MFRA NQM DEPOSITOR, LLC ABS-15G
Exhibit 99.05 - Schedule 5
| QM ATR Data |
| Run Date - 09/03/2026 9:39:19 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 |
| 1695103 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8,212.25 | 05/11/2026 | 0.00% | Employed | Employed | US Citizen | US Citizen | Yes | $9,638.01 | ||
| 1690285 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1688036 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| 1689052 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | Foreign National | Foreign National | No | |||||
| 1694505 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Employed | Employed | US Citizen | US Citizen | No | |||||
| 1690841 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | Other | No | ||||||
| 1690508 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | Other | No | ||||||
| 1691334 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $2,065.00 | 03/13/2026 | 6.841% | Self-Employed | Retired | US Citizen | US Citizen | No | |||
| 1693960 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1693961 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1694506 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1695636 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | US Citizen | No | |||||||
| 1693413 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1693773 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1687981 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 01/26/2026 | 0.00% | Not Required | US Citizen | No | ||||||
| 1694864 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | No | ||||||
| 1693166 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/24/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1690490 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $1,990.00 | 03/11/2026 | 6.867% | Employed | US Citizen | Yes | $3,253.06 | ||||
| 1688516 | XXXXXXXXX | XXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 02/02/2026 | 7.352% | Employed | US Citizen | No | |||||
| 1692641 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1690795 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1694726 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1689872 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1689459 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1689300 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | No | |||||||
| 1689367 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| 1689507 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1692629 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1692175 | XXXXXXXXX | XXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $116,457.50 | 04/02/2026 | 0.00% | Self-Employed | US Citizen | Yes | $92,509.24 | |||||
| 1695413 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1694995 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | Other | No | ||||||
| 1695133 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $1,309.37 | 05/21/2026 | 0.00% | Employed | US Citizen | Yes | $6,700.53 | ||||
| 1695192 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1694781 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1694399 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $10,005.29 | 04/27/2026 | 0.00% | Self-Employed | US Citizen | Yes | $7,983.83 | ||||
| 1689053 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1694117 | XXXXXXXXX | XXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 05/04/2026 | 7.613% | Self-Employed | Self-Employed | US Citizen | US Citizen | No | |||
| 1693970 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1694195 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1693282 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $2,031.68 | 04/06/2026 | 0.00% | Not Required | Self-Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $3,253.08 |
| 1692286 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | Other | No | ||||||
| 1689145 | XXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $9,425.43 | 02/26/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $33,973.78 | ||
| 1690120 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| 1690294 | XXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $13,744.79 | 03/13/2026 | 0.00% | Self-Employed | US Citizen | No | |||||
| 1686269 | XXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $18,844.44 | 01/16/2026 | 0.00% | Not Required | Self-Employed | US Citizen | US Citizen | Yes | $14,800.08 | ||
| 1689750 | XXXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1690656 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $30,070.59 | 02/11/2026 | 0.00% | Self-Employed | US Citizen | Yes | $27,272.83 | ||||
| 1689973 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $394.31 | 02/17/2026 | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $7,638.02 | ||
| 1694917 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $3,802.75 | 05/06/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen | US Citizen | Yes | $42,384.74 | ||
| 1695224 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $2,190.00 | 04/28/2026 | 0.00% | Self-Employed | Not Required | Permanent Resident Alien | Permanent Resident Alien | Yes | $21,177.25 | ||
| 1689996 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1693238 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| 1692166 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No |