EFMT DEPOSITOR LLC abs-15g

Exhibit 99.05 - Schedule 2

 

Infinity Loan ID Loan Number Redacted ID Loan Number 2 Borrower Name State QM/ATR Status Initial Overall Loan Grade Final Overall Grade Final Credit Grade Final Property Grade Final Compliance Grade Material (level 3) TRID exception? Material (level 3) Non-TRID exception? Active Material Exceptions Active Non Material Exceptions Satisfied Exceptions Waived Exceptions Compensating Factors Property Type Note Date LTV CLTV Occupancy Purpose Credit Score Brwr 1 Yrs in Property Brwr 1 Occupation Brwr 1 Yrs on Job Total Monthly Income Mortgage History Cash Out Amount DTI FTHB Flag Loan Doc Type Loan Status Review Date
xxx xxx 2139968   xxx Florida Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Cash Out 759   XXXX 15   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     No Documentation QC Complete 03/09/2026
xxx xxx 2137585   xxx Connecticut Not Covered/Exempt 1 1 1 1 1 No No           4 Family xxx xxx xxx Investor Cash Out 709         Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     No Documentation QC Complete 03/03/2026
xxx xxx 2139967   xxx Florida Not Covered/Exempt 3 1 1 1 1 No No     *** (CURED) Required Documentation Missing or Incomplete  - EV R
COMMENT:   Provide updated signed application with change in loan amount from xxx to xxx.

03/06/2026:  Resolved.  Received corrected 1003
    Single Family xxx xxx xxx Investor Cash Out 759   XXXX 15   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     No Documentation QC Complete 03/02/2026
xxx xxx 2137586   xxx North Carolina Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Refinance 748     4   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
      No Documentation QC Complete 03/02/2026
xxx xxx 2137584   xxx Connecticut Not Covered/Exempt 3 1 1 1 1 No No     *** (CURED) Amount of title insurance is less than mortgage amount - EV R
COMMENT:   Title insurance amount xxx is not sufficient to cover loan amount xxx. Provide an updated title report with sufficient title policy amount.

03/04/2026;  received updated title with policy amount of xxx

*** (CURED) Application Missing - EV R
COMMENT:   Missing signed application.

03/09/2026 Resolved: The copy of signed application resolves the condition.
    Single Family xxx xxx xxx Investor Cash Out 735         Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     No Documentation QC Complete 02/27/2026
xxx xxx 2137581   xxx Pennsylvania Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Cash Out 779   XXXX 5   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     No Documentation QC Complete 02/27/2026
xxx xxx 2137583   xxx Pennsylvania Not Covered/Exempt 1 1 1 1 1 No No           Low Rise Condo  (1-4 Stories) xxx xxx xxx Investor Purchase 779   XXXX 5   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
    No No Documentation QC Complete 02/24/2026
xxx xxx 2137582   xxx Georgia Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Cash Out 736     15   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 02/17/2026
xxx xxx 2144645   xxx North Carolina Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Cash Out 731   XXXX 13.42   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 03/18/2026
xxx xxx 2144646   xxx North Carolina Not Covered/Exempt 3 1 1 1 1 No No     *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV R
COMMENT:   Missing Master policy and condo questionnaire.

03/24/2026:  Resolved:  Received copy of questionnaire and master policy
    Low Rise Condo  (1-4 Stories) xxx xxx xxx Investor Cash Out 731   XXXX 13.41 $0.00 Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     No Documentation QC Complete 03/18/2026
xxx xxx 2144647   xxx North Carolina Not Covered/Exempt 1 1 1 1 1 No No           Low Rise Condo  (1-4 Stories) xxx xxx xxx Investor Cash Out 731   XXXX 13.42   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     No Documentation QC Complete 03/18/2026
xxx xxx 2151575   xxx Texas Not Covered/Exempt 1 1 1 1 1 No No           Low Rise Condo  (1-4 Stories) xxx xxx xxx Investor Refinance 776   XXXX 4.41   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
      DSCR QC Complete 03/23/2026
xxx xxx 2151573   xxx Georgia Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Cash Out 765   XXXX 5   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 03/25/2026
xxx xxx 2144648   xxx North Carolina Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Cash Out 731     13.5   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     No Documentation QC Complete 03/18/2026