EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.05

 

 

Supplemental Data
Run Date - 4/17/2025 4:47:14 PM

SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number TILA Status Loan Designation ATR Factors Present CDFI Bank Originated Loan Application Date TRID Tested GSE HOEPA Fees TILA Fees Rate Lock Date Calculated APR Original P&I Qualifying P&I Qualifying Rate Is Borrower Non Occupant Is Co Borrower Non Occupant Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower2 Length of Employment Co Borrower3 Length of Employment Borrower Foreign National Indicator Co Borrower Foreign National Indicator Co Borrower 2 Foreign National Indicator Co Borrower 3 Foreign National Indicator Borrower Country Name Co Borrower Country Name Co Borrower2 Country Name Co Borrower3 Country Name Residual Income Num Units Annual Property Tax Annual Insurance Costs Monthly Property Tax Monthly Insurance Costs HOA Name HOA Address State Fee Amount Next Due Date HOA Payment Frequency Investor DTI QM DTI Non QM DTI Original Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Updated Credit Report Date Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Most Recent Updated Co Borrower 2 FICO Most Recent Updated Co Borrower 3 FICO Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Asset Depletion Flag Bank Statements Flag Number of Statements Type of Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % P&L Type Income Doc Detail Tax Return Doc Details Document Level Document Type Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy (7, 11)  Months Bankruptcy (13)  Most Recent Deed-in -Lieu Date Number of Deed-in-Lieu Events Months Deed-in-Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Late 30d in 24m  Prior Mortgage/Rent Late 60d in 24m  Prior Mortgage/Rent Late 90d in 24m  Has ACH Guideline Name UW Guideline Author ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate HUD 1 Page 1 Credits Total Collateral Underwriter Risk Score AUS Decision System Property Inspection Waiver (PIW) Rating Result Eligible For Rep and Warrant Relief Per Collateral Advisor Is Equity Shared Loan Investor Qualifying Rate Borrower Years of W2s CoBorrower Years of W2s Years of Personal Tax Returns Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Months of Personal Bank Statements Months of Business Bank Statements Months of Profit and Loss Statements Expense Letter DSCR Inverse DSCR Subordinate Lien Type Is Shared Appreciation Mortgage Duration of Payout Months Seller VSH Indicator Seller Indicated VSH Guideline Validated VSH IO Remaining Amortization Term at Recast Maturity Date Borrower Own Funds Cash Amount Borrower Own Funds Percent Is the Note an eNote Borrower WVOE - # of Months of Income provided Co Borrower WVOE - # of Months of Income provided Co Borrower2 WVOE - # of Months of Income provided Co Borrower3 WVOE - # of Months of Income provided Were the origination guidelines utilized for this diligence review? Title Evidence Ownership Type Borrower Type Borrower Designation Co Borrower Type Co Borrower Designation Co Borrower2 Type Co Borrower2 Designation Co Borrower3 Type Co Borrower3 Designation Senior Lien Position Senior Lien Original Loan Amount Senior Lien Original Interest Rate Senior Lien Note Projected Closing Date Senior Lien Current Balance Senior Lien Current P&I Loan Closed in the Name of an Entity Note Executed by Assumable Mortgage Flag Leasehold Flag Buydown Flag Borrower Experian FICO Model Used Borrower Equifax FICO Model Used Borrower TransUnion FICO Model Used Co Borrower Experian FICO Model Used Co Borrower Equifax FICO Model Used Co Borrower TransUnion FICO Model Used Co Borrower2 Experian FICO Model Used Co Borrower2 Equifax FICO Model Used Co Borrower2 TransUnion FICO Model Used Co Borrower3 Experian FICO Model Used Co Borrower3 Equifax FICO Model Used Co Borrower3 TransUnion FICO Model Used Borrower Documentation Used to Determine Legal Residency Co Borrower Documentation Used to Determine Legal Residency Co Borrower2 Documentation Used to Determine Legal Residency Co Borrower3 Documentation Used to Determine Legal Residency Delayed Financing? Months Reserves Correspondent Type Departure Residence Rate Increase on Default MERS Min Number
xxx 1973196 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No No xxx xxx     xxx xxx Non-Permanent Resident Alien       xxx       xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                           xxx xxx         No No                   DSCR                               xxx xxx xxx No   xxx xxx   xxx xxx 1.0       Yes No xxx 0   0 0 0 0     xxx No xxx xxx               12/01/2054 $25,580.99 11.000% No         Yes Final Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx       xxx
xxx 1952352 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No No xxx xxx     xxx xxx     US Citizen   xxx       xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                           xxx xxx         No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx         N/A No xxx 0   0 0 0 0     xxx No xxx xxx               09/01/2054     No         Yes Commitment Fee Simple Corp Business Entity     Individual Guarantor - Individual Individual Guarantor - Individual             Yes Business Entity No   No             Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04               No xxx       xxx
xxx 1969250 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No No xxx xxx     xxx xxx Foreign National       xxx       xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                           xxx xxx         No No             [Borrower -  | Primary Income - Sole Proprietor]; CPA Letter - 2024
[Borrower -  | Primary Income - Sole Proprietor]; Other - 2024		 [Borrower]; 1084 or income worksheet - Year Not Available Full Documentation (F) 2yr Full Doc                               xxx xxx xxx     xxx xxx   xxx xxx 3.5 None     Yes No xxx 0   0 0 0 0     xxx No xxx xxx               12/01/2054 $619,951.16 45.000% No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Not Applicable Not Applicable Not Applicable                   Passport         xxx     No xxx
xxx 1969255 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No No xxx xxx     xxx xxx US Citizen       xxx       xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                           xxx xxx         No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx         N/A No xxx 0   0 0 0 0     xxx No xxx xxx               01/01/2055 $155,000.00 10.000% No         Yes Final Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx       xxx
xxx 1969246 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No No xxx xxx     xxx xxx     US Citizen   xxx       xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                           xxx xxx         No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx         N/A No xxx 0   0 0 0 0     xxx No xxx xxx               01/01/2055 $436,036.93 62.000% No         Yes Commitment Fee Simple LLC Business Entity     Individual Guarantor - Individual                 Yes Business Entity No   No             Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                 xxx       xxx
xxx 1969247 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No No xxx xxx     xxx xxx US Citizen       xxx       xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                           xxx xxx         No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx 5.0       N/A No xxx 0   0 0 0 0     xxx No xxx xxx               01/01/2055 $87,345.84 32.000% No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                             xxx       xxx
xxx 1969249 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No No xxx xxx     xxx xxx US Citizen       xxx       xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                           xxx xxx         No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx 1.4       Yes No xxx 0   0 0 0 0     xxx No xxx xxx             360 01/01/2065     No         Yes Commitment Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                           No xxx       xxx
xxx 1969251 xxx   xxx       No No xxx xxx   xxx xxx xxx xxx No No xxx xxx     xxx xxx US Citizen       xxx       xxx xxx xxx xxx xxx xxx           xxx xxx xxx xxx xxx                                           xxx xxx         No No                   DSCR                               xxx xxx xxx Yes   xxx xxx   xxx xxx 1.0       N/A No xxx 0   0 0 0 0     xxx No xxx xxx             240 01/01/2055     No         Yes Preliminary Fee Simple Individual Individual                         No Individual No   No Fair Isaac (VER. 2) FICO Classic V5 Facta FICO Risk Score Classic 04                           No xxx       xxx