EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.3 - Schedule 5

 

 

Loan ID Seller Loan ID Redaction ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Subordinate Lien 2 Type Subordinate Lien 2 Max Draw Amount (HELOC) Subordinate Lien 3 Type Subordinate Lien 3 Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name
XXXX XXXX 2088490 XXXX XXXX XXXX No XXXX XXXX 05/01/2025 5 XXXX QM: Safe Harbor Verified (V SH) Yes No Yes N/A N/A 445 09/08/2025 6.540% Manual Underwriting   No 7.976%   7.875%   XXXX No   XXXX XXXX $1,713.00 $142.75 $0.00 $0.00 $2,475.36 $5,084.56 $15,326.17 N/A     $0.00     0.00% 38.11% 38.11% No No             Employed Employed         2YR Full Doc 2 2 2+ Months 2+ Months N/A 0 N/A 0 0 0 0 0 2 2 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 227 31 FNMA 1005 Yes 102 31 Work Number No 0   N/A Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 || Co Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 XXXX XXXX XX XXXX XXXX 05/27/2025 05/27/2025 07/17/2025     738                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A XXXX 0.7 XXXX 0.7 No 54.67 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX XXXX 2088489 XXXX XXXX XXXX No XXXX XXXX 05/01/2025 5 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2944.99 09/08/2025 6.540% Manual Underwriting   No 8.016%   7.875%   XXXX No   XXXX XXXX $1,316.16 $109.68 $0.00 $0.00 $1,392.22 $3,664.15 $5,876.76 N/A     $0.00     0.00% 42.72% 42.72% No               Employed           2YR Full Doc 2   1 Month   N/A 0     0 0     2 2 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 0 32 Work Number     0   No 0   N/A Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 08/13/2025 08/13/2025       804                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 36.5 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX XXXX 2132294 XXXX XXXX XXXX No XXXX XXXX 05/01/2025 5 XXXX QM: Safe Harbor Verified (V SH) Yes No Yes Option 3 - Underwritten to Proprietary Lender Guidelines N/A 605 01/12/2026 6.170% Manual Underwriting Manual Underwriting No 9.086%   9.000% 9.000% XXXX No   XXXX XXXX $3,057.00 $254.75 $0.00 $0.00 $1,203.19 $3,518.71 $7,656.04 N/A     $0.00     0.00% 38.53% 38.53% No No             Employed Employed         2YR Full Doc 1 1 1 Month 1 Month N/A 0 N/A 0 2 0 2 0 2 2 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 24 24 Work Number Yes 42 24 Work Number No 0     Borrower - Wage, Other - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 XXXX XXXX XX XXXX XXXX 12/03/2025 12/03/2025 12/03/2025     684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 XXXX 44.9 No 58.76 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX XXXX 2147740 XXXX XXXX XXXX No XXXX XXXX 05/01/2025 5 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 445 02/23/2026 5.990% Manual Underwriting Manual Underwriting No 7.984%   7.875% 7.875% XXXX No   XXXX XXXX $2,103.96 $175.33 $0.00 $0.00 $1,881.21 $3,920.87 $8,271.95 N/A     $0.00     0.00% 37.67% 37.67% No No             Employed Employed         2YR Full Doc 2 2 1 Month 1 Month N/A 0 N/A 0 2 0 2 0 2 3 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 41 36 FNMA 1005 Yes 5 5 Work Number No 0     Borrower - Wage, Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 XXXX XXXX XX XXXX XXXX 02/03/2026 02/03/2026 02/03/2026     718                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A .00 0.0 .00 0.0 No 39.3 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX XXXX 2158148 XXXX XXXX XXXX No XXXX XXXX 05/01/2025 5 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2152.5 03/23/2026 6.220% Manual Underwriting Manual Underwriting No 9.434%   9.250% 9.250% XXXX No   XXXX XXXX $4,037.04 $336.42 $0.00 $0.00 $2,737.26 $6,424.70 $9,753.38 N/A     $0.00     0.00% 47.32% 47.32% No               Employed           2YR Full Doc 2   2+ Months   N/A 0     0 0     2 2 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 180 180 Work Number     0   No 0     Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 XXXX XXXX XX XXXX XXXX 03/09/2026 03/09/2026       689                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A .00 0.0 XXXX 6.8 No 79.43 N/A No No No Borrower As Individual N/A N/A N/A