Exhibit 99.4 - Schedule 1
| Client Name: | ||||||
| Client Project Name: | EFMT 2026-CES2 | |||||
| Start - End Dates: | 4/17/2025 - 1/9/2026 | |||||
| Deal Loan Count: | 793 | |||||
| Conditions Report 2.0 | ||||||
| Loans in Report: | 793 | |||||
| Loans with Conditions: | 176 | |||||
| 0 - Total Active Conditions | ||||||
| 232 - Total Satisfied Conditions | ||||||
| 78 - Credit Review Scope | ||||||
| 5 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Application | ||||||
| 9 - Category: Credit/Mtg History | ||||||
| 1 - Category: DTI | ||||||
| 12 - Category: Income/Employment | ||||||
| 6 - Category: Insurance | ||||||
| 19 - Category: Legal Documents | ||||||
| 8 - Category: Terms/Guidelines | ||||||
| 16 - Category: Title | ||||||
| 2 - Property Valuations Review Scope | ||||||
| 2 - Category: Appraisal | ||||||
| 152 - Compliance Review Scope | ||||||
| 7 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 32 - Category: Compliance Manual | ||||||
| 14 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 1 - Category: Federal Higher-Priced | ||||||
| 1 - Category: Finance Charge Tolerance | ||||||
| 6 - Category: RESPA | ||||||
| 8 - Category: Right of Rescission | ||||||
| 4 - Category: Section 32 | ||||||
| 21 - Category: State Consumer Protection | ||||||
| 1 - Category: Texas Home Equity | ||||||
| 56 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 37 - Total Waived Conditions | ||||||
| 1 - Credit Review Scope | ||||||
| 1 - Category: LTV/CLTV | ||||||
| 36 - Compliance Review Scope | ||||||
| 36 - Category: Texas Home Equity | ||||||
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