QM ATR Data
Run Date - 06/10/2026 11:03:26 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 |
| 1690499 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/26/2026 | 0.00% | Self-Employed | US Citizen | Yes | -$17,906.91 | ||||
| 1689711 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Employed | Not Required | US Citizen | US Citizen | No | ||||
| 1690854 | XXXXXXXXX | XXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/23/2026 | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||
| 1690525 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/11/2026 | 7.336% | Employed | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | No | |
| 1690281 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/24/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | No | |||
| 1692549 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1691398 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1689551 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 02/17/2026 | 0.00% | Self-Employed | US Citizen | Yes | $20,035.19 | ||||
| 1693036 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1689279 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $33,113.70 | |||||
| 1690073 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/20/2026 | 0.00% | Self-Employed | US Citizen | Yes | $3,173.09 | ||||
| 1690497 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/03/2026 | 9.734% | Self-Employed | US Citizen | Yes | $13,496.44 | ||||
| 1690440 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1691354 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/16/2026 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | No | ||||
| 1692716 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1693260 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||
| 1690292 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN Card | Yes | $10,339.51 | ||||
| 1693906 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/30/2026 | 0.00% | Self-Employed | US Citizen | Yes | $7,235.31 | ||||
| 1692561 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690738 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Not Required | Permanent Resident Alien | US Citizen | No | ||||
| 1692688 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1693340 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1691628 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1691019 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/05/2026 | 0.00% | Self-Employed | US Citizen | Yes | $14,367.20 | ||||
| 1690394 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $2,912.08 | |||||
| 1689455 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/05/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1689610 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $34,536.50 | ||||
| 1690620 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690253 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Employed | Self-Employed | US Citizen | US Citizen | Yes | $137,233.44 | |||
| 1690407 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||
| 1690359 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692971 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1691446 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/26/2026 | 0.00% | Self-Employed | Not Required | US Citizen | US Citizen | Yes | $20,088.04 | ||
| 1692799 | XXXXXXXXX | XXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/13/2026 | 0.00% | Employed | Employed | US Citizen | US Citizen | Yes | $5,581.15 | ||
| 1692572 | XXXXXXXXX | XXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/24/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $65,178.54 | ||
| 1690267 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $42,241.88 | |||||
| 1691447 | XXXXXXXXX | XXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/19/2026 | 0.00% | Employed | Employed | US Citizen | US Citizen | No | |||
| 1688299 | XXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 02/19/2026 | 0.00% | Self-Employed | US Citizen | Yes | $9,789.91 | ||||
| 1689457 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $69,500.71 | |||||
| 1692098 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692402 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1691473 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/24/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1691352 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/12/2026 | 0.00% | Self-Employed | Unemployed | US Citizen | US Citizen | No | |||
| 1690632 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/26/2026 | 8.708% | Self-Employed | US Citizen | Yes | $8,407.84 | ||||
| 1689786 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/03/2026 | 0.00% | Self-Employed | US Citizen | Yes | $12,826.95 | ||||
| 1691366 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $13,137.76 | |||||
| 1691329 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692437 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/25/2026 | 8.317% | Self-Employed | US Citizen | Yes | $11,593.88 | ||||
| 1691129 | XXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690847 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692114 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690072 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1689744 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Employed | Employed | US Citizen | US Citizen | No | ||||
| 1688066 | XXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 02/13/2026 | 0.00% | Not Required | US Citizen | No | |||||
| 1691213 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | No | ||||
| 1690435 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692161 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690498 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690853 | XXXXXXXXX | XXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/18/2026 | 6.73% | Self-Employed | Permanent Resident Alien | Yes | $32,202.37 | ||||
| 1691726 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1687988 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 02/17/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1689937 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690856 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692889 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 04/22/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1691484 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 03/17/2026 | 8.686% | Self-Employed | Not Required | Permanent Resident Alien | Permanent Resident Alien | Yes | $8,794.64 | ||
| 1692197 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||
| 1692195 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||
| 1692179 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||
| 1690518 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690547 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXX | 0.00% | Not Required | US Citizen | No |