481.26
1643516 XXXX XXXX Non-QM N/A No XXXX No No $21,530.00 05/14/2025 7.791% Self-Employed   US Citizen       Yes $5,758.30
1643517 XXXX XXXX Non-QM N/A No XXXX No No $22,087.18 05/12/2025 7.703% Self-Employed   US Citizen       Yes $33,251.47
1643518 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643519 XXXX XXXX Non-QM N/A No XXXX No No $10,035.77 05/20/2025 7.728% Self-Employed   US Citizen       Yes $4,756.26
1643520 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $10,158.24 05/20/2025 7.624% Retired Retired US Citizen   US Citizen   Yes $5,453.24
1643521 XXXX XXXX Non-QM N/A No XXXX No No $9,905.00 05/23/2025 7.945% Self-Employed   US Citizen       Yes $3,200.69
1643522 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired Retired US Citizen   US Citizen   Yes $11,879.14
1643523 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $15,795.00 05/16/2025 7.542% Retired Employed US Citizen   US Citizen   Yes $11,737.36
1643524 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643525 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643526 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $9,790.85 05/19/2025 7.749% Retired Retired US Citizen   US Citizen   Yes $7,617.39
1643527 XXXX XXXX Non-QM N/A No XXXX No No $6,095.00 06/09/2025 7.616% Retired   US Citizen       Yes $2,530.05
1643528 XXXX XXXX Non-QM N/A No XXXX No No $24,950.04 05/16/2025 7.636% Self-Employed Not Required US Citizen   US Citizen   Yes $15,600.10
1643529 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643530 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643531 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $21,755.19 05/23/2025 7.668% Employed   US Citizen       Yes $9,965.38
1643532 XXXX XXXX Exempt N/A No XXXX No No     0.00% Retired Retired US Citizen   US Citizen   No  
1643533 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643534 XXXX XXXX Non-QM N/A No XXXX No No $14,127.69 05/19/2025 8.213% Self-Employed Employed US Citizen   US Citizen   Yes $23,018.19
1643535 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643536 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       Yes $8,907.32
1643701 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 06/16/2025 7.825% Employed Employed US Citizen   US Citizen   Yes $9,142.23
1643537 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $6,655.00 05/22/2025 7.542% Employed Employed US Citizen   US Citizen   Yes $8,251.33
1643538 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 05/23/2025 7.669% Retired   US Citizen       Yes $3,939.66
1643539 XXXX XXXX Non-QM N/A No XXXX No No $11,868.24 05/14/2025 9.539% Self-Employed   US Citizen       Yes $10,012.07
1643540 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $11,517.89
1643541 XXXX XXXX Non-QM N/A No XXXX No No $6,083.27 05/16/2025 7.812% Employed   US Citizen       Yes $2,995.62
1643542 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643543 XXXX XXXX Non-QM N/A No XXXX No No $10,372.04 05/16/2025 8.283% Self-Employed   US Citizen       Yes $10,877.37
1643544 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $11,499.00 05/30/2025 7.895% Employed   US Citizen       Yes $8,943.78
1643545 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1643546 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643547 XXXX XXXX Non-QM N/A No XXXX No No $17,876.39 05/23/2025 8.033% Employed Self-Employed US Citizen   US Citizen   Yes $186,220.78
1643548 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643549 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $15,432.50 05/29/2025 8.169% Employed   US Citizen       Yes $6,325.27
1643550 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643551 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643702 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 06/11/2025 7.527% Employed   US Citizen       Yes $7,623.79
1643552 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/29/2025 7.994% Employed   US Citizen       Yes $3,842.72
1668589 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643703 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1643553 XXXX XXXX Non-QM N/A No XXXX No No $30,911.52 05/27/2025 7.893% Self-Employed   US Citizen       Yes $16,423.04
1643554 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed Self-Employed US Citizen   Permanent Resident Alien   Yes $22,777.22
1643555 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed Not Required US Citizen   US Citizen   No  
1643556 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643557 XXXX XXXX Non-QM N/A No XXXX No No $0.00 06/13/2025 8.08% Self-Employed   US Citizen       Yes $8,331.08
1643558 XXXX XXXX Non-QM N/A No XXXX No No $33,570.00 05/19/2025 7.326% Self-Employed   US Citizen       Yes $119,033.62
1643704 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $6,437.35 06/16/2025 7.63% Employed   US Citizen       Yes $4,433.27
1643559 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1643560 XXXX XXXX Non-QM N/A No XXXX No No $21,132.50 06/01/2025 7.612% Employed Self-Employed US Citizen   US Citizen   Yes $13,149.50
1668599 XXXX XXXX Non-QM N/A No XXXX No No $14,997.63 06/16/2025 8.824% Self-Employed Self-Employed US Citizen   US Citizen   Yes $10,974.77
1643561 XXXX XXXX Non-QM N/A No XXXX No No $12,511.08 06/02/2025 8.289% Self-Employed Self-Employed US Citizen   US Citizen   Yes $22,518.72
1643562 XXXX XXXX Non-QM N/A No XXXX No No $0.00 05/29/2025 7.374% Retired   US Citizen       Yes $10,561.14
1668604 XXXX XXXX Non-QM N/A No XXXX No No $6,746.82 06/23/2025 7.702% Employed Retired US Citizen   US Citizen   Yes $5,779.83
1643563 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643564 XXXX XXXX Non-QM N/A No XXXX No No $0.00 06/12/2025 7.642% Employed   US Citizen       Yes $7,097.00
1668608 XXXX XXXX Non-QM N/A No XXXX No No $64,430.00 06/17/2025 7.307% Self-Employed   US Citizen       Yes $35,483.64
1643565 XXXX XXXX Non-QM N/A No XXXX No No $16,156.56 06/09/2025 7.889% Self-Employed   US Citizen       Yes $13,761.86
1643705 XXXX XXXX Non-QM N/A No XXXX No No $0.00 06/16/2025 8.103% Retired Retired US Citizen   US Citizen   Yes $3,512.95
1643566 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643567 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643568 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $16,650.78 06/13/2025 8.115% Employed Self-Employed US Citizen   US Citizen   Yes $11,185.30
1643706 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643707 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $8,424.98 06/17/2025 7.672% Self-Employed Employed US Citizen   US Citizen   Yes $13,678.15
1643569 XXXX XXXX Non-QM N/A No XXXX No No $8,195.00 05/30/2025 8.529% Self-Employed Self-Employed US Citizen   US Citizen   Yes $6,852.12
1643708 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643570 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $10,278.26 06/10/2025 7.715% Employed   US Citizen       Yes $6,621.89
1643709 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1643571 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1668614 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1668615 XXXX XXXX Non-QM N/A No XXXX No No $8,525.00 06/23/2025 8.164% Retired   US Citizen       Yes $3,478.46
1643710 XXXX XXXX Non-QM N/A No XXXX No No $9,911.75 06/17/2025 8.141% Self-Employed Self-Employed US Citizen   US Citizen   Yes $25,023.01
1643572 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $19,202.92 06/12/2025 7.647% Employed Employed Permanent Resident Alien   Permanent Resident Alien   Yes $8,609.97
1643711 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643573 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $13,734.33 06/13/2025 7.305% Employed Employed US Citizen   US Citizen   Yes $4,589.40
1668616 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1668618 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $16,239.34 06/18/2025 7.995% Retired   US Citizen       Yes $7,849.91
1643713 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643574 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $12,548.05 06/03/2025 7.594% Not Required Not Required Permanent Resident Alien   US Citizen   Yes $13,355.14
1668619 XXXX XXXX Non-QM N/A No XXXX No No $16,450.26 06/12/2025 8.318% Self-Employed   US Citizen       Yes $7,356.37
1668620 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643575 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       No  
1643576 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1643714 XXXX XXXX Non-QM N/A No XXXX No No $8,649.53 06/13/2025 7.771% Self-Employed   US Citizen       Yes $5,646.93
1643715 XXXX XXXX Non-QM N/A No XXXX No No $0.00 06/13/2025 7.948% Retired   US Citizen       Yes $3,161.16
1668623 XXXX XXXX Non-QM N/A No XXXX No No $6,180.20 06/20/2025 8.427% Retired   US Citizen       Yes $2,242.01
1643716 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643577 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643578 XXXX XXXX Exempt N/A No XXXX No No     0.00% Employed   US Citizen       No  
1643579 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1643580 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Permanent Resident Alien   Permanent Resident Alien   No  
1643718 XXXX XXXX Non-QM N/A No XXXX No No $19,770.33 06/11/2025 8.813% Self-Employed   US Citizen       Yes $6,503.68
1668626 XXXX XXXX Non-QM N/A No XXXX No No $12,723.43 06/25/2025 7.856% Employed Employed US Citizen   US Citizen   Yes $7,582.10
1643719 XXXX XXXX Non-QM N/A No XXXX No No $0.00 06/16/2025 8.361% Retired   US Citizen       Yes $17,340.69
1668627 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $14,403.85 06/17/2025 8.116% Not Required Not Required US Citizen   US Citizen   Yes $23,393.37
1668629 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1643720 XXXX XXXX Non-QM N/A No XXXX No No $0.00 06/17/2025 8.462% Employed Employed US Citizen   US Citizen   Yes $10,965.06
1643581 XXXX XXXX Non-QM N/A No XXXX No No $5,735.00 06/13/2025 8.086% Self-Employed   US Citizen       Yes $2,145.95
1643721 XXXX XXXX Safe Harbor QM (APOR) Not Provided No XXXX No No $0.00 06/12/2025 7.926% Retired Retired US Citizen   US Citizen   Yes $4,744.97
1668637 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1668638 XXXX XXXX Non-QM N/A No XXXX No No $5,095.00 06/17/2025 7.909% Retired   US Citizen       No  
1643723 XXXX XXXX Non-QM N/A No XXXX No No $19,150.00 06/18/2025 7.453% Self-Employed Self-Employed US Citizen   US Citizen   Yes $14,011.33
1668642 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1668643 XXXX XXXX Non-QM N/A No XXXX No No $14,047.82 06/20/2025 7.68% Self-Employed   US Citizen       Yes $12,499.97