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| QM ATR Data | ||||||||||||||||||||
| Run Date - 12/30/2025 4:32:14 PM | ||||||||||||||||||||
| Marketing ID | 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 |
| 900000979 | XX | XX | XX | Exempt | N/A | No | XX | No | 0.00% | Not Required | Not Required | US Citizen | US Citizen | No | ||||||
| 900000982 | XX | XX | XX | Exempt | N/A | No | XX | No | Yes | 06/16/2025 | 0.00% | Self-Employed | US Citizen | No |