EX-99.72 73 ex99-72.htm EVOLVE QM ATR DATA REPORT

 

MFA 2024-NQM1 Trust ABS-15G

EXHIBIT 99.72

 

 

QM ATR Data
Run Date - 03/21/2024 7:38:04 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 ATR/QM Total Points and Fees Rate Lock Date APR Borrower Employment Indicator Co Borrower Employment Indicator Borrower Foreign National Indicator Co Borrower Foreign National Indicator Residual Income to Qualify? ATR/QM Residual Income
1613369 XXXX XXXX Non-QM N/A No XXXXX   $15,864.09 12/12/2023 9.619% Self-Employed Unemployed US Citizen US Citizen Yes $57,281.64
1611064 XXXX XXXXXX Exempt N/A No XXXXX No     0.00% Self-Employed   US Citizen   Yes $9,672.82
1611633 XXXX XXXXX Exempt N/A No XXXXX No     0.00% Not Required   Non Permanent Resident Alien   No  
1612820 XXXX XXXXX Exempt N/A No XXXXX No     0.00% Not Required   US Citizen   No  
1613312 XXXX XXXXX Non-QM N/A No XXXXX   $17,963.38 01/10/2024 9.947% Self-Employed   US Citizen   Yes $67,735.77
1613827 XXXX XXXXX Non-QM N/A No XXXXX No $0.00 01/09/2024 9.893% Self-Employed   US Citizen   Yes $11,328.31
1472716 XXXX XXXX Non-QM N/A No XXXXX No $0.00 05/08/2023 10.396% Self-Employed   US Citizen   No  
1610793 XXXX XXXX Non-QM N/A No XXXXX No $13,651.25 10/11/2023 11.485% Self-Employed   US Citizen   No  
1612903 XXXXX XXXXX Exempt N/A No XXXXX No     0.00% Not Required   Non Permanent Resident Alien   No  
1611118 XXXX XXXX Non-QM N/A No XXXXX No $0.00 08/30/2023 11.883% Self-Employed   US Citizen   No  
1611408 XXXX XXXX Non-QM N/A No XXXXX No $0.00 10/26/2023 9.854% Employed Employed US Citizen US Citizen No  
1612299 XXXX XXXX Non-QM N/A No XXXXX No $2,787.50 10/31/2023 10.48% Self-Employed Self-Employed US Citizen Permanent Resident Alien No  
1610966 XXXX XXXX Exempt N/A No XXXXX No     0.00% Not Required   Non Permanent Resident Alien   No  
1610848 XXXX XXXX Non-QM N/A No XXXXX No $0.00 10/12/2023 8.165% Self-Employed   US Citizen   No  
1612114 XXXX XXXX Non-QM N/A No XXXXX No $15,970.00 10/10/2023 10.536% Self-Employed   US Citizen   No  
1611122 XXXX XXXX Exempt N/A No XXXXX No     0.00% Not Required   Non Permanent Resident Alien   No  
1613372 XXXX XXXXX Non-QM N/A No XXXXX   $12,555.00 12/18/2023 10.85% Self-Employed Employed Non Permanent Resident Alien Non Permanent Resident Alien No  
1611123 XXXX XXXX Exempt N/A No XXXXX No     0.00% Not Required   US Citizen   No  
1610849 XXXX XXXX Non-QM N/A No XXXXX No $3,890.00 10/23/2023 10.851% Self-Employed   US Citizen   No  
1611124 XXXX XXXX Non-QM N/A No XXXXX No $8,690.00 10/24/2023 11.267% Self-Employed Unemployed US Citizen US Citizen No  
1612215 XXXX XXXX Non-QM N/A No XXXXX No $9,290.00 12/06/2023 10.859% Self-Employed   US Citizen   No  
1611531 XXXX XXXX Non-QM N/A No XXXXX No $11,139.00 11/08/2023 10.089% Self-Employed   US Citizen   No  
1611412 XXXX XXXX Non-QM N/A No XXXXX No $18,633.75 10/24/2023 8.171% Self-Employed Self-Employed US Citizen US Citizen No  
1612300 XXXX XXXX Non-QM N/A No XXXXX No $6,475.00 11/13/2023 11.258% Self-Employed   US Citizen   No  
1611647 XXXX XXXX Non-QM N/A No XXXXX No $13,457.01 11/06/2023 8.635% Self-Employed Unemployed US Citizen US Citizen No  
1610647 XXXX XXXX Non-QM N/A No XXXXX No $5,127.50 10/30/2023 11.184% Self-Employed   US Citizen   Yes $9,489.03
1611648 XXXX XXXX Non-QM N/A No XXXXX No $0.00 11/07/2023 8.256% Employed Unemployed US Citizen US Citizen No  
1612535 XXXX XXXX Non-QM N/A No XXXXX No $0.00 12/07/2023 11.04% Employed Self-Employed US Citizen US Citizen No  
1612526 XXXXX XXXXX Exempt N/A No XXXXX No     0.00% Not Required   Permanent Resident Alien   No  
1613310 XXXX XXXX Non-QM N/A No XXXXX No $10,712.80 12/19/2023 9.093% Self-Employed   US Citizen   Yes $7,141.92
1610941 XXXX XXXXX Non-QM N/A No XXXXX No $0.00 10/20/2023 9.82% Self-Employed   US Citizen   Yes $68,393.44
1611844 XXXX XXXXX Non-QM N/A No XXXXX No $5,497.00 10/19/2023 10.062% Self-Employed   US Citizen   Yes $3,587.14
1613308 XXXX XXXXX Non-QM N/A No XXXXX   $8,903.30 12/07/2023 9.27% Self-Employed   US Citizen   Yes $2,707.35
1613501 XXXX XXXX Exempt N/A No XXXXX No     0.00% Self-Employed   US Citizen   No  
1613765 XXXX XXXXX Exempt N/A No XXXXX No     0.00% Not Required   Non Permanent Resident Alien   No  
1611354 XXXX XXXXXX Non-QM N/A No XXXXX No $55,554.95 10/25/2023 9.441% Self-Employed   US Citizen   No  
1610625 XXXX XXXXX Non-QM N/A No XXXXX No $11,471.25 10/05/2023 10.997% Employed   US Citizen   Yes $10,151.15
1611322 XXXX XXXXX Non-QM N/A No XXXXX No $0.00 10/26/2023 9.163% Retired Self-Employed US Citizen US Citizen Yes $6,228.01
1612392 XXXX XXXXX Exempt N/A No XXXXX No     0.00% Self-Employed   US Citizen   No  
1275132 XXXX XXXX Non-QM N/A No XXXXX   $2,820.00 08/20/2021 5.146% Employed   US Citizen   No