EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.02 - Schedule 3

 

Loan ID Seller Loan ID Investor Loan ID Original Loan Amount Initial Credit Loan Grades DBRS Initial Credit Loan Grades Fitch Initial Credit Loan Grades Kroll Initial Credit Loan Grades Moody's Initial Credit Loan Grades S&P Initial Compliance Loan Grades DBRS Initial Compliance Loan Grades Fitch Initial Compliance Loan Grades Kroll Initial Compliance Loan Grades Moody's Initial Compliance Loan Grades S&P Initial Property Loan Grades DBRS Initial Property Loan Grades Fitch Initial Property Loan Grades Kroll Initial Property Loan Grades Moody's Initial Property Loan Grades S&P Initial Overall Loan Grades DBRS Initial Overall Loan Grades Fitch Initial Overall Loan Grades Kroll Initial Overall Loan Grades Moody's Initial Overall Loan Grades S&P Final Credit Loan Grades DBRS Final Credit Loan Grades Fitch Final Credit Loan Grades Kroll Final Credit Loan Grades Moody's Final Credit Loan Grades S&P Final Compliance Loan Grades DBRS Final Compliance Loan Grades Fitch Final Compliance Loan Grades Kroll Final Compliance Loan Grades Moody's Final Compliance Loan Grades S&P Final Property Loan Grades DBRS Final Property Loan Grades Fitch Final Property Loan Grades Kroll Final Property Loan Grades Moody's Final Property Loan Grades S&P Final Overall Loan Grades DBRS Final Overall Loan Grades Fitch Final Overall Loan Grades Kroll Final Overall Loan Grades Moody's Final Overall Loan Grades S&P
2106738 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143808 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143846 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143817 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143814 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143830 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143834 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143828 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143873 XXXXX   $XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
2143880 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143819 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143797 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143809 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A B B B B B B B B B B
2143806 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143810 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143811 XXXXX   $XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A B B B B B B B B B B
2143842 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143859 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143886 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143884 XXXXX   $XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
2143871 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143899 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143910 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143888 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143903 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143896 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143908 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143909 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143882 XXXXX   $XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
2143866 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143889 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143874 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143875 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143885 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143883 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143851 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143841 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143835 XXXXX   $XXXXXX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
2143826 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143916 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143922 XXXXX   $XXXXXX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A B B B B B B B B B B
2143913 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143894 XXXXX   $XXXXXX B B B B B A A A A A A A A A A B B B B B B B B B B A A A A A A A A A A B B B B B
2143854 XXXXX   $XXXXXX B B B B B A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
2143860 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143840 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143805 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143793 XXXXX   $XXXXXX C C C C C A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143783 XXXXX   $XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
2143782 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143780 XXXXX   $XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
2143781 XXXXX   $XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
2091069 XXXXX   $XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A