EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.3 - Schedule 6

 

 

Loan ID Seller Loan ID Redaction 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?
XXXX XXXX 2088490 XXXX QM: Safe Harbor Verified (V SH) QM: Safe Harbor Verified (V SH) No   No No No No No No No No No No No 445 7.976 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15326.17 Yes Employed Employed No No No  
XXXX XXXX 2088489 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2944.99 8.016 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 5876.76 N/A Employed   No   No  
XXXX XXXX 2132294 XXXX QM: Safe Harbor Verified (V SH) QM: Safe Harbor Verified (V SH) No   No No No No No No No No No No No 605 9.086 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7656.04 N/A Employed Employed No No No  
XXXX XXXX 2147740 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 445 7.984 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 8271.95 N/A Employed Employed No No No  
XXXX XXXX 2158148 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2152.5 9.434 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 9753.38 N/A Employed   No   No