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 |