EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.07 - Schedule 5

 

 

QM ATR Data
Run Date - 08/12/2026 11:28:13 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
1698895 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1698896 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698897 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698899 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $2,929.33
1698900 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 06/12/2026 7.173% Employed Retired US Citizen   US Citizen   No  
1357578 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,752.50 01/25/2022 3.942% Self-Employed   US Citizen       No  
1698901 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 04/29/2026 0.00% Self-Employed   US Citizen       Yes $18,055.58
1698902 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698903 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/29/2026 0.00% Self-Employed   US Citizen       Yes $7,348.09
1698904 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $4,437.29 05/12/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $11,433.29
1698905 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $19,449.08 06/01/2026 7.064% Self-Employed Self-Employed US Citizen   US Citizen   Yes $10,440.34
1698906 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698907 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698908 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,775.65 06/01/2026 7.596% Self-Employed Not Required US Citizen   US Citizen   Yes $5,991.08
1698909 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,056.66 06/26/2026 7.98% Self-Employed   US Citizen       Yes $1,834.35
1698910 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1698911 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $3,936.14 05/18/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $2,479.50
1698912 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698913 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/05/2026 0.00% Employed   US Citizen       Yes $3,208.99
1698914 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,284.33 05/11/2026 0.00% Self-Employed Self-Employed US Citizen   Permanent Resident Alien   Yes $2,801.79
1698915 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,080.85 05/27/2026 7.579% Self-Employed Not Required US Citizen   US Citizen   Yes $7,531.38
1698916 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1699343 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $8,056.29
1698917 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/03/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $8,056.29
1698918 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698919 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,289.18 05/19/2026 0.00% Self-Employed   US Citizen       Yes $8,775.07
1698920 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1694100 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $1,895.00 04/30/2026 9.051% Self-Employed   US Citizen       Yes $19,241.23
1698921 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,295.96 06/09/2026 7.639% Self-Employed Self-Employed US Citizen   US Citizen   Yes $3,639.79
1698922 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 05/22/2026 7.771% Self-Employed Self-Employed US Citizen   US Citizen   Yes $5,829.71
1698923 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Not Required US Citizen   US Citizen   No  
1698924 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,420.00 05/18/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $14,236.37
1698925 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $13,095.89 05/13/2026 0.00% Self-Employed   US Citizen       Yes $3,844.73
1698926 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $16,895.00 05/22/2026 0.00% Self-Employed   US Citizen       Yes $16,014.19
1698927 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,640.40 05/18/2026 0.00% Self-Employed   US Citizen       Yes $5,103.68
1698928 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698929 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698930 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 05/20/2026 0.00% Employed Self-Employed US Citizen   US Citizen   Yes $8,141.23
1698931 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Employed US Citizen   US Citizen   No  
1698932 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698933 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $13,023.15 05/15/2026 7.546% Self-Employed   US Citizen       Yes $4,884.99
1698934 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698935 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,296.76 05/18/2026 0.00% Self-Employed   US Citizen       Yes $2,913.74
1698936 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,082.24 06/04/2026 0.00% Self-Employed Not Required US Citizen   US Citizen   Yes $5,160.14
1698937 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 05/15/2026 0.00% Self-Employed   US Citizen       Yes $9,382.72
1698938 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $21,816.16 05/29/2026 0.00% Self-Employed   US Citizen       Yes $9,252.87
1698939 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $10,888.32 05/22/2026 0.00% Self-Employed   US Citizen       Yes $4,661.01
1698940 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,515.47 06/05/2026 0.00% Self-Employed   US Citizen       Yes $3,593.26
1698941 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,306.09 06/01/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $7,749.17
1698942 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698943 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $1,895.00 05/19/2026 7.75% Self-Employed   US Citizen       Yes $5,979.55
1698944 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698945 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,197.14 05/27/2026 0.00% Retired   US Citizen       Yes $1,848.52
1698946 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $13,260.13 06/01/2026 7.114% Self-Employed   US Citizen       Yes $9,070.04
1698947 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $17,251.25 05/28/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $6,519.66
1698948 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $15,915.77 06/05/2026 6.942% Self-Employed Employed US Citizen   US Citizen   Yes $8,400.43
1698949 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 05/26/2026 0.00% Employed Self-Employed US Citizen   US Citizen   Yes $6,469.91
1698950 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/22/2026 8.265% Employed Retired US Citizen   US Citizen   Yes $11,821.49
1698951 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $10,781.47 06/22/2026 7.702% Self-Employed   US Citizen       Yes $5,289.76
1698952 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $5,195.00 05/28/2026 7.74% Employed   Permanent Resident Alien       Yes $2,770.51
1698953 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $10,833.25 05/28/2026 7.459% Self-Employed Employed US Citizen   US Citizen   Yes $2,795.37
1698954 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,077.50 06/15/2026 7.828% Self-Employed   US Citizen       Yes $4,023.51
1698955 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $4,367.25 06/09/2026 7.242% Self-Employed   US Citizen       Yes $9,793.90
1698956 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698957 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,490.84 05/19/2026 7.09% Self-Employed   US Citizen       Yes $4,285.33
1698958 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $17,121.21 05/21/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $6,599.35
1698959 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,876.08 05/29/2026 0.00% Employed Self-Employed US Citizen   US Citizen   Yes $11,249.93
1698960 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/08/2026 0.00% Self-Employed   US Citizen       Yes $3,108.61
1698961 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $14,765.00 05/27/2026 7.244% Employed   US Citizen       Yes $8,916.31
1698962 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698963 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698964 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,643.75 05/29/2026 8.13% Self-Employed Unemployed US Citizen   US Citizen   Yes $3,554.70
1698965 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1698966 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698967 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $2,651.03
1698968 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $10,066.44
1698969 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698970 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/15/2026 0.00% Self-Employed   US Citizen       Yes $2,274.98
1698971 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 05/22/2026 0.00% Self-Employed   US Citizen       Yes $9,956.31
1698972 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1698973 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $5,915.48 05/27/2026 8.01% Self-Employed   US Citizen       Yes $7,013.64
1698974 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Employed US Citizen   US Citizen   No  
1698975 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698976 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,393.18 05/29/2026 0.00% Employed   US Citizen       Yes $2,559.86
1698977 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698978 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $1,895.00 05/22/2026 7.437% Self-Employed   US Citizen       Yes $39,278.10
1698979 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 05/19/2026 0.00% Self-Employed   US Citizen       Yes $15,187.18
1698980 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/03/2026 0.00% Employed Retired US Citizen   US Citizen   No  
1698981 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 06/18/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $5,308.54
1698982 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 05/28/2026 7.201% Self-Employed   US Citizen       Yes $33,012.88
1698983 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 06/03/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $2,961.57
1698984 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,346.90 06/01/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $3,529.10
1698985 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $3,285.00 06/12/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $25,161.86
1698986 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/02/2026 8.08% Self-Employed   Foreign National       Yes $101,224.10
1698987 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698988 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698989 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698990 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/08/2026 7.845% Self-Employed   US Citizen       Yes $13,889.57
1698991 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,411.40 06/04/2026 0.00% Retired   US Citizen       Yes $2,277.01
1698992 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698993 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $24,582.50 06/01/2026 9.172% Self-Employed Self-Employed US Citizen   US Citizen   Yes $11,123.04
1698994 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698995 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/17/2026 7.628% Self-Employed   US Citizen       Yes $3,207.16
1698996 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,042.82 06/04/2026 0.00% Self-Employed   US Citizen       Yes $4,070.84
1698997 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,030.24 06/29/2026 0.00% Employed Employed US Citizen   US Citizen   Yes $5,180.13
1698998 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,106.44 05/28/2026 7.462% Self-Employed Employed US Citizen   US Citizen   Yes $7,987.99
1698999 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/12/2026 0.00% Self-Employed   US Citizen       Yes $31,301.67
1699000 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,258.36 06/01/2026 7.726% Self-Employed Self-Employed US Citizen   US Citizen   Yes $3,258.86
1699001 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699002 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,891.01 06/15/2026 0.00% Self-Employed   US Citizen       Yes $17,112.20
1699003 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $17,096.54 05/29/2026 7.269% Self-Employed Self-Employed US Citizen   US Citizen   Yes $31,240.68
1699004 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $24,753.75 05/29/2026 8.282% Employed   US Citizen       Yes $9,615.49
1699005 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,366.90 06/04/2026 0.00% Self-Employed   US Citizen       Yes $5,443.41
1699006 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/17/2026 7.424% Self-Employed Retired US Citizen   US Citizen   Yes $5,838.19
1699007 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/02/2026 0.00% Self-Employed   US Citizen       Yes $4,333.63
1699008 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $17,350.00 06/22/2026 7.271% Self-Employed   US Citizen       Yes $13,897.38
1699009 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 06/15/2026 7.935% Employed   US Citizen       Yes $10,700.29
1699010 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Self-Employed US Citizen   US Citizen   Yes $24,940.65
1699011 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $22,768.40 06/11/2026 0.00% Employed   US Citizen       Yes $11,290.98
1699012 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,955.89 06/16/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $6,897.15
1699013 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $13,491.88 05/28/2026 7.542% Self-Employed Self-Employed US Citizen   US Citizen   Yes $11,640.23
1699014 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/17/2026 7.737% Self-Employed   US Citizen       Yes $9,553.63
1699621 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 06/08/2026 7.385% Employed   US Citizen       Yes $5,085.31
1699015 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/08/2026 0.00% Employed Self-Employed US Citizen   US Citizen   Yes $7,324.51
1699016 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/26/2026 7.228% Self-Employed   US Citizen       Yes $16,054.11
1699017 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,510.00 06/15/2026 0.00% Self-Employed   US Citizen       Yes $5,400.39
1699018 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,365.00 06/08/2026 7.595% Retired   US Citizen       No  
1699019 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/08/2026 0.00% Retired Employed US Citizen   US Citizen   Yes $10,279.30
1699020 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,945.00 06/29/2026 7.342% Self-Employed   US Citizen       Yes $4,972.23
1699021 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $7,026.06 06/19/2026 0.00% Employed   US Citizen       Yes $7,225.12
1699022 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $11,580.36 07/06/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $7,496.37
1699023 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699024 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $21,173.53 06/26/2026 0.00% Self-Employed   US Citizen       Yes $7,524.37
1699025 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 06/17/2026 7.719% Employed   US Citizen       Yes $5,250.13
1699026 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1699027 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $41,287.50 06/30/2026 7.775% Self-Employed   US Citizen       Yes $227,504.55
1699028 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 07/06/2026 7.941% Self-Employed Employed US Citizen   US Citizen   Yes $16,799.49
1699029 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699030 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1699031 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $15,625.61 06/20/2026 7.225% Retired Retired US Citizen   US Citizen   Yes $5,475.95
1699032 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $4,850.14 06/05/2026 0.00% Employed   Permanent Resident Alien       Yes $3,985.47
1699033 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,366.73 07/01/2026 7479.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $9,072.58
1699034 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1699035 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $25,794.49 06/16/2026 0.00% Employed Self-Employed US Citizen   US Citizen   Yes $9,738.61
1699036 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $19,736.00 06/24/2026 0.00% Retired Employed US Citizen   US Citizen   Yes $9,496.97
1699037 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $32,482.35 06/25/2026 7.777% Self-Employed   US Citizen       Yes $21,668.93
1699038 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $12,850.28 06/25/2026 7.125% Retired Retired US Citizen   US Citizen   Yes $12,195.69
1699039 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699040 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/16/2026 0.00% Employed Employed US Citizen   US Citizen   Yes $13,531.21
1699041 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/17/2026 0.00% Self-Employed   US Citizen       No  
1699042 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,596.46 06/24/2026 7.977% Self-Employed   Permanent Resident Alien       Yes $2,272.74
1699043 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699044 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1699045 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1699046 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,395.39 06/18/2026 0.00% Self-Employed   US Citizen       Yes $4,176.07
1699047 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired   US Citizen       Yes $6,907.65
1699048 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/24/2026 7.085% Self-Employed   US Citizen       No  
1699049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $13,710.25 07/07/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $11,222.79
1699050 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,250.00 06/01/2026 7.942% Self-Employed   US Citizen       Yes $13,614.68
1699051 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $11,675.58 06/19/2026 7.209% Not Required Retired US Citizen   US Citizen   Yes $7,090.85
1699052 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1699053 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699054 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/17/2026 7.303% Self-Employed Not Required Permanent Resident Alien   US Citizen   Yes $7,664.67
1699055 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $12,861.03 07/02/2026 0.00% Self-Employed   US Citizen       Yes $6,165.74
1699056 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   Foreign National       No  
1699057 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1699058 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1699059 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $13,142.40 06/26/2026 7.443% Not Required Self-Employed US Citizen   US Citizen   Yes $6,009.42
1699060 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,082.50 06/20/2026 0.00% Self-Employed   US Citizen       Yes $4,142.50
1699061 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   Permanent Resident Alien       No  
1699062 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1699063 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1699064 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/07/2026 0.00% Not Required Not Required US Citizen   US Citizen   Yes $2,553.88
1699065 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699066 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $26,350.75 06/25/2026 8.573% Employed Not Required US Citizen   US Citizen   Yes $9,559.62
1699067 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,845.10 07/10/2026 0.00% Self-Employed   US Citizen       Yes $3,955.58
1699068 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/01/2026 0.00% Self-Employed   US Citizen       Yes $6,659.97
1699069 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1699070 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/08/2026 8.267% Employed Employed US Citizen   US Citizen   Yes $9,835.59
1699071 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,604.01 06/29/2026 7.734% Self-Employed   US Citizen       No  
1699072 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/30/2026 7.70% Self-Employed   US Citizen       Yes $5,729.35
1699073 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/06/2026 7.787% Self-Employed   US Citizen       Yes $3,287.80
1699074 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699075 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699076 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1699077 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $44,166.19 06/26/2026 0.00% Employed   US Citizen       Yes $501,070.93
1699078 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/22/2026 0.00% Self-Employed   US Citizen       Yes $2,751.51
1699079 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699080 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $9,107.50
1699081 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1699082 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,916.63 07/08/2026 0.00% Self-Employed   US Citizen       Yes $3,276.83
1699083 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/25/2026 7.211% Self-Employed   US Citizen       Yes $9,032.51
1699084 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/02/2026 0.00% Self-Employed   US Citizen       Yes $9,685.78
1699085 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/10/2026 0.00% Self-Employed   Permanent Resident Alien       Yes $8,828.90
1699086 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/30/2026 6.88% Self-Employed   US Citizen       Yes $8,889.18
1699087 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $9,482.17 07/02/2026 7.646% Self-Employed Self-Employed US Citizen   US Citizen   Yes $5,208.39
1699088 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699089 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1699090 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/29/2026 0.00% Self-Employed   US Citizen       Yes $3,197.96
1699091 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   Permanent Resident Alien   No  
1699092 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $25,340.90
1699093 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/29/2026 7.122% Self-Employed   US Citizen       Yes $12,890.26
1699094 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/30/2026 7.614% Self-Employed Not Required US Citizen   US Citizen   Yes $18,070.43
1699095 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,893.41 06/29/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $3,565.12
1699096 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/07/2026 8.257% Self-Employed   US Citizen       Yes $16,304.14
1699097 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1699098 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $4,522.05
1699099 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/08/2026 7.605% Self-Employed Self-Employed US Citizen   US Citizen   Yes $3,963.82
1699100 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX   No $0.00 07/09/2026 0.00% Employed   US Citizen       Yes $8,466.77
1699101 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1699102 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 06/07/2026 7.875% Employed Self-Employed US Citizen   US Citizen   Yes $7,674.71
1699103 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,120.00 07/08/2026 7.548% Self-Employed   US Citizen       Yes $3,330.24
1699104 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/06/2026 0.00% Self-Employed   US Citizen       Yes $8,887.20