EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.07 - Schedule 5

 

 

QM ATR Data
Run Date - 10/16/2026 2:44:15 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
1704716 XXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1705188 XXXXXXXXXXX XXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required Not Required US Citizen   US Citizen   No  
1705189 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705190 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705191 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/24/2026 0.00% Not Required Self-Employed US Citizen   US Citizen   Yes $8,704.51
1703163 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705192 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $5,886.29
1705193 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $5,921.47
1705194 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1703166 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1705195 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/31/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $4,865.76
1705196 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705197 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1703187 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed Foreign National   Foreign National   No  
1705198 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired Employed US Citizen   US Citizen   No  
1705199 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1703194 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/25/2026 0.00% Self-Employed   US Citizen       Yes $4,157.52
1705200 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705201 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705202 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705203 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1705204 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
1705205 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1705206 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $10,345.96 07/31/2026 0.00% Self-Employed   US Citizen       No  
1705207 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/04/2026 0.00% Self-Employed   US Citizen       Yes $15,837.32
1705208 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1705209 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705210 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,285.70 08/24/2026 7.809% Self-Employed Not Required US Citizen   US Citizen   Yes $4,394.31
1703282 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/20/2026 0.00% Employed Employed US Citizen   US Citizen   Yes $12,313.39
1705211 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705212 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1705213 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1703304 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired   US Citizen       No  
1703305 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired   US Citizen       Yes $33,189.87
1705214 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705215 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1705216 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705217 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1705218 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705219 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1705220 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705221 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $11,223.01 08/27/2026 0.00% Employed Retired US Citizen   US Citizen   Yes $4,446.26
1705222 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/24/2026 7.346% Self-Employed   US Citizen       Yes $9,718.01
1705223 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Employed US Citizen   US Citizen   Yes $8,302.52
1705224 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1705225 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/25/2026 7.863% Self-Employed   US Citizen       Yes $5,011.89
1705226 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1705227 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/24/2026 0.00% Self-Employed   US Citizen       Yes $6,998.68
1705228 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/28/2026 0.00% Employed Retired US Citizen   Permanent Resident Alien   Yes $5,902.47
1703331 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/20/2026 0.00% Employed Self-Employed US Citizen   US Citizen   Yes $4,562.97
1705229 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1703335 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/19/2026 0.00% Self-Employed   US Citizen       Yes $10,938.31
1705230 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1705232 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/26/2026 0.00% Employed   US Citizen       Yes $3,144.99
1705233 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705234 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705235 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $23,864.14 08/26/2026 0.00% Self-Employed   US Citizen       Yes $8,295.88
1705236 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1705237 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/18/2026 0.00% Self-Employed   US Citizen       Yes $8,715.98
1704303 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/19/2026 0.00% Employed Retired US Citizen   US Citizen   Yes $7,146.68
1705238 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $4,856.88 08/24/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $10,183.55
1705239 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No   08/17/2026 0.00% Self-Employed Employed US Citizen   US Citizen   No  
1705240 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/18/2026 0.00% Employed Self-Employed US Citizen   US Citizen   Yes $7,765.65
1705241 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1703348 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $6,874.66
1703349 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1703351 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/21/2026 0.00% Employed   US Citizen       Yes $4,738.38
1705242 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705243 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705244 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1703353 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/16/2026 0.00% Employed Employed US Citizen   US Citizen   Yes $12,985.91
1703360 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/24/2026 0.00% Self-Employed   US Citizen       Yes $3,627.50
1705245 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $10,805.17
1705246 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/11/2026 0.00% Self-Employed   US Citizen       No  
1705247 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705248 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1705249 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/24/2026 0.00% Self-Employed   US Citizen       Yes $7,272.97
1705250 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705251 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705252 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705253 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705254 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705255 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705256 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705257 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705258 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,935.19 08/21/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $5,182.96
1703369 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/26/2026 7.377% Self-Employed Retired US Citizen   US Citizen   Yes $11,400.95
1703370 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/20/2026 0.00% Employed   US Citizen       Yes $29,623.22
1705259 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/18/2026 0.00% Employed   US Citizen       Yes $6,304.57
1705260 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705186 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705187 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705261 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1703372 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Higher Priced QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/21/2026 8.595% Employed Employed US Citizen   US Citizen   Yes $7,460.64
1705262 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,951.60 09/09/2026 7.972% Self-Employed   US Citizen       Yes $14,631.05
1705263 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 07/27/2026 0.00% Self-Employed Not Required US Citizen   US Citizen   Yes $1,976.81
1705264 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/24/2026 0.00% Self-Employed   US Citizen       Yes $11,831.55
1705265 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/31/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $3,548.07
1705266 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/05/2026 7.408% Self-Employed   US Citizen       Yes $11,362.35
1705267 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $17,225.67 08/24/2026 7.435% Employed Employed US Citizen   US Citizen   Yes $6,233.32
1703376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1703377 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/21/2026 0.00% Retired   US Citizen       Yes $5,748.86
1703378 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   Permanent Resident Alien       Yes $13,524.24
1705268 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705269 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX   No $0.00 08/14/2026 9.051% Self-Employed   Permanent Resident Alien       Yes $6,229.47
1705270 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Unemployed Employed US Citizen   US Citizen   Yes $2,430.52
1705271 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705272 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705273 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705274 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/24/2026 8.314% Self-Employed   US Citizen       Yes $7,894.19
1705275 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705276 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/27/2026 7.67% Retired Retired US Citizen   US Citizen   Yes $14,208.58
1703385 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1703386 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,720.00 08/21/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $3,605.35
1705277 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $10,029.34 09/01/2026 7.762% Employed   US Citizen       Yes $4,917.12
1705278 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1703387 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/17/2026 0.00% Employed Retired US Citizen   US Citizen   Yes $3,720.52
1705279 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       Yes $7,414.55
1705280 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705281 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/22/2026 7.847% Employed   US Citizen       Yes $7,615.51
1703389 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/18/2026 0.00% Self-Employed   US Citizen       Yes $6,288.33
1703390 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/20/2026 7.298% Employed Unemployed US Citizen   US Citizen   Yes $7,450.95
1705282 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705283 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705284 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705285 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705286 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705287 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/03/2026 8.206% Self-Employed Self-Employed US Citizen   US Citizen   Yes $14,804.11
1705288 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1703392 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Higher Priced QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/21/2026 0.00% Employed Employed US Citizen   US Citizen   Yes $16,063.95
1705289 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $6,130.45
1705290 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705291 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/14/2026 0.00% Self-Employed Retired US Citizen   US Citizen   Yes $8,508.09
1705292 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705293 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 09/01/2026 7.819% Retired Retired US Citizen   US Citizen   Yes $4,713.79
1705294 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $17,461.61
1705295 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/26/2026 7.566% Self-Employed   US Citizen       Yes $6,907.67
1705296 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/19/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $5,577.05
1705297 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/28/2026 0.00% Employed Self-Employed US Citizen   Permanent Resident Alien   Yes $9,894.06
1705298 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $7,652.62
1705299 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705300 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705301 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/25/2026 0.00% Self-Employed   US Citizen       Yes $2,762.49
1705302 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $8,551.27
1705303 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/04/2026 0.00% Self-Employed   US Citizen       Yes $7,305.32
1705304 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/26/2026 7.293% Retired   US Citizen       No  
1705305 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1705306 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $8,885.77
1703396 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/19/2026 0.00% Self-Employed   US Citizen       Yes $3,028.36
1705307 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/04/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $5,291.85
1703397 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/21/2026 0.00% Self-Employed   US Citizen       No  
1705308 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $31,486.34
1705309 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $12,080.05
1705310 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $6,838.93
1705311 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $13,392.51 08/27/2026 0.00% Self-Employed Not Required US Citizen   US Citizen   Yes $27,319.09
1705312 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705313 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required Permanent Resident Alien   US Citizen   No  
1705314 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Employed US Citizen   US Citizen   Yes $37,850.54
1705315 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/06/2026 0.00% Retired Retired US Citizen   US Citizen   No  
1703399 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/26/2026 0.00% Employed   US Citizen       Yes $5,924.85
1705316 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705317 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/28/2026 0.00% Self-Employed Unemployed US Citizen   US Citizen   Yes $16,866.19
1703400 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   Foreign National       No  
1705318 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705319 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/31/2026 0.00% Retired   US Citizen       Yes $2,097.20
1705320 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $8,595.77 09/15/2026 7.433% Employed   US Citizen       Yes $3,825.24
1705321 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 08/26/2026 7.423% Self-Employed Unemployed US Citizen   US Citizen   Yes $33,558.47
1705322 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705323 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705324 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/24/2026 0.00% Self-Employed Retired US Citizen   US Citizen   Yes $5,049.98
1705325 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $9,695.54
1705326 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/14/2026 0.00% Employed Employed US Citizen   US Citizen   Yes $15,942.49
1705327 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $18,865.47 09/09/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $9,416.06
1705328 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,621.10 09/14/2026 7.275% Employed   US Citizen       Yes $2,932.41
1705329 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 09/08/2026 0.00% Employed Not Required US Citizen   US Citizen   Yes $1,987.78
1705330 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/15/2026 0.00% Self-Employed   US Citizen       Yes $38,618.95
1705331 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705332 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   Permanent Resident Alien       Yes $11,778.86
1705333 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/04/2026 7.50% Self-Employed   US Citizen       Yes $22,480.33
1705334 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $5,496.85 08/31/2026 0.00% Self-Employed   US Citizen       Yes $2,002.57
1705335 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1705336 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705337 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/31/2026 0.00% Self-Employed   US Citizen       Yes $8,131.00
1705338 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705339 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/17/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $3,524.96
1705340 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705341 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/12/2026 0.00% Self-Employed   US Citizen       Yes $8,161.92
1705342 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Higher Priced QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 09/04/2026 0.00% Employed Employed US Citizen   US Citizen   Yes $8,895.89
1705343 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/09/2026 0.00% Self-Employed   US Citizen       Yes $6,945.72
1705344 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Retired US Citizen   US Citizen   Yes $6,183.02
1703403 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   Permanent Resident Alien       No  
1705345 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/31/2026 0.00% Self-Employed   US Citizen       Yes $19,008.04
1705346 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705347 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/08/2026 7.663% Employed   US Citizen       Yes $13,536.89
1705348 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $6,541.84 09/04/2026 7.483% Self-Employed   US Citizen       Yes $9,328.06
1705349 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 09/14/2026 7.534% Retired Self-Employed US Citizen   US Citizen   Yes $11,193.39
1705350 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/25/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $6,539.84
1705351 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/01/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $19,374.10
1705352 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/28/2026 0.00% Self-Employed   US Citizen       Yes $10,165.10
1705353 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,800.60 09/22/2026 0.00% Self-Employed   US Citizen       Yes $10,479.53
1705354 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $8,202.51 08/31/2026 0.00% Self-Employed   Permanent Resident Alien       Yes $2,877.34
1705355 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/31/2026 0.00% Self-Employed   US Citizen       Yes $3,685.02
1705356 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/28/2026 0.00% Employed   US Citizen       Yes $3,294.02
1705357 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/28/2026 0.00% Self-Employed Not Required US Citizen   US Citizen   Yes $33,389.88
1705358 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705359 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/11/2026 7.468% Self-Employed   US Citizen       Yes $22,863.57
1705360 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $15,272.93 09/16/2026 0.00% Employed   US Citizen       No  
1705361 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705362 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1705363 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1705364 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1705365 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705366 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   Permanent Resident Alien       No  
1705367 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 09/14/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $16,252.99
1705368 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/08/2026 7.823% Self-Employed   US Citizen       Yes $23,805.75
1705369 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705370 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 09/02/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $4,495.31
1705371 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 08/21/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $8,047.93
1705372 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $6,200.16 09/16/2026 0.00% Retired Retired US Citizen   US Citizen   Yes $5,222.44
1705373 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705374 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $13,108.56 09/11/2026 0.00% Self-Employed   US Citizen       No  
1705375 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Safe Harbor QM (APOR) Not Provided No XXXXXXXXXX No No $0.00 09/21/2026 7.191% Employed Employed US Citizen   US Citizen   Yes $14,948.56
1705377 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/11/2026 7.176% Self-Employed   US Citizen       Yes $6,561.32
1705378 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/09/2026 7.702% Employed Self-Employed US Citizen   US Citizen   Yes $9,289.62
1705379 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705380 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $7,207.58 09/18/2026 0.00% Self-Employed   US Citizen       Yes $3,666.85
1705381 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $0.00 09/17/2026 0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $6,407.50
1705382 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705383 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1705384 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1705385 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM N/A No XXXXXXXXXX No No $12,944.00 09/21/2026 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $27,359.81