EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.25

 

Seller Name Seller Loan ID Customer Loan ID Exception ID Exception ID Date Exception Category Exception Subcategory Exception Description Exception Comments Seller Response Reviewer Response Compensating Factors Exception Status Cleared Date Exception Approved Pre Origination Initial Exception Grade Final Exception Grade Initial DBRS Exception Grade Final DBRS Exception Grade Initial Moodys Exception Grade Final Moodys Exception Grade Initial Fitch Exception Grade Final Fitch Exception Grade Initial Kroll Exception Grade Final Kroll Exception Grade Initial S&P Exception Grade Final S&P Exception Grade
XXX 1880398 XXX 1524128403-3002 8/5/2024 No Findings No Findings No Findings The loan meets all applicable guidelines 8/5: Clear 20240805: Clear   Cleared 8/5/2024   A A A A A A A A A A A A
XXX 1973169 XXX 1224765902-5602 12/3/2024 Credit Closing Documentation Deed Missing or Defective Missing conveyance deed from XXX and XXX to XXX & XXX & XXX 12/5 XXX: Please see attached deed 20241205: Received   Cleared 12/5/2024   D A D A D A D A D A D A
XXX 1973143 XXX 1224787739-5904 12/9/2024 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage Insufficient Title Insurance $XXX  Title Insurance Coverage < $XXX  Minimum Required. 12/12 XXX please see attached please clear thank you 20241212: Received updated title   Cleared 12/12/2024   C A C A C A C A C A C A