EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.48

 

 

 

Seller Loan ID Investor Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
  2009718 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.832 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26117.19 N/A Employed Employed No No No  
  2009703 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  2009720 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  2002047 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.526 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16589.42 N/A Employed   No   No  
  1973086 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.546 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13313.92 N/A Employed Employed No No No  
  1955494 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 10.025 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22054.84 N/A Employed   No   No  
  1973090 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  1995586 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  1982681 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.52 Yes Yes N/A Yes Yes Yes N/A Yes No Yes 19602.17 N/A Employed Employed No No No  
  1996166 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  1982684 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.54 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15050.95 N/A Employed   No   No  
  2008720 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 10.186 Yes Yes N/A Yes Yes Yes N/A Yes No Yes 7830.53 N/A Employed Employed No No No  
  1996162 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  2002044 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  2002043 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
  2005317 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
  1998502 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.759 Yes Yes N/A Yes Yes Yes N/A Yes No Yes 3772.4 N/A Employed Retired No No No  
  2002042 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.153 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5331.42 N/A Employed   No   No  
  2005316 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  2002039 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
  2005315 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  2002036 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 8.052 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18527.49 N/A Employed   No   No  
  1998500 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
  2005313 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present