EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.03

Schedule 6. Canopy ATR or QM Report 

 

Loan ID Investor Loan ID Seller 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 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?
2137571     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2158224     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
2137570     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2144459     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present
2144649     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
2140008     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2144460     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
2140009     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2144461     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2140010     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2158770     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present
2144463     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2144464     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2144465     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2158706     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No N/A   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 xxx       No   Yes Present
2156392     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present
2155470     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
2156379     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present
2156380     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present
2155469     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed Not Employed No No No  
2155471     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Not Employed No No No  
2155472     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present
2153210     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
2153208     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2153209     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
2153207     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2158754     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No N/A   No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No No Yes Present
2158737     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Retired No No No  
2158753     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present
2158696     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No No Yes Present
2158697     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
2158735     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present