EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.05 - Schedule 6

 

Rating Agency ATR QM Data Fields
   
Loans in Report:  41

 

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
2207019 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176997 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2215381 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
2209721 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2064356 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2215394 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
2176991 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176992 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209731 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2177020 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209716 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2177004 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 3741.81 XXXXXX 7.2289 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
2209720 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176994 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209736 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209714 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2215397 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2209708 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2209712 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209715 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) (No Data) (No Data) (No Data) 0
2215382 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2215402 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2177001 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209730 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7095 XXXXXX 8.3829 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
2215386 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2215389 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 21164 XXXXXX 7.8112 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 6715.79
2176998 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209717 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.6251 Unemployed Unemployed (No Data) Non-Resident Alien (No Data) (No Data) 0
2177017 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209734 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2141289 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2176993 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2177028 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2215392 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209723 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2209732 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.6251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2209735 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
2215383 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2177026 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
2209726 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
2209707 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0

 

 

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