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| QM ATR Data | |||||||||||||||||||
| Run Date - 09/02/2026 9:12:27 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 |
| XXXXXXXXXX | 6000078993 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Foreign National | No | |||||||
| XXXXXXXXXX | 4000102573 | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000138583 | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000136847 | XXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8,802.50 | XXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $5,050.02 | ||||
| XXXXXXXXXX | 4000137775 | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000134899 | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $19,992.50 | XXXXXXXX | 0.00% | Self-Employed | Not Required | US Citizen | US Citizen | Yes | $9,026.97 | ||
| XXXXXXXXXX | 4000135549 | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000137603 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000133039 | XXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $1,975.00 | XXXXXXXX | 0.00% | Self-Employed | US Citizen | Yes | $10,529.62 | ||||
| XXXXXXXXXX | 4000105670 | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $1,950.00 | XXXXXXXX | 6.929% | Self-Employed | US Citizen | Yes | $27,295.66 | ||||
| XXXXXXXXXX | 4000137575 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Non Permanent Resident Alien | E-2 Visa | No | ||||||
| XXXXXXXXXX | 4000134642 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | US Citizen | No | |||||||
| XXXXXXXXXX | 4000123464 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Self-Employed | Permanent Resident Alien | No | |||||||
| XXXXXXXXXX | 4000133400 | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Permanent Resident Alien | No | |||||||
| XXXXXXXXXX | 4000095115 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXX | 4000101011 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXX | 4000108966 | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | |||||
| XXXXXXXXXX | 4000108776 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $15,419.86 | XXXXXXXX | 0.00% | Self-Employed | Employed | US Citizen | US Citizen | Yes | $15,675.13 | ||
| XXXXXXXXXX | 4000109665 | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8,401.25 | XXXXXXXX | 0.00% | Retired | Retired | US Citizen | US Citizen | Yes | $4,364.04 |