EFMT DEPOSITOR LLC abs-15g

Exhibit 99.06 - Schedule 3

 

Loan ID 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?
XXXXX   2123064 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No Yes No No No Not Tested 0 7.59 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed Not Employed Yes Yes Yes Present
XXXXX   2120672 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 7.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Employed No No No  
XXXXX   2120677 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 7.831 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2117062 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No Yes No No No Not Tested 0 7.738 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed Not Employed Yes Yes Yes Present
XXXXX   2117067 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
XXXXX   2136838 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
XXXXX   2128045 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         Yes Yes Yes Present
XXXXX   2123076 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 8.126 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Employed No No No  
XXXXX   2126834 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No Yes No No No Not Tested 0 7.791 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed   Yes   Yes Present
XXXXX   2128049 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 7.802 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Employed No No No  
XXXXX   2123071 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 7.694 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2136845 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
XXXXX   2136842 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 6.767 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2137564 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
XXXXX   2137556 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No No No No No Yes No No No Not Tested 0 7.082 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed Employed No No Yes Present
XXXXX   2151720 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         Yes   Yes Present
XXXXX   2137555 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
XXXXX   2137561 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 6.566 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2137566 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
XXXXX   2151732 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No Yes No No No Not Tested 0 8.364 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed   Yes   Yes Present
XXXXX   2136841 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 7.492 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2151723 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
XXXXX   2137565 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 7.663 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2136846 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No Yes No No No Not Tested 0 7.414 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed Not Employed Yes Yes Yes Present
XXXXX   2137562 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 7.045 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2136848 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 7.024 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2151721 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 No Yes Present
XXXXX   2151722 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 No Yes Present
XXXXX   2151731 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 7.684 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Employed No No No  
XXXXX   2151726 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
XXXXX   2151728 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 7.356 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Employed No No No  
XXXXX   2151725 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 7.634 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
XXXXX   2151730 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
XXXXX   2151727 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
XXXXX   2151729 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