EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.58

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?

1865994

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

Not Tested

No

Not Tested

No

No

No

No

No

No

No

Not Tested

0

0

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

45012.5

N/A

Employed

No

Yes

Present

1865999

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

Yes

Yes

Present

1896245

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

Yes

Yes

Present