QM ATR Data
Run Date - 06/10/2026 11:02:44 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 |
| 1692344 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1691778 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/13/2026 | 0.00% | Self-Employed | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $3,807.37 |
| 1689999 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 02/19/2026 | 0.00% | Employed | Employed | US Citizen | US Citizen | No | |||
| 1687450 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Permanent Resident Alien | No | ||||||
| 1687449 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Permanent Resident Alien | No | ||||||
| 1691115 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/30/2026 | 0.00% | Self-Employed | US Citizen | Yes | $7,480.25 | ||||
| 1687146 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Permanent Resident Alien | No | ||||||
| 1690509 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||
| 1691779 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/18/2026 | 0.00% | Employed | Permanent Resident Alien | Yes | $20,219.71 | ||||
| 1689049 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 02/18/2026 | 8.041% | Self-Employed | US Citizen | No | |||||
| 1688035 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1691780 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/11/2026 | 0.00% | Employed | US Citizen | Yes | $5,495.49 | ||||
| 1689673 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690284 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 02/25/2026 | 0.00% | Self-Employed | Permanent Resident Alien | No | |||||
| 1690000 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 02/26/2026 | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | No | |||
| 1691112 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||
| 1692900 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/13/2026 | 0.00% | Self-Employed | US Citizen | Yes | $5,725.55 | ||||
| 1690287 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690511 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1691110 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1689855 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1691781 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | Permanent Resident Alien | No | ||||
| 1692901 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/23/2026 | 7.744% | Self-Employed | US Citizen | No | |||||
| 1690845 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/04/2026 | 0.00% | Self-Employed | US Citizen | Yes | $7,716.78 | ||||
| 1691330 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/01/2026 | 0.00% | Employed | US Citizen | Yes | $25,345.36 | ||||
| 1690283 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/05/2026 | 0.00% | Employed | Not Required | US Citizen | US Citizen | Yes | $13,146.40 | ||
| 1691783 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | Not Required | US Citizen | US Citizen | No | ||||
| 1691785 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Employed | US Citizen | No | ||||||
| 1692903 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/05/2026 | 0.00% | Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $1,724.10 | |||
| 1690846 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/06/2026 | 0.00% | Employed | US Citizen | Yes | $10,952.82 | ||||
| 1690839 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Non Permanent Resident Alien | ITIN Card | No | |||||
| 1691113 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1691331 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/18/2026 | 8.435% | Self-Employed | Not Required | US Citizen | US Citizen | Yes | $22,924.08 | ||
| 1690840 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | Permanent Resident Alien | Yes | $230,803.33 | |||||
| 1690842 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/11/2026 | 0.00% | Self-Employed | US Citizen | Yes | $8,732.20 | ||||
| 1691787 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Permanent Resident Alien | No | ||||||
| 1693406 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1693408 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/21/2026 | 0.00% | Self-Employed | US Citizen | Yes | $6,680.14 | ||||
| 1693409 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/09/2026 | 0.00% | Self-Employed | Non Permanent Resident Alien | Yes | $4,259.31 | ||||
| 1692907 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/27/2026 | 7.76% | Self-Employed | US Citizen | Yes | $9,143.57 | ||||
| 1693417 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/24/2026 | 0.00% | Employed | Employed | US Citizen | US Citizen | No | |||
| 1692565 | XXXXXX | XXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/16/2026 | 0.00% | Self-Employed | Not Required | US Citizen | US Citizen | Yes | $14,550.38 | ||
| 1690649 | XXXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 02/18/2026 | 0.00% | Self-Employed | Non Permanent Resident Alien | R-1 Visa | Yes | $33,884.47 | |||
| 1692104 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Non Permanent Resident Alien | Other | No | |||||
| 1692285 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692895 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Permanent Resident Alien | No | ||||||
| 1690189 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 02/10/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1683436 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1691324 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||
| 1689991 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Employed | Non Permanent Resident Alien | ITIN Card | Yes | $4,301.75 | ||||
| 1690948 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/06/2026 | 0.00% | Self-Employed | US Citizen | Yes | $16,615.97 | ||||
| 1692987 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/06/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1691222 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690340 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1691173 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1689506 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $72,003.70 | |||
| 1690242 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692453 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | No | |||||
| 1692737 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1691317 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/01/2026 | 0.00% | Not Required | US Citizen | No | |||||
| 1692302 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $73,300.03 | |||
| 1693832 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/20/2026 | 0.00% | Employed | Employed | US Citizen | US Citizen | Yes | $13,299.50 | ||
| 1692892 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692624 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Not Required | US Citizen | Permanent Resident Alien | No | ||||
| 1692168 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692745 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692568 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690171 | XXXXXX | XXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/02/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1692625 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/19/2026 | 0.00% | Self-Employed | US Citizen | Yes | $65,804.12 | ||||
| 1692801 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/14/2026 | 0.00% | Self-Employed | Permanent Resident Alien | No | |||||
| 1692692 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | US Citizen | No | ||||||
| 1690355 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690760 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690505 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Non Permanent Resident Alien | No | ||||||
| 1689918 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Non Permanent Resident Alien | ITIN Card | No | |||||
| 1691270 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692739 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692744 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692725 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1692727 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Non Permanent Resident Alien | ITIN Card | No | |||||
| 1692886 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/17/2026 | 0.00% | Not Required | US Citizen | No | |||||
| 1693143 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | Not Required | Permanent Resident Alien | Permanent Resident Alien | No | ||||
| 1690436 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690950 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690951 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1693037 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/20/2026 | 0.00% | Self-Employed | Non Permanent Resident Alien | Other | Yes | $7,893.16 | |||
| 1692108 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $45,406.96 | |||||
| 1690280 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/18/2026 | 0.00% | Self-Employed | US Citizen | Yes | $7,563.47 | ||||
| 1694190 | XXXXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 04/30/2026 | 0.00% | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $6,470.40 | |||
| 1690002 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/02/2026 | 8.815% | Self-Employed | US Citizen | No | |||||
| 1687444 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1693724 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 0.00% | Not Required | US Citizen | No | ||||||
| 1690194 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXXXXXXXXXXXXX | 03/12/2026 | 0.00% | Unemployed | Self-Employed | US Citizen | US Citizen | No |