EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.05 - Schedule 6

 

Rating Agency ATR QM Data Fields                              
                                 
Loans in Report:  34                              
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
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 XXXX
2186760 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.6251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2138661 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 26260.49 XXXXXX 8.3765 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 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 XXXX
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
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
2186769 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2186753 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
2186763 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2192299 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8322.75 XXXXXX 7.0833 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes XXXX
2186747 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.99 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2186767 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2186778 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2186777 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2196694 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 25143.68 XXXXXX 7.319 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes XXXX
2186768 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2186779 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.99 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2186782 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2192307 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 28064 XXXXXX 7.0353 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2186752 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2186756 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2186757 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2186759 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed U.S. Citizen (No Data) (No Data) (No Data) 0
2196695 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 721.74 XXXXXX 5.9924 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2186744 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
2186765 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
2186750 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed Retired (No Data) U.S. Citizen (No Data) (No Data) 0
2192302 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12111.5 XXXXXX 6.7682 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2186785 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 5.9901 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2186775 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2186761 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2192304 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 12436 XXXXXX 7.585 Employed (No Data) U.S. Citizen (No Data) (No Data) No XXXX
2186762 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2186787 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9901 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
 


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