EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.06

Schedule 1. Digital Risk Findings Summary Report

 

EFMT 2026-NQM6 Rebuttal Findings_Redacted

 

Seller:
Deal ID:
Total Loan Count: 720

 

Loans by Grade in Population       Trade Summary
Loan Grade Count Percentage       Loan Status Count Percentage
1 488 67.78%       Review Complete 711 98.75%
2 224 31.11%       In Rebuttal 9 1.25%
3 8 1.11%                    
     

 

        Finding Status Final Finding Grade        
Initial Findings Grade Count Rebuttal Received Responses Given Open Resolved UpHeld Void 3 4 2 1        
3 563 550 562 9 487 0 0 9 0 83 471        
4 7 7 7 0 7 0 0 0 0 0 7        
2 357 158 184 1 152 0 0 0 0 206 151        
1 1531 18 18 1480 4 0 16 0 0 0 1531        
  4 2 2 2 2 0 0 0 0 0 4        
                                         
    Initial Finding Grade Final Finding Grade
Exceptions Count 3 4 2 3 4 2
Compliance 461 175 2 284 9 0 153
    Note - Incomplete 195 28 0 167 1 0 23
    State Testing - Prepayment Penalty 37 2 0 35 0 0 37
    Security Instrument - Incomplete 25 25 0 0 0 0 1
    Security Instrument - Name Discrepancy 22 22 0 0 0 0 0
    Security Instrument - Inaccurate 22 8 0 14 0 0 14
    HUD1 - Not Final 21 0 0 21 0 0 16
    Note - Signature Discrepancy 17 4 0 13 0 0 13
    TRID - Zero Tolerance Violation (No Valid COC) 16 16 0 0 1 0 9
    TRID - CD - Section B incorrect payee 12 0 0 12 0 0 12
    TRID - Zero Tolerance Violation (Disclosure Timing Fail) 8 8 0 0 2 0 1
    TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable 8 8 0 0 0 0 0
    Security Instrument - Missing Rider/Addendum 8 8 0 0 0 0 0
    TRID - 10% Tolerance Violation (No Valid COC) 5 5 0 0 0 0 2
    Security Instrument - Signature Discrepancy 5 4 0 1 0 0 1
    HUD1 - Missing (All) 4 4 0 0 0 0 0
    TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable 3 3 0 0 0 0 0
    TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) 3 3 0 0 1 0 0
    TRID - Zero Tolerance Violation (Revised Disclosure Late) 3 3 0 0 1 0 1
    Compliance Finding - Missing Business Purpose Documentation 3 3 0 0 0 0 0
    State Regulations 3 0 0 3 0 0 3
    TRID - CD - Closing Information/Disbursement Date 3 0 0 3 0 0 3
    TRID - Initial LE/Delivery Date (from application) 2 2 0 0 0 0 0
    HOC - Missing 2 0 0 2 0 0 2
    TRID - Zero Tolerance Violation (No COC - Date Undeterminable) 2 2 0 0 0 0 2
    Security Instrument - Missing 2 0 2 0 0 0 0
    Security Instrument - Missing Signature 2 2 0 0 0 0 0
    Note - Inaccurate 2 1 0 1 0 0 1
    TRID - CD - $100 Tolerance Threshold/Non-Rescindable 2 2 0 0 1 0 1
    State Testing - Prohibited Fees 2 0 0 2 0 0 2
    TRID - CD - Loan Disclosures/Escrow Account 2 0 0 2 0 0 2
    State Testing - Late Fees Test 2 0 0 2 0 0 2
    TRID - CD - Loan Information/Loan Type 2 0 0 2 0 0 2
    Federal - HPML APR/Non-Compliant 1 1 0 0 0 0 0
    State HPML 1 1 0 0 0 0 0
    TRID - 10% Tolerance Violation (Disclosure Timing Fail) 1 1 0 0 0 0 0
    ARM Disclosure - Missing 1 1 0 0 1 0 0
    TRID - CD - Revised CD Delivery Date (No Waiting Period) 1 1 0 0 0 0 0
    State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing 1 1 0 0 0 0 0
    TRID - Loan Estimate/Missing 1 1 0 0 0 0 0
    Note - Name Discrepancy 1 1 0 0 0 0 0
    TRID - CD/Payee Not Listed 1 0 0 1 0 0 1
    HMDA - Government Monitoring 1 0 0 1 0 0 1
    TRID - CD - Revised CD Delivery Date (Waiting Period, Loan Product Change) 1 1 0 0 1 0 0
    HUD1 - Incomplete 1 0 0 1 0 0 0
    ROR - Missing 1 1 0 0 0 0 0
    TRID - eConsent/Disclosure Timing Violation 1 1 0 0 0 0 0
    HOC - Late 1 0 0 1 0 0 1
    TRID - LE/Revised LE Delivery Date (prior to consummation) 1 1 0 0 0 0 0
Credit 447 371 5 71 0 0 134
    DSCR - Program Parameters - Other 107 68 0 39 0 0 47
    Program Parameters - Other 56 42 0 14 0 0 35
    Debts - Not Verified 24 24 0 0 0 0 1
    Hazard Insurance - Missing/Insufficient 21 19 0 2 0 0 3
    Hazard Insurance - All Perils 20 20 0 0 0 0 0
    Program Parameters - LTV 15 14 0 1 0 0 10
    DSCR - Missing background check 15 15 0 0 0 0 0
    Appraisal - Other 14 13 0 1 0 0 7
    Credit Missing - One or More Reports Missing 12 12 0 0 0 0 1
    DSCR - Missing Entity Documentation 12 12 0 0 0 0 1
    Assets - Other 11 11 0 0 0 0 1
    Credit Report - Other 11 11 0 0 0 0 2
    Credit - Other 8 8 0 0 0 0 1
    Income - Missing or Incomplete Lease Agreement 7 7 0 0 0 0 0
    Mortgage History - Missing/Incomplete 7 7 0 0 0 0 1
    Assets - Authorization 7 7 0 0 0 0 0
    Program Parameters - Property Type 6 3 0 3 0 0 6
    Assets - Cash to Close 5 5 0 0 0 0 0
    DSCR - Missing HUD 5 5 0 0 0 0 0
    Credit Report - Alerts 4 4 0 0 0 0 1
    Verification Documentation - VOR 4 4 0 0 0 0 1
    Credit Report - Aged 4 0 0 4 0 0 4
    Appraisal - Appraisal Missing 4 4 0 0 0 0 0
    Contract Addendum - Missing 4 4 0 0 0 0 0
    Title Commitment - Other 4 3 0 1 0 0 1
    Flood Certificate - Missing 3 3 0 0 0 0 0
    Contract - Missing 3 3 0 0 0 0 0
    Final Application - Inaccurate 3 3 0 0 0 0 0
    Condo - Documentation 3 3 0 0 0 0 0
    Title Commitment - Missing/Incomplete 3 3 0 0 0 0 0
    Assets - Bank Statements 3 2 1 0 0 0 0
    Income - Rental Property Income 2 2 0 0 0 0 0
    Appraisal - Missing required 1004 D 2 2 0 0 0 0 0
    Assets - Large Deposits/Unacceptable 2 2 0 0 0 0 0
    Borrower - Residency Alien Documentation 2 1 1 0 0 0 0
    Income - Rental Property/Missing Lease 2 2 0 0 0 0 0
    Assets - Minimum Reserves 2 2 0 0 0 0 0
    Borrower - Identification 2 2 0 0 0 0 0
    DTI - Exceeds Guidelines - originator (not pcqc eligible) 2 2 0 0 0 0 1
    Title Commitment - Incorrect 2 2 0 0 0 0 0
    Contract - Concessions 2 2 0 0 0 0 0
    Property is currently listed for sale or has been sold 2 2 0 0 0 0 0
    Program Parameters - Cash-Out Amount 2 1 0 1 0 0 2
    Program Parameters - Loan Purpose 2 0 0 2 0 0 2
    Condo - Other 2 0 0 2 0 0 2
    Verification Documentation - VOE Self-Employed/Aged 1 0 1 0 0 0 0
    Power of Attorney 1 1 0 0 0 0 1
    Ineligible Property Type - 5+ Units  1 1 0 0 0 0 1
    Income - Miscalculated/DTI Exceeds Tolerance 1 1 0 0 0 0 0
    Property listed for sale within 6 months of application date 1 1 0 0 0 0 1
    Assets - Earnest Money Deposit 1 0 1 0 0 0 0
    Credit - OFAC Screening 1 1 0 0 0 0 0
    Gift Letter - Missing 1 1 0 0 0 0 0
    Credit Report - Adverse Credit 1 0 1 0 0 0 0
    Credit Report - Inquiries 1 1 0 0 0 0 0
    Verification Documentation - VVOE Salaried/Missing 1 1 0 0 0 0 0
    Final Application - Missing 1 1 0 0 0 0 0
    Verification Documentation - VVOE Salaried/Aged 1 1 0 0 0 0 0
    Program Parameters - Number of Units 1 0 0 1 0 0 1
Valuation 19 17 0 2 0 0 2
    Appraisal - Value is not supported within 10% of original appraisal amount 17 17 0 0 0 0 0
    Appraisal - Value is supported within 10% of original appraisal amount 2 0 0 2 0 0 2