EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.07

Schedule 5. Evolve QM ATR Data Report

 

 

QM ATR Data
Run Date - 06/01/2026 3:35:39 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
1685954 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1688217 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1688819 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693806 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $8,574.07
1693807 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   Foreign National       No  
1693437 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   Non Permanent Resident Alien H-1B Visa     No  
1693438 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693439 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693440 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,083.64 04/17/2026 7.479% Self-Employed   US Citizen       Yes $13,428.42
1432753 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $25,710.00 07/27/2022 8.384% Self-Employed Self-Employed US Citizen   US Citizen   Yes $12,765.17
1693441 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693442 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 04/10/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $7,003.39
1692746 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1688835 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $14,962.52 02/20/2026 0.00% Employed Self-Employed US Citizen   US Citizen   Yes $10,231.07
1688836 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $6,115.89
1688846 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1692749 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1693808 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693614 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1688929 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693443 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   Permanent Resident Alien   No  
1693809 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693810 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1691830 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693811 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693812 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693813 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $6,119.60
1693814 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693815 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1692803 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   Foreign National       Yes $10,229.61
1693816 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   Permanent Resident Alien       No  
1693444 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1689003 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1692751 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693817 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1693446 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693447 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693818 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Unemployed Not Required US Citizen   US Citizen   Yes $41,530.58
1693449 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   Permanent Resident Alien       No  
1693450 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693452 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693819 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $4,531.64
1693820 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1692805 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $70,945.00 02/23/2026 0.00% Employed   Foreign National       Yes $60,254.74
1693453 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693454 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1692753 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1693455 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $12,897.60 04/02/2026 0.00% Self-Employed Retired US Citizen   US Citizen   Yes $18,827.00
1692754 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693456 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 04/28/2026 0.00% Retired   US Citizen       Yes $4,923.59
1692755 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   Non Permanent Resident Alien E-2 Visa     No  
1693457 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $6,790.99
1693821 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1692757 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693459 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693822 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Self-Employed US Citizen   US Citizen   Yes $18,978.77
1693460 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired   US Citizen       No  
1693461 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693462 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693823 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693824 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693463 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693464 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Not Required US Citizen   US Citizen   No  
1692764 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1693056 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693466 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 04/14/2026 7.147% Self-Employed   US Citizen       Yes $91,803.06
1693467 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $65,469.64 04/20/2026 0.00% Self-Employed   US Citizen       Yes $40,759.39
1693469 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $30,706.64 03/13/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $14,035.99
1692767 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693471 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 04/16/2026 7.197% Not Required Employed US Citizen   US Citizen   Yes $11,581.60
1693472 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 04/08/2026 0.00% Self-Employed   US Citizen       No  
1692768 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Not Required US Citizen   US Citizen   No  
1693475 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $34,325.48 04/13/2026 0.00% Self-Employed   US Citizen       No  
1693476 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,356.25 04/13/2026 0.00% Retired   US Citizen       Yes $3,490.54
1693477 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693480 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693481 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,170.99 04/20/2026 0.00% Self-Employed   Permanent Resident Alien       Yes $1,748.57
1693482 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 04/09/2026 7.041% Not Required Self-Employed US Citizen   US Citizen   Yes $10,650.10
1693483 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693484 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693485 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1693486 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693825 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   Permanent Resident Alien       No  
1692774 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1693487 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $20,996.11
1693488 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693489 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $3,013.90 04/20/2026 7.49% Retired   US Citizen       Yes $3,236.97
1693490 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,366.25 04/06/2026 6.972% Employed   US Citizen       Yes $2,134.18
1692776 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $4,543.71
1692777 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693492 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693493 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $25,695.00 04/08/2026 7.259% Self-Employed Self-Employed US Citizen   US Citizen   Yes $28,496.75
1693494 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1693495 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1693496 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1692780 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693498 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,442.50 04/13/2026 8.238% Employed   US Citizen       Yes $2,906.33
1693826 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693499 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $12,808.38 04/17/2026 8.277% Retired Retired US Citizen   US Citizen   Yes $3,019.11
1693501 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX   No $0.00 04/20/2026 7.393% Self-Employed   US Citizen       Yes $11,132.70
1693502 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693503 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Self-Employed US Citizen   US Citizen   Yes $10,664.73
1692781 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693505 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693506 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Employed US Citizen   US Citizen   No  
1692782 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693507 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693508 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1692784 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $12,415.11
1693509 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693510 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX   No $0.00 04/20/2026 0.00% Self-Employed   US Citizen       Yes $4,777.78
1693670 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693521 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 04/15/2026 7.791% Self-Employed   Permanent Resident Alien       Yes $25,540.17
1693525 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $43,813.03
1692791 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1693527 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1693528 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $18,396.71 04/13/2026 6.993% Self-Employed Unemployed US Citizen   US Citizen   Yes $9,122.89
1693529 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,758.73 04/10/2026 7.366% Self-Employed Not Required US Citizen   US Citizen   Yes $8,117.81
1693530 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693535 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $5,208.50 04/15/2026 7.286% Employed   US Citizen       Yes $8,227.48
1693536 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $13,290.57 04/22/2026 8.385% Self-Employed   US Citizen       Yes $8,467.68
1693537 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693538 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1693539 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693540 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693543 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,727.54 04/22/2026 8.242% Self-Employed   US Citizen       Yes $3,804.96
1693544 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $39,159.36 04/24/2026 7.412% Not Required Self-Employed US Citizen   US Citizen   Yes $11,961.45
1693545 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693546 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693547 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693549 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,391.31 04/20/2026 8.483% Self-Employed   US Citizen       Yes $22,515.54
1693550 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693551 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $10,768.52 04/20/2026 7.547% Employed Employed US Citizen   US Citizen   Yes $12,937.44
1693555 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,573.87 04/08/2026 7.394% Employed   US Citizen       Yes $12,506.58
1693556 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693557 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693558 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693559 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693560 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693561 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $4,670.00 04/17/2026 8.075% Self-Employed   US Citizen       Yes $2,275.26
1693562 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $15,930.30
1693563 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $8,345.00 04/17/2026 7.949% Not Required   US Citizen       Yes $3,392.10
1693564 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $7,027.03
1693565 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX Yes No $6,581.21 04/17/2026 7.101% Employed   US Citizen       Yes $2,565.64
1693566 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1693568 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired   US Citizen       No  
1693569 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693570 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1693571 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $3,890.00 04/13/2026 7.403% Self-Employed Self-Employed US Citizen   US Citizen   Yes $3,286.83
1693578 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $33,009.46
1693579 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $6,395.53 04/13/2026 7.779% Employed Not Required US Citizen   US Citizen   Yes $4,212.02
1693582 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,671.00 04/18/2026 7.532% Retired Retired US Citizen   US Citizen   Yes $2,878.85
1693583 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,155.00 04/24/2026 7.846% Employed   US Citizen       Yes $6,447.11
1693763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $14,512.00 04/29/2026 0.00% Self-Employed Not Required US Citizen   US Citizen   Yes $10,614.47
1693585 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1693587 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Higher Priced QM (APOR) Not Provided No XXXXXXXXXX No No $14,996.47 04/17/2026 7.916% Self-Employed   US Citizen       Yes $7,479.53
1693588 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,631.46 04/17/2026 7.412% Self-Employed   US Citizen       Yes $3,773.70
1693713 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $12,025.59 04/23/2026 0.00% Self-Employed Employed US Citizen   Permanent Resident Alien   Yes $6,752.72
1693590 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX   No $41,603.80 04/21/2026 9.472% Not Required   US Citizen       Yes $26,020.31
1693596 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $10,520.00 04/23/2026 7.031% Self-Employed   US Citizen       Yes $7,724.30
1693598 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1693600 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Unemployed US Citizen   US Citizen   Yes $12,104.98
1693602 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $3,130.00 04/23/2026 7.623% Self-Employed Employed US Citizen   US Citizen   No  
1693605 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No