EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.06 - Schedule 1

 

EFMT 2026-INV8 Rebuttal Findings_Redacted
Seller:
Deal ID:
Total Loan Count: 582

 

Loans by Grade in Population       Trade Summary
Loan Grade Count Percentage       Loan Status Count Percentage
1 417 71.65%       Review Complete 577 99.14%
2 165 28.35%       In Rebuttal 5 0.86%
 

 

 

 

        Finding Status Final Finding Grade        
Initial Findings Grade Count Rebuttal Received Responses Given Open Resolved UpHeld Void 3 4 2 1        
3 495 479 491 2 420 0 0 0 0 77 418        
4 12 12 12 0 12 0 0 0 0 0 12        
2 136 12 48 3 7 0 0 0 0 129 7        
1 1340 9 10 1327 1 0 9 0 0 0 1340        
                                         
    Initial Finding Grade Final Finding Grade
Exceptions Count 3 4 2 3 4 2
Compliance 198 95 7 96 0 0 91
    State Testing - Prepayment Penalty 43 0 0 43 0 0 43
    Security Instrument - Name Discrepancy 35 35 0 0 0 0 0
    HUD1 - Not Final 28 0 0 28 0 0 24
    Note - Incomplete 21 14 0 7 0 0 5
    Security Instrument - Incomplete 15 15 0 0 0 0 0
    Security Instrument - Inaccurate 9 5 0 4 0 0 4
    Security Instrument - Missing 7 0 7 0 0 0 0
    HUD1 - Missing (All) 6 6 0 0 0 0 0
    TRID - CD - Section B incorrect payee 6 0 0 6 0 0 6
    Security Instrument - Missing Rider/Addendum 6 6 0 0 0 0 0
    TRID - Zero Tolerance Violation (No Valid COC) 4 4 0 0 0 0 0
    Compliance Finding - Missing Business Purpose Documentation 2 2 0 0 0 0 0
    TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable 2 2 0 0 0 0 0
    Flood Insurance - Escrow Notice 2 0 0 2 0 0 2
    Note - Signature Discrepancy 1 1 0 0 0 0 0
    ARM Disclosure - Missing 1 1 0 0 0 0 0
    HOC - Missing 1 0 0 1 0 0 1
    TRID - 10% Tolerance Violation (No Valid COC) 1 1 0 0 0 0 1
    TRID - CD - $100 Tolerance Threshold/Non-Rescindable 1 1 0 0 0 0 1
    TRID - CD/Payee Not Listed 1 0 0 1 0 0 1
    State Testing - Late Fees Test 1 0 0 1 0 0 1
    HMDA - Government Monitoring 1 0 0 1 0 0 1
    Note - Missing Signature 1 1 0 0 0 0 0
    State Regulations 1 0 0 1 0 0 1
    HUD1 - Incomplete 1 0 0 1 0 0 0
    Security Instrument - Power of Attorney Missing 1 1 0 0 0 0 0
Credit 433 390 5 38 0 0 111
    DSCR - Program Parameters - Other 120 94 0 26 0 0 52
    DSCR - Missing background check 37 37 0 0 0 0 0
    Program Parameters - Other 22 20 0 2 0 0 11
    DSCR - Missing Entity Documentation 22 22 0 0 0 0 0
    DSCR - Missing HUD 19 19 0 0 0 0 0
    Final Application - Missing 18 18 0 0 0 0 0
    Credit Missing - One or More Reports Missing 12 12 0 0 0 0 1
    Program Parameters - LTV 12 12 0 0 0 0 9
    Assets - Cash to Close 12 12 0 0 0 0 3
    Hazard Insurance - Missing/Insufficient 12 12 0 0 0 0 1
    Appraisal - Other 11 10 0 1 0 0 6
    Mortgage History - Missing/Incomplete 10 10 0 0 0 0 2
    Hazard Insurance - All Perils 10 10 0 0 0 0 0
    Credit - Other 8 7 0 1 0 0 1
    Income - Missing or Incomplete Lease Agreement 8 7 0 1 0 0 1
    Assets - Minimum Reserves 7 7 0 0 0 0 3
    Title Commitment - Missing/Incomplete 6 6 0 0 0 0 0
    Program Parameters - Property Type 6 6 0 0 0 0 3
    Debts - Not Verified 6 6 0 0 0 0 0
    Income - Rental Property/Missing Lease 4 4 0 0 0 0 0
    Title Commitment - Other 3 3 0 0 0 0 0
    Flood Certificate - Missing 3 3 0 0 0 0 0
    Appraisal - Appraisal Missing 3 3 0 0 0 0 0
    Interested Party Contribution - Exceeds 3 2 0 1 0 0 3
    Assets - Other 3 3 0 0 0 0 1
    Credit Report - Aged 3 2 0 1 0 0 1
    Appraisal - Repairs 3 3 0 0 0 0 0
    Credit Report - Other 3 3 0 0 0 0 0
    Contract Addendum - Missing 3 3 0 0 0 0 2
    Contract - Missing 3 3 0 0 0 0 0
    Program Parameters - Cash-Out Amount 2 1 0 1 0 0 2
    Assets - Earnest Money Deposit 2 0 2 0 0 0 0
    Borrower - Residency Alien Documentation 2 1 1 0 0 0 0
    Liabilities - Mortgage Payment History 2 1 0 1 0 0 2
    Program Parameters - Loan Amount 2 2 0 0 0 0 2
    Credit - OFAC Screening 2 2 0 0 0 0 0
    Assets - Source 2 2 0 0 0 0 0
    Condo - Documentation 2 2 0 0 0 0 0
    Borrower - Identification 2 2 0 0 0 0 0
    Program Parameters - Credit Score 2 0 0 2 0 0 2
    Income Documentation - Rental Property Income Miscalc/Exceeds Tolerance 1 1 0 0 0 0 0
    Assets - Bank Statements 1 0 1 0 0 0 0
    Income - Other/Missing 1 1 0 0 0 0 0
    FEMA 1 1 0 0 0 0 0
    Property listed for sale within 6 months of application date 1 1 0 0 0 0 1
    Sales Contract - Missing/Incomplete 1 1 0 0 0 0 0
    DTI - Exceeds Guidelines - originator (not pcqc eligible) 1 1 0 0 0 0 0
    Appraisal - Borrower Info 1 0 1 0 0 0 0
    Appraisal - Missing required 1004 D 1 1 0 0 0 0 0
    Program Parameters - Cash-Out, Delayed Financing 1 1 0 0 0 0 0
    Income - Tax Return Documentation Incomplete 1 1 0 0 0 0 0
    Income - Insufficient Documentation 1 1 0 0 0 0 0
    Assets - Cash to Close - Evidence of Liquidation 1 1 0 0 0 0 1
    Final Application - Inaccurate 1 1 0 0 0 0 0
    Assets - Large Deposits/Unacceptable 1 1 0 0 0 0 0
    Gift Letter - Missing 1 1 0 0 0 0 0
    Income - Tax Transcripts Missing 1 1 0 0 0 0 0
    Income - Missing 4506-T less than 120 days 1 1 0 0 0 0 0
    Condo - Other 1 0 0 1 0 0 1
    Power of Attorney 1 1 0 0 0 0 0
    Borrower - Ineligible borrower 1 1 0 0 0 0 0
Valuation 12 10 0 2 0 0 4
    Appraisal - Value is not supported within 10% of original appraisal amount 8 8 0 0 0 0 0
    Appraisal - Value is supported within 10% of original appraisal amount 4 2 0 2 0 0 4