EX-99.33 34 ex99-33.htm CLAYTON RATING AGENCY ATR QM REPORT

Exhibit 99.33

Client Name:
Client Project Name:	EFMT 2025-NQM1
Start - End Dates:	2/24/2023 - 10/2/2024
Deal Loan Count:	37


Rating Agency ATR QM Data Fields

Loans in Report:	37

Loan Number

Loan Level ATR/QM Status

Application Date Prior to 1/10/2014

TRID Indicator

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

Bwr 1 Foreign National Indicator

Bwr 2 Foreign National Indicator

Residual Income Analysis in File

ATR/QM Residual Income

2000018934

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

4971.4

XXXXXX

10.5827

Employed

(No Data)

U.S. Citizen

(No Data)

2000032053

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

9394

XXXXXX

9.5638

Employed

U.S. Citizen

Yes

12033.64

2000034502

ATR/QM: Exempt

Yes

XXXXXX

6.999

Unemployed

(No Data)

Permanent Resident Alien

(No Data)

2000035032

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

65214

XXXXXX

8.1917

Employed

(No Data)

U.S. Citizen

(No Data)

2000035900

QM: Safe Harbor (APOR)

Yes

XXXXXX

Yes

45006.5

XXXXXX

8.0591

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

15718.68

2000036031

ATR/QM: Exempt

N/A

XXXXXX

8.625

Unemployed

(No Data)

U.S. Citizen

(No Data)

2000037157

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

10901.19

XXXXXX

9.1413

Employed

(No Data)

U.S. Citizen

(No Data)

7012.15

2000037370

QM: Safe Harbor (APOR)

Yes

XXXXXX

Yes

31694

XXXXXX

7.2207

Employed

(No Data)

U.S. Citizen

(No Data)

2000037542

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

10449

XXXXXX

8.675

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

2000037578

QM: Safe Harbor (APOR)

Yes

XXXXXX

Yes

15544

XXXXXX

7.163

Employed

Unemployed

U.S. Citizen

Yes

8426.54

2000037756

ATR/QM: Exempt

N/A

XXXXXX

7.8751

Unemployed

Employed

(No Data)

U.S. Citizen

(No Data)

2000037951

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

12100.25

XXXXXX

8.8482

Employed

(No Data)

U.S. Citizen

(No Data)

2000038004

QM: Rebuttable Presumption (APOR)

Yes

XXXXXX

Yes

12345.25

XXXXXX

8.3287

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

7581.14

2000038175

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

9789.88

XXXXXX

7.5364

Employed

(No Data)

U.S. Citizen

(No Data)

2000038310

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

7194

XXXXXX

9.0782

Employed

Unemployed

U.S. Citizen

2000038355

QM: Safe Harbor (APOR)

Yes

XXXXXX

Yes

8094

XXXXXX

7.7981

Employed

(No Data)

U.S. Citizen

(No Data)

2000038411

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

14344

XXXXXX

7.6247

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

4363.72

2000038479

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

9024.44

XXXXXX

9.3736

Employed

(No Data)

U.S. Citizen

(No Data)

2000038526

ATR/QM: Exempt

N/A

XXXXXX

7.25

Unemployed

Employed

(No Data)

U.S. Citizen

(No Data)

2000038551

ATR/QM: Exempt

N/A

XXXXXX

7.25

Employed

(No Data)

U.S. Citizen

(No Data)

2000038575

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

8545.63

XXXXXX

8.6614

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

9679.85

2000038678

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

4319

XXXXXX

8.1403

Employed

(No Data)

U.S. Citizen

(No Data)

2000038683

QM: Safe Harbor (APOR)

Yes

XXXXXX

Yes

14294

XXXXXX

7.5141

Employed

(No Data)

U.S. Citizen

(No Data)

2000038752

QM: Safe Harbor (APOR)

Yes

XXXXXX

Yes

29034

XXXXXX

7.2843

Employed

Unemployed

U.S. Citizen

2000038950

QM: Rebuttable Presumption (APOR)

Yes

XXXXXX

Yes

11639

XXXXXX

8.1652

Employed

(No Data)

U.S. Citizen

(No Data)

2000039010

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

40369

XXXXXX

8.5515

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

37680.73

2000039013

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

4159

XXXXXX

8.9841

Employed

(No Data)

U.S. Citizen

(No Data)

2034.28

2000039130

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

31714

XXXXXX

8.0316

Employed

(No Data)

U.S. Citizen

(No Data)

2000039242

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

26069

XXXXXX

9.2307

Employed

(No Data)

U.S. Citizen

(No Data)

2000039287

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

5828.38

XXXXXX

9.8879

Employed

(No Data)

U.S. Citizen

(No Data)

2000039317

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

8667.32

XXXXXX

8.0304

Employed

Unemployed

Non-Permanent Resident Alien

2000039332

ATR/QM: Exempt

N/A

XXXXXX

7.7501

Unemployed

Employed

(No Data)

U.S. Citizen

(No Data)

2000039525

QM: Rebuttable Presumption (APOR)

Yes

XXXXXX

Yes

43769

XXXXXX

7.862

Employed

Retired

U.S. Citizen

Yes

28048.3

2000039619

QM: Safe Harbor (APOR)

Yes

XXXXXX

Yes

16469.69

XXXXXX

7.6874

Unemployed

U.S. Citizen

Yes

2306711.8

2000039663

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

28635

XXXXXX

7.8779

Unemployed

Employed

Non-Permanent Resident Alien

2000039800

ATR/QM: Exempt

N/A

XXXXXX

7.8751

Employed

(No Data)

U.S. Citizen

(No Data)

2000039860

ATR/QM: Exempt

N/A

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

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