EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.09 - Schedule 3

 

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?
2161576 XXXXXXX   XXXXXX 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
2169370 XXXXXXX   XXXXXX 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 No Yes Present
2169369 XXXXXXX   XXXXXX 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
2161587 XXXXXXX   XXXXXX 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 7.607 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXXX N/A Employed   Yes   Yes Present
2161584 XXXXXXX   XXXXXX 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
2161586 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes Not Tested No No No Yes No No No Not Tested 0 9.043 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXXX N/A Employed Employed Yes Yes Yes Present
2163719 XXXXXXX   XXXXXX 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
2161578 XXXXXXX   XXXXXX 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
2161583 XXXXXXX   XXXXXX 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
2161585 XXXXXXX   XXXXXX 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
2163720 XXXXXXX   XXXXXX 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
2173102 XXXXXXX   XXXXXX 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
2163717 XXXXXXX   XXXXXX 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
2163724 XXXXXXX   XXXXXX 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
2177499 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: CDFI Lender Exempt Yes     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
2175473 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: CDFI Lender Exempt Yes     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
2175459 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: CDFI Lender Exempt Yes     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
2173569 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: CDFI Lender Exempt Yes     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
2177473 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: CDFI Lender Exempt Yes     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
2165608 XXXXXXX   XXXXXX 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 No Yes Present
2165610 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No Yes Yes No No No Not Tested 0 7.619 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXXX N/A Not Employed   No   Yes Present
2165603 XXXXXXX   XXXXXX 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
2165605 XXXXXXX   XXXXXX 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 7.484 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXXX N/A Employed   Yes   Yes Present
2165604 XXXXXXX   XXXXXX 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
2165601 XXXXXXX   XXXXXX 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
2165611 XXXXXXX   XXXXXX 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
2177479 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: CDFI Lender Exempt Yes     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
2167196 XXXXXXX   XXXXXX 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
2167200 XXXXXXX   XXXXXX 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 7.249 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXXX N/A Employed Not Employed No No Yes Present
2167201 XXXXXXX   XXXXXX 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
2167202 XXXXXXX   XXXXXX 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
2173100 XXXXXXX   XXXXXX 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
2173098 XXXXXXX   XXXXXX 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
2173099 XXXXXXX   XXXXXX 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
2173109 XXXXXXX   XXXXXX 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
2173101 XXXXXXX   XXXXXX 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
2173111 XXXXXXX   XXXXXX 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         Yes   Yes Present
2173108 XXXXXXX   XXXXXX 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
2173106 XXXXXXX   XXXXXX 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
2173112 XXXXXXX   XXXXXX 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         Yes   Yes Present
2173103 XXXXXXX   XXXXXX 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
2173096 XXXXXXX   XXXXXX 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
2177301 XXXXXXX   XXXXXX 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 7.5 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXXX N/A Employed   No   Yes Present
2175204 XXXXXXX   XXXXXX 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         Yes   Yes Present
2175205 XXXXXXX   XXXXXX 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
2175210 XXXXXXX   XXXXXX 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
2175202 XXXXXXX   XXXXXX 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
2177303 XXXXXXX   XXXXXX 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
2175208 XXXXXXX   XXXXXX 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 7.962 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXXX N/A Employed   Yes   Yes Present
2177309 XXXXXXX   XXXXXX 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
2177306 XXXXXXX   XXXXXX 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
2177308 XXXXXXX   XXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes Not Tested No No No Yes No No No Not Tested 0 8.057 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXXXX N/A Employed Not Employed No No Yes Present
2177307 XXXXXXX   XXXXXX 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