EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.1 - Schedule 3

 

 

Valuation Report
Run Date - 6/3/2026 12:01:51 PM

 

SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Note Date Original Loan Amount Sales Price Value for LTV As-Is Value for LTV LTV Value Variance Amount LTV Value Variance Percent Primary Valuation Value Primary Valuation Report Date Primary Valuation Effective Date Primary Valuation Type Primary Valuation Company Primary Valuation Appraiser Name Primary Valuation Appraiser License Num Primary Valuation FSD Score Secondary Valuation Value Secondary Valuation Variance Amount Secondary Valuation Variance Percent Secondary Valuation Report Date Secondary Valuation Effective Date Secondary Valuation Type Secondary Valuation Company Secondary Valuation FSD Score Secondary Valuation Desk Review Risk Score AVM Value AVM Variance Amount AVM Variance Percent AVM Company AVM FSD Score AVM Report Date Desk Review Value Desk Review Variance Amount Desk Review Variance Percent Desk Review Company Desk Review Risk Score Desk Review Report Date Desk Review Effective Date Desktop Appraisal Value Desktop Appraisal Variance Amount Desktop Appraisal Variance Percent Desktop Appraisal Company Desktop Appraisal Report Date Desktop Appraisal Effective Date BPO Value BPO Variance Amount BPO Variance Percent BPO Company BPO Report Date Field Review Value Field Review Variance Amount Field Review Variance Percent Field Review Company Field Review Report Date Field Review Effective Date 2055 Value 2055 Variance Amount 2055 Variance Percent 2055 Company 2055 Report Date 2055 Effective Date AVE/CMA Value AVE/CMA Variance Amount AVE/CMA Variance Percent AVE/CMA Company AVE/CMA Report Date Hybrid Valuation Value Hybrid Valuation Variance Amount Hybrid Valuation Variance Percent Hybrid Valuation Company Hybrid Valuation Report Date Updated Valuation Value Updated Valuation Variance Amount Updated Valuation Variance Percent Updated Valuation Company Updated Valuation Report Date Updated Valuation Effective Date Aggregate Appraised Value Aggregate Variance Amount Aggregate Variance Percent Value Analysis Valuation Value Value Analysis Report Date Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? LCA Risk Score Collateral Underwriter Risk Score
XXX 1993410 XXX XXX             0.000%       Drive By             XXX     Desk Review     Moderate                                                                                                 XXX                 N/A    
XXX 1993662 XXX XXX             0.000%       AVM       0.11     XXX     AVM   0.05                                                                                                   XXX                 N/A    
XXX 1993644 XXX XXX             0.000%       Appraisal             XXX     AVM   0.08                                                                                                   XXX                 N/A   1.00
XXX 1993315 XXX XXX             0.000%       Appraisal             XXX     AVM   0.05                                                                                                   XXX                 N/A    
XXX 1993679 XXX XXX             0.000%       Appraisal             XXX                                                                                                             XXX                 N/A   1.70
XXX 1993599 XXX XXX             0.000%       Appraisal             XXX                                                                                                             XXX                 N/A   1.10
XXX 1993327 XXX XXX             0.000%       AVM       0.12     XXX     AVM   0.05                                                                                                   XXX                 N/A    
XXX 1993688 XXX XXX             0.000%       AVM       0.03     XXX     BPO                                                                                                       XXX                 N/A