MFA 2025-NQM3 Trust ABS-15G

Exhibit 99.36

 

 

QM ATR Data
Run Date - 07/21/2025 2:02:09 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
1630054 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1636979 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1630853 XXXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1630708 XXXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1630499 XXXXX XXXXX Non-QM N/A No XXXX No No $0.00 12/18/2024 9.143% Self-Employed   US Citizen       Yes $85,259.51
1632203 XXXXX XXXXX Non-QM N/A No XXXX No No $12,294.20 01/21/2025 10.06% Self-Employed   US Citizen       Yes $10,539.98
1630704 XXXXX XXXXX Non-QM N/A No XXXX No No $0.00 12/24/2024 8.156% Self-Employed   US Citizen       Yes $4,618.50
1631926 XXXXX XXXXX Non-QM N/A No XXXX No No $0.00 01/21/2025 7.679% Self-Employed   US Citizen       Yes $8,298.19
1632162 XXXXX XXXXX Non-QM N/A No XXXX No No $0.00 01/17/2025 8.035% Self-Employed   US Citizen       Yes $61,336.38
1631987 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1629860 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1633857 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Foreign National   Foreign National   No  
1631094 XXXXX XXXXX Non-QM N/A No XXXX No No $18,282.60 12/26/2024 7.326% Not Required Self-Employed US Citizen   US Citizen   Yes $6,947.15
1630916 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Foreign National   Foreign National   No  
1633855 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1629301 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Foreign National   Foreign National   No  
1630012 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1632164 XXXXX XXXXX Non-QM N/A No XXXX No No $3,050.00 01/24/2025 9.715% Self-Employed   US Citizen       Yes $14,594.54
1632240 XXXXX XXXX Non-QM N/A No XXXX No No $6,657.00 01/09/2025 8.08% Self-Employed   Permanent Resident Alien       Yes $2,843.20
1632765 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1631100 XXXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1632727 XXXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1632854 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Non Permanent Resident Alien ITIN IRS Letter Non Permanent Resident Alien ITIN IRS Letter No  
1638806 XXXXX XXXX Non-QM N/A No XXXX No No $12,808.88 04/10/2025 8.145% Self-Employed   Non Permanent Resident Alien ITIN IRS Letter     Yes $11,366.51
1367561 XXXXX XXXXX Exempt N/A No XXXX No No   12/16/2021 0.00% Not Required   US Citizen       No  
1361241 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required Unemployed US Citizen   US Citizen   No  
1632264 XXXX XXXX Non-QM N/A No XXXX No No $0.00 12/17/2024 9.469% Employed Employed Non Permanent Resident Alien ITIN IRS Letter Non Permanent Resident Alien ITIN IRS Letter Yes $5,760.09
1632913 XXXX XXXX Exempt N/A No XXXX No No   01/21/2025 0.00% Not Required Not Required Foreign National   Foreign National   No  
1632507 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1631934 XXXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1632724 XXXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1630336 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1630329 XXXX XXXX Non-QM N/A No XXXX No No $19,993.80 12/13/2024 8.669% Self-Employed   US Citizen       Yes $12,673.69
1631013 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Foreign National   Foreign National   No  
1631635 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Foreign National   Foreign National ITIN IRS Letter No  
1631818 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Foreign National   Foreign National   No  
1630648 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1633207 XXXX XXXX Exempt N/A No XXXX No No   02/03/2025 0.00% Not Required   Foreign National       No  
1636943 XXXX XXXX Exempt N/A No XXXX No No   03/05/2025 0.00% Not Required   Foreign National       No  
1634441 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1634987 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1634989 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Foreign National   Foreign National   No  
1638961 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1639275 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1632330 XXXXX XXXXX Non-QM N/A No XXXX No No $21,563.50 01/13/2025 10.192% Self-Employed   Non Permanent Resident Alien ITIN IRS Letter     Yes $55,070.96
1631978 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1631877 XXXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1631394 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1632595 XXXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   Permanent Resident Alien Other     No  
1632914 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   Permanent Resident Alien       No  
1638846 XXXXX XXXXX Non-QM N/A No XXXX No No $7,915.00 04/07/2025 7.122% Self-Employed   Non Permanent Resident Alien Other     Yes $4,179.89
1631089 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1632178 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1630913 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required Not Required Non Permanent Resident Alien Other Non Permanent Resident Alien Other No  
1633162 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1631912 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1632891 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1631981 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1632590 XXXX XXXX Exempt N/A No XXXX No No   12/31/2024 0.00% Not Required   US Citizen       No  
1632484 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Self-Employed   US Citizen       Yes $5,435.74
1633308 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1633166 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   Permanent Resident Alien       No  
1637147 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   Foreign National       No  
1632780 XXXXX XXXXX Non-QM N/A No XXXX No No $0.00 01/28/2025 9.445% Self-Employed   Permanent Resident Alien       Yes $46,545.46
1628418 XXXX XXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1631004 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   Non Permanent Resident Alien ITIN IRS Letter     No  
1632832 XXXXX XXXXX Exempt N/A No XXXX No No     0.00% Not Required   US Citizen       No  
1630199 XXXX XXXX Exempt N/A No XXXX No No   11/22/2024 0.00% Not Required   US Citizen       No  
1346304 XXXX XXXX Exempt N/A No XXXX No No     0.00% Self-Employed Employed US Citizen   US Citizen   No