EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.27

Loan Number

Seller Loan ID

Initial Loan Grade

Final Loan Grade

Initial DBRS Loan Grade

Final DBRS Loan Grade

Initial DBRS Credit Loan Grade

Final DBRS Credit Loan Grade

Initial DBRS Compliance Loan Grade

Final DBRS Compliance Loan Grade

Initial DBRS Property Loan Grade

Final DBRS Property Loan Grade

Initial Moody's Loan Grade

Final Moody's Loan Grade

Initial Moody's Credit Loan Grade

Final Moody's Credit Loan Grade

Initial Moody's Compliance Loan Grade

Final Moody's Compliance Loan Grade

Initial Moody's Property Loan Grade

Final Moody's Property Loan Grade

Initial Fitch Loan Grade

Final Fitch Loan Grade

Initial Fitch Credit Loan Grade

Final Fitch Credit Loan Grade

Initial Fitch Compliance Loan Grade

Final Fitch Compliance Loan Grade

Initial Fitch Property Loan Grade

Final Fitch Property Loan Grade

Initial Kroll Loan Grade

Final Kroll Loan Grade

Initial Kroll Credit Loan Grade

Final Kroll Credit Loan Grade

Initial Kroll Compliance Loan Grade

Final Kroll Compliance Loan Grade

Initial Kroll Property Loan Grade

Final Kroll Property Loan Grade

Initial S&P Loan Grade

Final S&P Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Initial S&P Property Loan Grade

Final S&P Property Loan Grade

Originator QM/ATR Status

TPR QM/ATR Status

1880398

XXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

1973169

XXX

D

A

D

A

D

A

N/A

N/A

A

A

D

A

D

A

N/A

N/A

A

A

D

A

D

A

N/A

N/A

A

A

D

A

D

A

N/A

N/A

A

A

D

A

D

A

N/A

N/A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

1973143

XXX

C

A

C

A

C

A

N/A

N/A

A

A

C

A

C

A

N/A

N/A

A

A

C

A

C

A

N/A

N/A

A

A

C

A

C

A

N/A

N/A

A

A

C

A

C

A

N/A

N/A

A

A

ATR/QM: Exempt

ATR/QM: Exempt