EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.05

Schedule 6. Clayton Rating Agency ATR QM Report

 

Rating Agency ATR QM Data Fields
   
Loans in Report:  60

 

Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 Lender Application Date Broker Application Date GSE Eligible QRM Flag ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Borrower 1 Citizenship Borrower 2 Citizenship Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
2138746 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) (No Data) (No Data) (No Data) 0
2138653 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7597.1 XXXXXX 8.4829 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
2138745 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138734 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2123117 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5513.29 XXXXXX 8.9344 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2125284 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11370 XXXXXX 9.3252 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 4322.52
2138666 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9884 XXXXXX 7.7477 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2138667 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 22814 XXXXXX 7.1216 Employed (No Data) U.S. Citizen (No Data) (No Data) No 5026.69
2138668 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 15819 XXXXXX 7.2897 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 13822.54
2141289 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138669 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12641.75 XXXXXX 9.4213 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2138689 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138671 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 754.15 XXXXXX 7.8856 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2138718 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138742 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138715 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138672 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5744 XXXXXX 7.909 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2138720 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138673 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11039.68 XXXXXX 9.2425 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
2138741 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2138737 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138748 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138657 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 9844 XXXXXX 6.9663 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2138705 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138740 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2138736 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
2138725 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2123136 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2123137 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138735 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138710 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138708 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.3751 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
2138691 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138675 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 4552 XXXXXX 8.7627 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2138727 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138678 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9223.45 XXXXXX 9.2957 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
2138714 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138662 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 18131.5 XXXXXX 7.01 Employed Employed Permanent Resident Alien U.S. Citizen (No Data) No 6609.98
2138663 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 5839 XXXXXX 7.3763 Employed (No Data) U.S. Citizen (No Data) (No Data) No 13924.78
2138681 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8369 XXXXXX 9.0459 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2138695 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138693 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138702 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138707 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138688 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138721 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138696 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2138682 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 9584 XXXXXX 8.014 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2141287 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138683 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 10144 XXXXXX 7.9419 Employed Retired U.S. Citizen U.S. Citizen (No Data) Yes 7102.06
2141288 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138698 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138738 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138706 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138692 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2141292 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138664 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 13123.38 XXXXXX 7.9354 Employed (No Data) U.S. Citizen (No Data) (No Data) No 12028.63
2138694 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138699 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138712 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0

 

 


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