EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.09 - 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?
2215387 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
2215401 XXXX   XXXX 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 No Yes Present
2215384 XXXX   XXXX 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
2207154 XXXX   XXXX 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 $X,XXX.XX 7.568 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2202084 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
2202056 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
2201986 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
2201964 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 No Yes Present
2202048 XXXX   XXXX 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
2202063 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         Yes Yes Yes Present
2202011 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
2207153 XXXX   XXXX 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 $X,XXX.XX 7.537 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2201991 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
2201976 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
2202019 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
2201990 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
2202068 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
2201996 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
2201975 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
2202036 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
2202065 XXXX   XXXX XX/XX/XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender 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
2202080 XXXX   XXXX 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 $X,XXX.XX 7.993 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2202073 XXXX   XXXX 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
2201977 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 No Yes Present
2202003 XXXX   XXXX 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
2213776 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
2204819 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
2204827 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
2202000 XXXX   XXXX 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
2211720 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 $X,XXX.XX 7.973 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2201656 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         Yes   Yes Present
2201659 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
2211713 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
2201657 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 $X,XXX.XX 8.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Retired No No No  
2204736 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 $X,XXX.XX 7.527 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2201662 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 $X,XXX.XX 7.423 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2207098 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 $X,XXX.XX 7.347 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2201665 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 $X,XXX.XX 8.073 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2201661 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 $X,XXX.XX 8.297 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2204739 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 $X,XXX.XX 8.446 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2204737 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
2207099 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 $X,XXX.XX 7.651 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2204738 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 $X,XXX.XX 7.642 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Not Employed Employed No No No  
2211715 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 $X,XXX.XX 8.322 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2207104 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
2211714 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
2201666 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 $X,XXX.XX 7.989 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2207111 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 $X,XXX.XX 7.89 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2207109 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 $X,XXX.XX 7.685 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2211718 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 $X,XXX.XX 7.802 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2207105 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 $X,XXX.XX 7.741 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2207106 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 $X,XXX.XX 7.751 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2207112 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 $X,XXX.XX 7.113 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2211719 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 $X,XXX.XX 8.255 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2211716 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 $X,XXX.XX 7.475 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2207108 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
2211717 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 $X,XXX.XX 8.005 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2207107 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 $X,XXX.XX 7.867 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2204740 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 $X,XXX.XX 8.612 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2207103 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 $X,XXX.XX 8.007 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2201668 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 $X,XXX.XX 8.13 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No