EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.08

Schedule 3. Opus ATR or QM Report

 

ALT ID 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?
2126835 XXXXXXX   XXXXXXX 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 7.183 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed   No   Yes Present
2136840 XXXXXXX   XXXXXXX 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
2132467 XXXXXXX   XXXXXXX 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
2136847 XXXXXXX   XXXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 7.014 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed   No   Yes Present
2137557 XXXXXXX   XXXXXXX 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
2140032 XXXXXXX   XXXXXXX 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
2140029 XXXXXXX   XXXXXXX 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
2140033 XXXXXXX   XXXXXXX 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 7.06 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed   No   Yes Present
2140031 XXXXXXX   XXXXXXX 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 8.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2140034 XXXXXXX   XXXXXXX 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 6.782 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed   No   Yes Present
2140036 XXXXXXX   XXXXXXX 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
2140035 XXXXXXX   XXXXXXX 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
2140030 XXXXXXX   XXXXXXX 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
2142309 XXXXXXX   XXXXXXX 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 6.592 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2142306 XXXXXXX   XXXXXXX 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 7.592 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Retired No No No  
2142311 XXXXXXX   XXXXXXX 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 6.599 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Employed No No No  
2142308 XXXXXXX   XXXXXXX 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 7.178 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2142310 XXXXXXX   XXXXXXX 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 7.259 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2142307 XXXXXXX   XXXXXXX 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 7.224 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2142312 XXXXXXX   XXXXXXX 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 7.061 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2144650 XXXXXXX   XXXXXXX 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
2144653 XXXXXXX   XXXXXXX 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
2144661 XXXXXXX   XXXXXXX 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 7.835 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2144654 XXXXXXX   XXXXXXX 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
2144660 XXXXXXX   XXXXXXX 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 6.844 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXX N/A Employed   No   Yes Present
2144651 XXXXXXX   XXXXXXX 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 8.086 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   Yes   No  
2144657 XXXXXXX   XXXXXXX 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
2144658 XXXXXXX   XXXXXXX 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
2144655 XXXXXXX   XXXXXXX 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 6.916 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Employed No No No  
2144652 XXXXXXX   XXXXXXX 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
2144659 XXXXXXX   XXXXXXX 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 7.004 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Not Employed No No No  
2144662 XXXXXXX   XXXXXXX 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
2144663 XXXXXXX   XXXXXXX 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 7.765 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   Yes   No  
2144656 XXXXXXX   XXXXXXX 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 7.971 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2151724 XXXXXXX   XXXXXXX 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
2153540 XXXXXXX   XXXXXXX 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
2153549 XXXXXXX   XXXXXXX 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 7.32 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Not Employed No No No  
2153542 XXXXXXX   XXXXXXX 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
2153544 XXXXXXX   XXXXXXX 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 5.968 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2153553 XXXXXXX   XXXXXXX 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 7.832 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2153543 XXXXXXX   XXXXXXX 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 7.294 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   Yes   No  
2153545 XXXXXXX   XXXXXXX 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 7.569 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2153550 XXXXXXX   XXXXXXX 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 7.134 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Not Employed No No No  
2153555 XXXXXXX   XXXXXXX 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
2153539 XXXXXXX   XXXXXXX 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 7.823 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2153554 XXXXXXX   XXXXXXX 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 7.141 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2153547 XXXXXXX   XXXXXXX 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 7.509 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed Employed No No No  
2153548 XXXXXXX   XXXXXXX 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 6.913 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2155674 XXXXXXX   XXXXXXX 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 7.735 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2155676 XXXXXXX   XXXXXXX 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
2155673 XXXXXXX   XXXXXXX 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 7.2 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2155678 XXXXXXX   XXXXXXX 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 8.742 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2155679 XXXXXXX   XXXXXXX 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 8.009 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No  
2155675 XXXXXXX   XXXXXXX 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 7.271 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXXX N/A Employed   No   No