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| QM ATR Data | |||||||||||||||||||
| Run Date - 08/28/2026 12:47:03 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 |
| XXXXXXXXXXX | 6000121133 | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | XXXXXXXXXX | 0.00% | Self-Employed | Self-Employed | Foreign National | Foreign National | No | ||||
| XXXXXXXXXXX | 6000121296 | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| XXXXXXXXXXX | 6000123518 | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXX | 4000132402 | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| XXXXXXXXXX | 4000128994 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 6000083158 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| XXXXXXXXXX | 4000128804 | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $21,995.00 | XXXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $23,640.65 | ||||
| XXXXXXXXXXX | 4000131216 | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 6000079114 | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6,036.60 | XXXXXXXXXX | 6.529% | Self-Employed | US Citizen | Yes | $13,755.13 | ||||
| XXXXXXXXX | 4000132384 | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $16,765.00 | XXXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $7,052.32 | ||||
| XXXXXXXXX | 4000131460 | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $14,490.00 | XXXXXXXXXX | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $5,218.22 | ||
| XXXXXXXXX | 4000132176 | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXX | 4000130676 | XXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXX | 4000131370 | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $9,216.00 | XXXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $17,346.77 | ||||
| XXXXXXXXXXXXXX | 4000121191 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000129314 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 0.00% | Self-Employed | US Citizen | No | |||||
| XXXXXXXXXX | 4000136037 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000127094 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000132024 | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $1,960.00 | XXXXXXXXXX | 0.00% | Employed | Not Required | US Citizen | US Citizen | Yes | $19,729.68 | ||
| XXXXXXXXXX | 4000130747 | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $1,935.90 | XXXXXXXXXX | 0.00% | Employed | US Citizen | Yes | $30,875.20 | ||||
| XXXXXXXXXX | 4000131118 | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $335.00 | XXXXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $43,973.05 | ||||
| XXXXXXXXXX | 4000128095 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000129598 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | US Citizen | No | |||||||
| XXXXXXXXXX | 4000104540 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXX | 4000130452 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | Yes | $5,900.89 | ||||||
| XXXXXXXXXXXXXX | 4000128053 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 7.589% | Not Required | US Citizen | Yes | $8,183.04 | ||||
| XXXXXXXXXXXXXX | 4000084487 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $34,145.02 | XXXXXXXXXX | 7.575% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $23,823.75 | ||
| XXXXXXXXXXXXXX | 4000098374 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $1,700.00 | XXXXXXXXXX | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $5,610.45 | ||
| XXXXXXXXXXXXXX | 4000102671 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000114338 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000129080 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $13,180.00 | XXXXXXXXXX | 6.785% | Self-Employed | US Citizen | Yes | $6,454.43 | ||||
| XXXXXXXXXXXXXX | 4000126366 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Employed | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000128055 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000122786 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000128466 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 6.854% | Employed | Employed | US Citizen | US Citizen | Yes | $2,742.74 | ||
| XXXXXXXXXXXXXX | 4000133029 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $37,672.16 | XXXXXXXXXX | 0.00% | Employed | Employed | US Citizen | US Citizen | Yes | $30,519.70 | ||
| XXXXXXXXXXXXXX | 4000127507 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Retired | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000125530 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $24,400.23 | XXXXXXXXXX | 0.00% | Retired | US Citizen | Yes | $25,783.72 | ||||
| XXXXXXXXXXXXXX | 4000123619 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 7.525% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $3,447.45 | ||
| XXXXXXXXXXXXXX | 4000122957 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000128060 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $25,962.92 | XXXXXXXXXX | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $10,889.62 | ||
| XXXXXXXXXXXXXX | 4000126369 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7,890.00 | XXXXXXXXXX | 7.344% | Employed | US Citizen | Yes | $2,994.34 | ||||
| XXXXXXXXXXXXXX | 4000126898 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $24,395.00 | XXXXXXXXXX | 6.944% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $11,165.02 | ||
| XXXXXXXXXXXXXX | 4000128057 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $47,304.70 | ||||
| XXXXXXXXXXXXXX | 4000128250 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 7.032% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $6,746.74 | ||
| XXXXXXXXXXXXXX | 4000129857 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $10,837.07 | XXXXXXXXXX | 7.526% | Retired | US Citizen | Yes | $6,351.71 | ||||
| XXXXXXXXXXXXXX | 4000131553 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11,220.00 | XXXXXXXXXX | 7.375% | Employed | US Citizen | Yes | $4,702.76 | ||||
| XXXXXXXXXXXXXX | 4000126367 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $13,324.28 | XXXXXXXXXX | 6.89% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $8,870.38 | ||
| XXXXXXXXXXXXXX | 4000134223 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000126108 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $6,670.54 | XXXXXXXXXX | 7.606% | Retired | US Citizen | Yes | $2,906.83 | ||||
| XXXXXXXXXXXXXX | 4000135823 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000127164 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000129077 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7,384.55 | XXXXXXXXXX | 0.00% | Retired | US Citizen | Yes | $3,063.14 | ||||
| XXXXXXXXXXXXXX | 4000129860 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6,455.50 | XXXXXXXXXX | 7.476% | Self-Employed | US Citizen | Yes | $2,727.32 | ||||
| XXXXXXXXXXXXXX | 4000128248 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | Yes | $10,818.60 | ||||||
| XXXXXXXXXXXXXX | 4000131548 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000128849 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000128246 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000132801 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $8,602.56 | XXXXXXXXXX | 7.826% | Not Required | US Citizen | Yes | $3,687.23 | ||||
| XXXXXXXXXXXXXX | 4000129076 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | Employed | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000131234 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000135251 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | Employed | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000128245 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $9,004.10 | ||||
| XXXXXXXXXXXXXX | 4000131721 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000130809 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $18,715.00 | XXXXXXXXXX | 7.534% | Self-Employed | US Citizen | Yes | $16,010.34 | ||||
| XXXXXXXXXXXXXX | 4000131015 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 0.00% | Employed | Employed | US Citizen | US Citizen | Yes | $7,364.65 | ||
| XXXXXXXXXXXXXX | 4000129646 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $5,595.00 | XXXXXXXXXX | 0.00% | Employed | Employed | US Citizen | US Citizen | Yes | $6,363.56 | ||
| XXXXXXXXXXXXXX | 4000126929 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8,699.78 | XXXXXXXXXX | 0.00% | Retired | Not Required | US Citizen | US Citizen | Yes | $8,654.59 | ||
| XXXXXXXXXXXXXX | 4000130807 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $4,715.44 | ||
| XXXXXXXXXXXXXX | 4000135816 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000135803 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| XXXXXXXXXXXXXX | 4000127602 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000131723 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000128077 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 7.485% | Self-Employed | Unemployed | US Citizen | US Citizen | Yes | $23,675.99 | ||
| XXXXXXXXXXXXXX | 4000131017 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000128161 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 6.392% | Employed | US Citizen | Yes | $4,432.47 | ||||
| XXXXXXXXXXXXXX | 4000135822 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000134228 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000133838 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 0.00% | Employed | US Citizen | Yes | $10,620.93 | ||||
| XXXXXXXXXXXXXX | 4000135802 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000135800 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000136045 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | Permanent Resident Alien | No | |||||||
| XXXXXXXXXXXXXX | 4000131901 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $11,599.00 | XXXXXXXXXX | 0.00% | Not Required | Self-Employed | US Citizen | US Citizen | Yes | $5,510.45 | ||
| XXXXXXXXXXXXXX | 4000132498 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11,910.81 | XXXXXXXXXX | 7.788% | Self-Employed | US Citizen | Yes | $6,945.48 | ||||
| XXXXXXXXXXXXXX | 4000132627 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7,895.00 | XXXXXXXXXX | 7.33% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $4,181.10 | ||
| XXXXXXXXXXXXXX | 4000134225 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000134035 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXXXXXX | 4000134476 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $15,723.24 | ||||
| XXXXXXXXXXXXXX | 4000135817 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | No | |||||||
| XXXXXXXXXXXXXX | 4000136266 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | XXXXXXXXXX | 0.00% | Employed | Employed | US Citizen | US Citizen | Yes | $13,317.14 |