EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.05 - Schedule 6

 

Rating Agency ATR QM Data Fields
   
Loans in Report:  39

 

Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 Lender Application Date Broker Application Date GSE Eligible QRM Flag ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Borrower 1 Citizenship Borrower 2 Citizenship Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
2138653 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7597.1 XXXXXX 8.4829 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
2125285 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 14207.75 XXXXXX 8.2518 Employed (No Data) U.S. Citizen (No Data) (No Data) No 6551.17
2138670 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 13744 XXXXXX 7.449 Employed (No Data) U.S. Citizen (No Data) (No Data) No 6238.64
2138659 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 18303.79 XXXXXX 7.5364 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2177027 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138685 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) 0
2138679 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10494 XXXXXX 7.6554 Employed Employed Permanent Resident Alien Permanent Resident Alien (No Data) No 3800.85
2138680 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 20389 XXXXXX 6.6776 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
2138726 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2138731 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138684 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 12994 XXXXXX 7.3348 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
2176990 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
2177022 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176996 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176978 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 31969 XXXXXX 7.892 Employed (No Data) U.S. Citizen (No Data) (No Data) No 30599.08
2176989 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2177031 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Employed U.S. Citizen Permanent Resident Alien (No Data) (No Data) 0
2177032 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Employed (No Data) Permanent Resident Alien (No Data) (No Data) 0
2177007 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2176986 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2176974 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176987 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2177010 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2177012 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176976 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11580.84 XXXXXX 7.2304 Employed (No Data) U.S. Citizen (No Data) (No Data) No 9490.9
2177023 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) Non-Resident Alien (No Data) (No Data) 0
2177015 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176988 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2176977 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 5430 XXXXXX 7.6369 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2176981 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15386 XXXXXX 6.9526 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2177008 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2176982 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9416.5 XXXXXX 7.5517 Retired Employed U.S. Citizen U.S. Citizen (No Data) No 0
2177029 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2177024 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176984 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8520 XXXXXX 8.835 Employed (No Data) U.S. Citizen (No Data) (No Data) No 4424.94
2177030 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176985 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 14542.88 XXXXXX 8.8618 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
2177025 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176999 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0

 

  ©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.