EX-99.3 20 ea025949101_ex99-3sch6.htm SCHEDULE 6 - QM ATR REPORT

Exhibit 99.3 Schedule 6

 

   
  QM ATR Data
  Run Date - 09/25/2025 1:47:30 PM
ASF Loan Number 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
12025011645 XX XX XX Exempt N/A No 01/XX/2025 No Yes   05/29/2025 0.00% Self-Employed   US Citizen       No  
12025021662 XX XX XX Exempt N/A No 02/XX/2025 No       0.00% Not Required Not Required US Citizen   US Citizen   No  
12025030137 XX XX XX Exempt N/A No 03/XX/2025 No Yes   04/07/2025 0.00% Self-Employed   US Citizen       No  
12025030998 XX XX XX Exempt N/A No 03/XX/2025 No Yes   04/09/2025 0.00% Employed   US Citizen       No  
12025031902 XX XX XX Exempt N/A No 03/XX/2025 No       0.00% Self-Employed Not Required US Citizen   US Citizen   No  
12025032273 XX XX XX Exempt N/A No 03/XX/2025 No Yes   04/08/2025 0.00% Employed   Non Permanent Resident Alien L-1 Visa     No  
12025040201 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025040526 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025040730 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025040813 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025041152 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025041159 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025041225 XX XX XX Exempt N/A No 04/XX/2025 No Yes   04/29/2025 0.00% Self-Employed   US Citizen       No  
12025041272 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Self-Employed   Permanent Resident Alien       No  
12025041535 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025041546 XX XX XX Exempt N/A No 04/XX/2025 No Yes   04/24/2025 0.00% Self-Employed   Non Permanent Resident Alien Other     No  
12025041644 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025041667 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025041811 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   Non Permanent Resident Alien I-151 Green Card     No  
12025042242 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025042504 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025042505 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025042507 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025042509 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025042524 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025042604 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required   US Citizen       No  
12025042628 XX XX XX Exempt N/A No 04/XX/2025 No Yes   05/29/2025 0.00% Self-Employed   US Citizen       No  
12025042684 XX XX XX Exempt N/A No 04/XX/2025 No Yes   05/27/2025 0.00% Self-Employed   US Citizen       No  
12025042771 XX XX XX Exempt N/A No 04/XX/2025 No       0.00% Not Required Not Required US Citizen   US Citizen   No  
12025050112 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required Self-Employed US Citizen   US Citizen   No  
12025050190 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025050218 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Self-Employed   US Citizen       No  
12025050380 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025050433 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025050466 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025050477 XX XX XX Exempt N/A No 06/XX/2025 No Yes   06/03/2025 0.00% Self-Employed   US Citizen       No  
12025050491 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/21/2025 0.00% Self-Employed   US Citizen       No  
12025050528 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025050545 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025050571 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/07/2025 0.00% Self-Employed   Non Permanent Resident Alien I-151 Green Card     No  
12025050603 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025050632 XX XX XX Exempt N/A No 05/XX/2025 No Yes   06/12/2025 0.00% Self-Employed   Permanent Resident Alien       No  
12025050698 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025050710 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/21/2025 0.00% Self-Employed Employed US Citizen   US Citizen   Yes $10,209.55
12025050794 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/08/2025 0.00% Self-Employed   US Citizen       No  
12025050879 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   Permanent Resident Alien       No  
12025050903 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/09/2025 0.00% Self-Employed   US Citizen       No  
12025051025 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025051338 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   Non Permanent Resident Alien Other     No  
12025051441 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required Not Required US Citizen   US Citizen   No  
12025051523 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/21/2025 0.00% Self-Employed   US Citizen       No  
12025051533 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025051558 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/20/2025 0.00% Employed   US Citizen       No  
12025051570 XX XX XX Exempt N/A No 05/XX/2025 No Yes   06/09/2025 0.00% Self-Employed   US Citizen       No  
12025051575 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/16/2025 0.00% Self-Employed   US Citizen       No  
12025051679 XX XX XX Exempt N/A No 05/XX/2025 No Yes     0.00% Self-Employed Self-Employed US Citizen   US Citizen   No  
12025051694 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025051708 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/20/2025 0.00% Self-Employed   US Citizen       No  
12025051737 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025051780 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025051829 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025051830 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/20/2025 0.00% Self-Employed   Non Permanent Resident Alien ITIN Card     No  
12025051843 XX XX XX Exempt N/A No 05/XX/2025 No Yes   06/16/2025 0.00% Self-Employed   US Citizen       No  
12025051908 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   Non Permanent Resident Alien Other     No  
12025051938 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/21/2025 0.00% Employed Self-Employed US Citizen   US Citizen   No  
12025051991 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/28/2025 0.00% Self-Employed   US Citizen       No  
12025052062 XX XX XX Exempt N/A No 05/XX/2025 No Yes   06/18/2025 0.00% Self-Employed   US Citizen       No  
12025052163 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025052166 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/23/2025 0.00% Self-Employed   US Citizen       No  
12025052169 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025052191 XX XX XX Exempt N/A No 05/XX/2025 No Yes   05/27/2025 0.00% Self-Employed   US Citizen       No  
12025052195 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required Not Required US Citizen   US Citizen   No  
12025052206 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025052265 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025052304 XX XX XX Exempt N/A No 05/XX/2025 No Yes   06/20/2025 0.00% Self-Employed   Permanent Resident Alien       No  
12025052398 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Employed   US Citizen       No  
12025052452 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025052639 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Not Required   US Citizen       No  
12025052697 XX XX XX Exempt N/A No 05/XX/2025 No       0.00% Self-Employed   US Citizen       No  
12025060063 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060154 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060198 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060317 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060388 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060395 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060412 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Self-Employed   US Citizen       No  
12025060431 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060503 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060625 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Employed   Permanent Resident Alien       No  
12025060632 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   Permanent Resident Alien       No  
12025060695 XX XX XX Exempt N/A No 06/XX/2025 No Yes   06/30/2025 0.00% Self-Employed   US Citizen       No  
12025060768 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Self-Employed   US Citizen       No  
12025060792 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   US Citizen       No  
12025060832 XX XX XX Exempt N/A No 06/XX/2025 No Yes   06/10/2025 0.00% Employed Employed US Citizen   US Citizen   No  
12025060833 XX XX XX Exempt N/A No 06/XX/2025 No Yes   06/13/2025 0.00% Self-Employed   US Citizen       No  
12025061004 XX XX XX Exempt N/A No 06/XX/2025 No Yes   06/16/2025 0.00% Self-Employed   Foreign National       No  
12025061137 XX XX XX Exempt N/A No 06/XX/2025 No Yes   06/18/2025 0.00% Self-Employed   US Citizen       No  
12025061193 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Self-Employed   Permanent Resident Alien       No  
12025062098 XX XX XX Exempt N/A No 06/XX/2025 No       0.00% Not Required   Foreign National Other     No  
400093763 XX XX XX Exempt N/A No 11/XX/2024 No No     0.00% Not Required   US Citizen       No