QM ATR Data

Run Date - 05/21/2026 6:35:12 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
BRAVO 2026-NQM5 1000895 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $18,532.80 XXX XXX Self-Employed   US Citizen       Yes $20,457.95
BRAVO 2026-NQM5 1000903 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,615.28 XXX XXX Self-Employed   US Citizen       Yes $6,214.81
BRAVO 2026-NQM5 1000914 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No   XXX XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000930 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000919 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Foreign National   Foreign National   No  
BRAVO 2026-NQM5 1000920 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000873 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,649.40 XXX XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000913 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000877 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $4,445.00 XXX XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000909 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required US Citizen   US Citizen   No  
BRAVO 2026-NQM5 1000900 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000878 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $1,890.00 XXX XXX Self-Employed Self-Employed US Citizen   US Citizen   Yes $27,237.12
BRAVO 2026-NQM5 1000916 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,397.75 XXX XXX Self-Employed   Non Permanent Resident Alien ITIN IRS Letter     Yes $36,905.41
BRAVO 2026-NQM5 1000898 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Permanent Resident Alien       No  
BRAVO 2026-NQM5 1000871 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required US Citizen   US Citizen   No  
BRAVO 2026-NQM5 1000939 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,511.88 XXX XXX Self-Employed   US Citizen       Yes $7,356.05
BRAVO 2026-NQM5 1000931 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000928 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $1,895.00 XXX XXX Self-Employed   US Citizen       Yes $7,605.84
BRAVO 2026-NQM5 1000938 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Self-Employed   US Citizen       Yes $3,309.89
BRAVO 2026-NQM5 1000943 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No   XXX XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000944 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No   XXX XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000876 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000918 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX   No   XXX XXX Self-Employed   US Citizen       Yes $17,833.34
BRAVO 2026-NQM5 1000866 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Permanent Resident Alien       No  
BRAVO 2026-NQM5 1000910 XXXXXXXXX XXXXXXX Non-QM N/A No XXXXXXXXXX No No $3,380.00 XXX XXX Self-Employed Self-Employed US Citizen   US Citizen   Yes $17,010.57
BRAVO 2026-NQM5 1000973 XXXXXXXXX XXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,904.26 XXX XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000864 XXXXXXXXXXXXX XXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,741.88 XXX XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000948 XXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No   XXX XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000917 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,965.00 XXX XXX Self-Employed Self-Employed US Citizen   US Citizen   Yes $5,624.57
BRAVO 2026-NQM5 1000885 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000868 XXXXXXXXX XXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $9,805.63 XXX XXX Employed   US Citizen       No  
BRAVO 2026-NQM5 1000897 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Employed   US Citizen       Yes $14,247.96
BRAVO 2026-NQM5 1000945 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required US Citizen   Permanent Resident Alien   No  
BRAVO 2026-NQM5 1000957 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required US Citizen   US Citizen   No  
BRAVO 2026-NQM5 1000976 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000886 XXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,782.00 XXX XXX Self-Employed Not Required US Citizen   US Citizen   Yes $4,324.01
BRAVO 2026-NQM5 1000960 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Non Permanent Resident Alien ITIN Card Non Permanent Resident Alien ITIN Card No  
BRAVO 2026-NQM5 1000961 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Permanent Resident Alien       No  
BRAVO 2026-NQM5 1000889 XXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Self-Employed Employed US Citizen   US Citizen   No  
BRAVO 2026-NQM5 1000890 XXXXXXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000884 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000894 XXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,818.12 XXX XXX Self-Employed Self-Employed US Citizen   US Citizen   Yes $4,006.47
BRAVO 2026-NQM5 1000888 XXXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,076.82 XXX XXX Self-Employed   US Citizen       Yes $33,107.64
BRAVO 2026-NQM5 1000923 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000908 XXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Foreign National   Foreign National   No  
BRAVO 2026-NQM5 1000953 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Foreign National       No  
BRAVO 2026-NQM5 1000954 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Foreign National       No  
BRAVO 2026-NQM5 1000947 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Foreign National       No  
BRAVO 2026-NQM5 1000950 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Foreign National       No  
BRAVO 2026-NQM5 1000951 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Foreign National       No  
BRAVO 2026-NQM5 1000952 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Foreign National       No  
BRAVO 2026-NQM5 1000955 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Foreign National   Foreign National   No  
BRAVO 2026-NQM5 1000970 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Foreign National       No  
BRAVO 2026-NQM5 1000924 XXXXXXXXXXXX XXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000879 XXXXXXXXX XXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 XXX XXX Employed Not Required US Citizen   US Citizen   Yes $12,511.84
BRAVO 2026-NQM5 1000869 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000901 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No   XXX XXX Not Required   Foreign National       No  
BRAVO 2026-NQM5 1000946 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000904 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000958 XXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $3,632.00 XXX XXX Self-Employed   US Citizen       Yes $4,559.90
BRAVO 2026-NQM5 1000865 XXXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $20,655.92 XXX XXX Self-Employed   US Citizen       Yes $9,920.56
BRAVO 2026-NQM5 1000925 XXXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,839.32 XXX XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000933 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Non Permanent Resident Alien ITIN IRS Letter     No  
BRAVO 2026-NQM5 1000905 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000932 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Non Permanent Resident Alien Other     No  
BRAVO 2026-NQM5 1000926 XXXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $120,565.00 XXX XXX Self-Employed   Permanent Resident Alien       No  
BRAVO 2026-NQM5 1000963 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000964 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000965 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000937 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Foreign National   Foreign National   No  
BRAVO 2026-NQM5 1000942 XXXXXXXXXXXX XXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000936 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Foreign National   Foreign National   No  
BRAVO 2026-NQM5 1000959 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Foreign National   Foreign National   No  
BRAVO 2026-NQM5 1000967 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Foreign National   Foreign National   No  
BRAVO 2026-NQM5 1000974 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required Foreign National   Foreign National   No  
BRAVO 2026-NQM5 1000881 XXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000907 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000911 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000870 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,705.00 XXX XXX Self-Employed   Permanent Resident Alien       No  
BRAVO 2026-NQM5 1000891 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Self-Employed   US Citizen       Yes $15,207.64
BRAVO 2026-NQM5 1000969 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000874 XXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000867 XXXXXXXXX XXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $4,714.69 XXX XXX Employed   US Citizen       No  
BRAVO 2026-NQM5 1000934 XXXXX XXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Non Permanent Resident Alien ITIN IRS Letter     No  
BRAVO 2026-NQM5 1000880 XXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,764.13 XXX XXX Self-Employed   US Citizen       Yes $5,036.43
BRAVO 2026-NQM5 1000892 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000975 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required Not Required US Citizen   US Citizen   No  
BRAVO 2026-NQM5 1000922 XXXXXXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Permanent Resident Alien       No  
BRAVO 2026-NQM5 1000949 XXXXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000893 XXXXXXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Permanent Resident Alien       No  
BRAVO 2026-NQM5 1000929 XXXXX XXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000941 XXXXXXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000921 XXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000915 XXXXXXX XXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Non Permanent Resident Alien ITIN IRS Letter     No  
BRAVO 2026-NQM5 1000896 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000956 XXXXXXXXX XXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000883 XXXXXXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   Permanent Resident Alien       No  
BRAVO 2026-NQM5 1000940 XXXXXXXXXXXXX XXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $23,705.00 XXX XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000887 XXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Employed   US Citizen       No  
BRAVO 2026-NQM5 1000902 XXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Employed   US Citizen       No  
BRAVO 2026-NQM5 1000962 XXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000971 XXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000968 XXXXXXXXX XXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000966 XXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000899 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000872 XXXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXX XXX Self-Employed   US Citizen       No  
BRAVO 2026-NQM5 1000906 XXXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $85,048.13 XXX XXX Self-Employed   US Citizen       Yes $764,719.11
BRAVO 2026-NQM5 1000972 XXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000927 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No  
BRAVO 2026-NQM5 1000882 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     XXX Not Required   US Citizen       No