EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.10 - 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?
2136839 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.42 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   Yes   No  
2136834 XXXX   XXXX 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
2136836 XXXX   XXXX 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
2136837 XXXX   XXXX 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
2136835 XXXX   XXXX 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
2136849 XXXX   XXXX 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
2137559 XXXX   XXXX 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
2136844 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.681 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2136850 XXXX   XXXX 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
2137568 XXXX   XXXX 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
2136843 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.165 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2137569 XXXX   XXXX 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
2137567 XXXX   XXXX 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
2137558 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.948 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2137563 XXXX   XXXX 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
2137560 XXXX   XXXX 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
2165600 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.768 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2182378 XXXX   XXXX XX/XX/XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender 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
2165607 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.762 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2165612 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.296 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2165606 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 7.854 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2182379 XXXX   XXXX 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
2165609 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 7.847 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2165602 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.442 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   Yes   No  
2167198 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.47 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   Yes   No  
2167195 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.981 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2167197 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.641 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2173095 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 8.42 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2173110 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.681 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2173105 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.761 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2175206 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.103 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2175209 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 8.633 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Not Employed Employed No No No  
2177300 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 8.632 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2177304 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.778 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2177310 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 7.958 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2180000 XXXX   XXXX 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
2179999 XXXX   XXXX 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
2179995 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.233 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2179991 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.941 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2179993 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.249 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2180004 XXXX   XXXX 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 7.48 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2180005 XXXX   XXXX 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 7.827 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $X,XXX.XX N/A Employed   Yes   Yes Present
2182377 XXXX   XXXX XX/XX/XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender 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
2180002 XXXX   XXXX 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 7.481 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $X,XXX.XX N/A Employed   No   Yes Present
2179994 XXXX   XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.243 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No