EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.07 - Schedule 5

 

 

QM ATR Data
Run Date - 07/17/2026 5:45:44 PM
Evolve Loan ID Customer Loan ID Seller Loan ID Loan Level ATR/QM Status Verified Safe Harbor Application Date Prior to 1/10/2014 Lender Application Date GSE Eligible CDFI Indicator ATR/QM Total Points and Fees Rate Lock Date APR Borrower Employment Indicator Co Borrower Employment Indicator Borrower Foreign National Indicator Borrower Residency Source Co Borrower Foreign National Indicator Co Borrower Residency Source Residual Income to Qualify? ATR/QM Residual Income
1698264 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1698265 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   Foreign National       No  
1698266 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   Foreign National       No  
1698267 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1698268 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1698269 XXXXXXXXXXX XXXXXXXXXXX Exempt N/A No XXXXXXXXXX No Yes     0.00% Not Required   US Citizen       No  
1698270 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   Non Permanent Resident Alien ITIN IRS Letter     No  
1698271 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698272 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No   05/28/2026 0.00% Employed   US Citizen       Yes $7,349.75
1698273 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1691800 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698274 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698275 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698276 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698277 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698278 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698279 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698280 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698281 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698282 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698283 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired Retired US Citizen   Permanent Resident Alien   No  
1698284 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698285 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698286 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698287 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $19,621.55
1698288 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1694090 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698289 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698290 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698291 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698292 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698293 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698294 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698295 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698296 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698297 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698298 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698299 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698300 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698301 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Not Required Foreign National ITIN IRS Letter Foreign National   No  
1698302 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1698303 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698304 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698305 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698306 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698307 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698308 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698309 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698310 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698311 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698312 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698313 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Retired   US Citizen       Yes $5,469.11
1698314 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698315 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Not Required US Citizen   US Citizen   Yes $4,244.52
1698316 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $4,716.55
1698317 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698318 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1698319 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698320 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698321 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698322 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698323 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698324 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Retired US Citizen   US Citizen   Yes $6,765.16
1698325 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required Permanent Resident Alien   US Citizen   No  
1698326 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698327 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698328 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698329 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $46,694.46
1698330 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698331 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698332 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698333 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698334 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698335 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698336 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698337 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $2,886.66
1698338 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Employed US Citizen   US Citizen   Yes $2,454.31
1698339 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1698340 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Not Required US Citizen   US Citizen   Yes $13,270.42
1698341 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698342 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698343 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698344 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698345 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Not Required US Citizen   US Citizen   No  
1698346 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698347 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698348 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698349 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698350 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $2,748.12
1698351 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698352 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698353 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698354 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698355 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698356 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698357 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Retired US Citizen   US Citizen   Yes $5,895.58
1698358 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698359 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698360 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698361 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $24,772.06
1698362 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Not Required US Citizen   US Citizen   No  
1698364 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698365 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $14,248.76
1698366 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   No  
1698367 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698368 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698369 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698370 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698371 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       No  
1698372 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Self-Employed US Citizen   US Citizen   No  
1698373 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698374 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       Yes $38,580.52
1698375 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $4,380.95
1698376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed   US Citizen       Yes $6,663.08
1698377 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required Not Required US Citizen   US Citizen   No  
1698378 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed   US Citizen       No  
1698379 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Not Required US Citizen   US Citizen   No  
1698380 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698381 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Self-Employed Self-Employed US Citizen   US Citizen   Yes $28,276.84
1698382 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No  
1698383 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Employed Employed US Citizen   US Citizen   Yes $17,095.85
1698384 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt N/A No XXXXXXXXXX No No     0.00% Not Required   US Citizen       No