Exhibit 99.1 - Schedule 1
| EFMT 2026-AE2 Rebuttal Findings_Redacted |
| Loans by Grade in Population | Trade Summary | ||||||||||||||||||||
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage | ||||||||||||||||
| 1 | 379 | 84.98% | Review Complete | 425 | 95.29% | ||||||||||||||||
| 2 | 46 | 10.31% | In Rebuttal | 21 | 4.71% | ||||||||||||||||
| 3 | 21 | 4.71% | |||||||||||||||||||
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| Finding Status | Final Finding Grade | |||||||||||||||||||
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 | |||||||||
| 3 | 245 | 167 | 236 | 25 | 206 | 0 | 0 | 25 | 0 | 28 | 192 | |||||||||
| 4 | 3 | 3 | 3 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 3 | |||||||||
| 2 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | |||||||||
| 1 | 1079 | 3 | 3 | 1038 | 0 | 0 | 3 | 0 | 0 | 0 | 1079 | |||||||||
| Initial Finding Grade | Final Finding Grade | |||||||||||||||||||
| Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 | |||||||||||||
| Compliance | 108 | 83 | 1 | 24 | 19 | 0 | 29 | |||||||||||||
| QM - Points and Fees | 25 | 25 | 0 | 0 | 6 | 0 | 1 | |||||||||||||
| TRID - Zero Tolerance Violation (No Valid COC) | 14 | 14 | 0 | 0 | 3 | 0 | 1 | |||||||||||||
| TRID - CD - Section B incorrect payee | 10 | 0 | 0 | 10 | 0 | 0 | 10 | |||||||||||||
| TRID - CD/Payee Not Listed | 7 | 0 | 0 | 7 | 0 | 0 | 7 | |||||||||||||
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 6 | 6 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - 10% Tolerance Violation (No Valid COC) | 4 | 4 | 0 | 0 | 1 | 0 | 1 | |||||||||||||
| TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | 3 | 3 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 3 | 3 | 0 | 0 | 2 | 0 | 0 | |||||||||||||
| TRID - CD - Total of Payments (TOP) Non-Rescindable | 3 | 3 | 0 | 0 | 2 | 0 | 0 | |||||||||||||
| Security Instrument - Inaccurate | 3 | 3 | 0 | 0 | 1 | 0 | 0 | |||||||||||||
| TRID - CD - Loan Disclosures/Escrow Account | 3 | 0 | 0 | 3 | 0 | 0 | 3 | |||||||||||||
| Security Instrument - Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Security Instrument - Missing Rider/Addendum | 2 | 2 | 0 | 0 | 1 | 0 | 0 | |||||||||||||
| Federal Testing | 2 | 2 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - Zero Tolerance Violation (Revised Disclosure Late) | 2 | 2 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| HUD1 - Illegible | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Note - Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - CD - Lender NMLS Missing or Inaccurate | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - CD - Other Disclosures/Liability after Foreclosure | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| HOC - Missing | 1 | 0 | 0 | 1 | 0 | 0 | 1 | |||||||||||||
| Note - Trust Missing | 1 | 1 | 0 | 0 | 1 | 0 | 0 | |||||||||||||
| Security Instrument - Trust Missing | 1 | 1 | 0 | 0 | 1 | 0 | 0 | |||||||||||||
| TRID - CD - Closing Information/Closing Date | 1 | 0 | 0 | 1 | 0 | 0 | 1 | |||||||||||||
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 1 | 1 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| TRID - LE/Revised LE Delivery Date (prior to consummation) | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - CD - $35 Tolerance Threshold/Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| TRID - CD/Lender Credits that Cannot Decrease (No COC - Date Undeterminable) | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| TRID - CD - Closing Information/Settlement Agent info | 1 | 0 | 0 | 1 | 0 | 0 | 1 | |||||||||||||
| Security Instrument - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 | |||||||||||||
| FACTA Disclosure - Missing | 1 | 0 | 0 | 1 | 0 | 0 | 1 | |||||||||||||
| Note - Signature Discrepancy | 1 | 1 | 0 | 0 | 1 | 0 | 0 | |||||||||||||
| TRID - CD - Incomplete / Inaccurate - Rescindable Transaction | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Credit | 76 | 74 | 2 | 0 | 5 | 0 | 14 | |||||||||||||
| Debts - Not Verified | 33 | 33 | 0 | 0 | 1 | 0 | 5 | |||||||||||||
| Verification Documentation - VVOE Salaried/Missing | 4 | 4 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| Credit - Other | 4 | 4 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| MI - Missing Documentation | 3 | 2 | 1 | 0 | 0 | 0 | 0 | |||||||||||||
| Hazard Insurance - Missing/Insufficient | 3 | 3 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Income - Miscalculated/DTI Exceeds Tolerance | 2 | 2 | 0 | 0 | 1 | 0 | 0 | |||||||||||||
| DTI - Exceeds Guidelines - originator (not pcqc eligible) | 2 | 2 | 0 | 0 | 1 | 0 | 0 | |||||||||||||
| Verification Documentation - VOE/Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Income - Insufficient Documentation | 2 | 2 | 0 | 0 | 2 | 0 | 0 | |||||||||||||
| Assets - Other | 2 | 2 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| Borrower - (EAD) Risk Category | 2 | 2 | 0 | 0 | 0 | 0 | 2 | |||||||||||||
| Credit Missing - One or More Reports Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| AUS - Discrepancy/Conforming Loan | 1 | 1 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| Final Application - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| AUS (LP/DU) - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| Income - Employment History | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Appraisal - Missing required 1004 D | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Assets - Bank Statements | 1 | 0 | 1 | 0 | 0 | 0 | 0 | |||||||||||||
| Assets - Minimum Reserves | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Income - Tax Return Documentation Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| Program Parameters - LTV | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Contract - Concessions | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Flood Certificate - Incorrect | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Income - Rental Property Income | 1 | 1 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| Liabilities - Missing Debts/ DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Condo - Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Title Commitment - Exclusions | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Verification Documentation - VOE Self-Employed/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Valuation | 88 | 88 | 0 | 0 | 1 | 0 | 9 | |||||||||||||
| Appraisal - Value is not supported within 10% of original appraisal amount | 88 | 88 | 0 | 0 | 1 | 0 | 9 | |||||||||||||
