EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.10 - Schedule 3

 

ALT Loan 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?
2136836 XXXXXXXXX   XXXXXXXXX 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 XXXXXXXXX   XXXXXXXXX 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 XXXXXXXXX   XXXXXXXXX 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  
2137568 XXXXXXXXX   XXXXXXXXX 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 XXXXXXXXX   XXXXXXXXX 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  
2137563 XXXXXXXXX   XXXXXXXXX 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 XXXXXXXXX   XXXXXXXXX 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  
2167199 XXXXXXXXX   XXXXXXXXX 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 7.403 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2173094 XXXXXXXXX   XXXXXXXXX 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 8.493 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2182320 XXXXXXXXX   XXXXXXXXX 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 8.88 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189603 XXXXXXXXX   XXXXXXXXX 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 8.255 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199421 XXXXXXXXX   XXXXXXXXX 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  
2198107 XXXXXXXXX   XXXXXXXXX XX/XX/XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt No   No   No No No No 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  
2199378 XXXXXXXXX   XXXXXXXXX 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   Yes   Yes Present  
2199367 XXXXXXXXX   XXXXXXXXX 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  
2199441 XXXXXXXXX   XXXXXXXXX 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  
2199437 XXXXXXXXX   XXXXXXXXX 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 No Yes Present  
2199433 XXXXXXXXX   XXXXXXXXX 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   Yes   Yes Present  
2199439 XXXXXXXXX   XXXXXXXXX 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  
2199434 XXXXXXXXX   XXXXXXXXX XX/XX/XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt No   No   No No No No 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  
2199440 XXXXXXXXX   XXXXXXXXX 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  
2199406 XXXXXXXXX   XXXXXXXXX XX/XX/XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 8.33 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   No   Yes Present  
2199410 XXXXXXXXX   XXXXXXXXX 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 No Yes Present  
2194141 XXXXXXXXX   XXXXXXXXX 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 8.391 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199435 XXXXXXXXX   XXXXXXXXX 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  
2194147 XXXXXXXXX   XXXXXXXXX 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 9.014 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2196775 XXXXXXXXX   XXXXXXXXX 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  
2194155 XXXXXXXXX   XXXXXXXXX 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 7.846 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2196778 XXXXXXXXX   XXXXXXXXX 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  
2196779 XXXXXXXXX   XXXXXXXXX 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 Yes No No No No Not Tested 0 6.992 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2196772 XXXXXXXXX   XXXXXXXXX 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 7.012 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2196768 XXXXXXXXX   XXXXXXXXX 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  
2196774 XXXXXXXXX   XXXXXXXXX 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  
2196767 XXXXXXXXX   XXXXXXXXX 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  
2196769 XXXXXXXXX   XXXXXXXXX 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  
2196771 XXXXXXXXX   XXXXXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   No   No No No No 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  
2196776 XXXXXXXXX   XXXXXXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   No   No No No No 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  
2196770 XXXXXXXXX   XXXXXXXXX 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 7.953 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2196766 XXXXXXXXX   XXXXXXXXX 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 7.86 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198012 XXXXXXXXX   XXXXXXXXX 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  
2196777 XXXXXXXXX   XXXXXXXXX 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  
2196773 XXXXXXXXX   XXXXXXXXX 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  
2198010 XXXXXXXXX   XXXXXXXXX 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 7.809 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198011 XXXXXXXXX   XXXXXXXXX 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 7.713 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No