EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.07 - Schedule 5

 

 
QM ATR Data
Run Date - 09/17/2026 8:52:07 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
1702635 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   Permanent Resident Alien       No  
1702636 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1702637 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1702638 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Employed Not Required US Citizen   US Citizen   No  
1702639 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes   XXXX 0.00% Employed Self-Employed US Citizen   US Citizen   No  
1702640 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702641 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702642 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702643 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702644 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX   No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702645 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702646 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702647 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702634 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702648 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702649 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702650 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702651 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702652 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702653 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes XXXX
1702654 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 7.966% Self-Employed   US Citizen       Yes XXXX
1702655 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $15,252.50 XXXX 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes XXXX
1702656 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Employed   US Citizen       Yes XXXX
1702657 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Not Required US Citizen   US Citizen   No  
1702658 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702659 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702660 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702661 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702662 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Not Required US Citizen   US Citizen   No  
1702663 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702664 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1702665 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes XXXX
1702666 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702667 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $38,863.20 XXXX 0.00% Employed   US Citizen       Yes XXXX
1702668 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 XXXX 0.00% Employed   US Citizen       No  
1702669 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702670 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed Not Required US Citizen   US Citizen   Yes XXXX
1702671 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702672 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702673 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes XXXX
1702674 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702675 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired Retired US Citizen   US Citizen   Yes XXXX
1702676 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702677 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702678 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702679 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702680 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702681 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702682 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702683 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702684 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702685 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   Permanent Resident Alien       Yes XXXX
1702686 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702687 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes XXXX
1702688 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702689 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,236.25 XXXX 7.538% Not Required Self-Employed US Citizen   US Citizen   Yes XXXX
1702690 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702691 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes XXXX
1702692 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   Permanent Resident Alien       No  
1702693 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 6.785% Self-Employed   US Citizen       Yes XXXX
1702694 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702695 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702696 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702858 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702697 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   Permanent Resident Alien       No  
1702698 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       Yes $0.00
1702699 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 XXXX 0.00% Employed   US Citizen       No  
1702700 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702701 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed Not Required US Citizen   US Citizen   Yes XXXX
1702702 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702703 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702704 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No   XXXX 0.00% Not Required   US Citizen       No  
1702705 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 7.698% Self-Employed Employed US Citizen   US Citizen   Yes XXXX
1702706 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702707 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702708 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702709 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $4,442.64 XXXX 7.215% Self-Employed   US Citizen       Yes XXXX
1702710 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702711 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Employed Self-Employed US Citizen   US Citizen   Yes XXXX
1702712 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702713 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702714 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702715 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702716 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702717 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702718 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1702719 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $5,757.00 XXXX 7.376% Employed   US Citizen       Yes XXXX
1702720 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes XXXX
1702721 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702722 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 7.532% Self-Employed   US Citizen       Yes XXXX
1702723 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702724 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 XXXX 0.00% Employed Retired US Citizen   US Citizen   Yes XXXX
1702725 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702726 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702727 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 7.523% Self-Employed   US Citizen       No  
1702728 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes XXXX
1702729 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 9.1464% Self-Employed   US Citizen       Yes XXXX
1702730 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702731 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702732 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702733 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $31,226.45 XXXX 0.00% Employed Employed US Citizen   US Citizen   Yes XXXX
1702734 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702735 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702736 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702737 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702738 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702739 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702740 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702741 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702742 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702743 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1702744 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 XXXX 0.00% Employed Employed US Citizen   US Citizen   Yes XXXX
1702745 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Higher Priced QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 XXXX 0.00% Employed Self-Employed US Citizen   US Citizen   Yes XXXX
1702746 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702747 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702748 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $20,197.11 XXXX 7.366% Employed Employed US Citizen   US Citizen   Yes XXXX
1702749 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702750 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702751 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Retired Retired US Citizen   US Citizen   Yes XXXX
1702752 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1702753 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1702754 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702755 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1702756 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 XXXX 0.00% Self-Employed   US Citizen       Yes XXXX
1702757 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 XXXX 7.751% Not Required Self-Employed US Citizen   US Citizen   Yes XXXX
1702758 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1702759 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 XXXX 7.517% Employed   US Citizen       Yes XXXX