Exhibit 99.01

Schedule 1. Digital Risk Findings Summary Report

 

EFMT 2026-AE5 Rebuttal Findings_Redacted

Seller:

Deal ID:

Total Loan Count: 663

 

Loans by Grade in Population
Loan Grade Count Percentage
1 560 84.46%
2 100 15.08%
3 3 0.45%
 

 

 

Trade Summary
Loan Status Count Percentage
Review Complete 624 94.12%
In Rebuttal 39 5.88%
 

 

        Finding Status Final Finding Grade
Initial Findings Grade Count Rebuttal Received Responses Given Open Resolved UpHeld Void 3 4 2 1
3 357 327 356 4 335 0 0 3 0 50 304
4 13 13 13 0 13 0 0 0 0 0 13
2 24 0 0 1 0 0 0 0 0 23 1
1 1685 7 9 1616 2 0 7 0 0 36 1649

 

    Initial Finding Grade Final Finding Grade
Exceptions Count 3 4 2 3 4 2
Compliance 130 106 1 23 0 0 42
    QM - Points and Fees 21 21 0 0 0 0 0
    TRID - Zero Tolerance Violation (No Valid COC) 19 19 0 0 0 0 10
    Security Instrument - Incomplete 12 12 0 0 0 0 0
    TRID - 10% Tolerance Violation (No Valid COC) 8 8 0 0 0 0 4
    Security Instrument - Inaccurate 6 6 0 0 0 0 0
    TRID - CD - Section B incorrect payee 6 0 0 6 0 0 6
    State Regulations 6 0 0 6 0 0 6
    TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable 6 6 0 0 0 0 0
    TRID - 10% Tolerance Violation (Disclosure Timing Fail) 3 3 0 0 0 0 1
    TRID - Initial LE/Delivery Date (from application) 3 3 0 0 0 0 0
    TRID - Zero Tolerance Violation (Disclosure Timing Fail) 3 3 0 0 0 0 0
    TRID - CD - $100 Tolerance Threshold/Non-Rescindable 3 3 0 0 0 0 1
    HOC - Missing 3 0 0 3 0 0 3
    Security Instrument - Missing Rider/Addendum 3 3 0 0 0 0 0
    FACTA Disclosure - Missing 3 0 0 3 0 0 3
    HOC - Late 2 0 0 2 0 0 2
    TRID - Zero Tolerance Violation (No COC - Date Undeterminable) 2 2 0 0 0 0 1
    TRID - LE/Revised LE Delivery Date (prior to consummation) 2 2 0 0 0 0 0
    Security Instrument - Name Discrepancy 2 2 0 0 0 0 0
    Compliance Finding - Missing Business Purpose Documentation 2 2 0 0 0 0 0
    Compliance Finding - Other 2 2 0 0 0 0 0
    TRID - CD - Revised CD Delivery Date (No Waiting Period) 1 1 0 0 0 0 0
    State Disclosure - Georgia Right to Select an Attorney/Missing 1 1 0 0 0 0 0
    TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) 1 1 0 0 0 0 0
    Security Instrument - Missing 1 0 1 0 0 0 0
    Federal Testing 1 1 0 0 0 0 0
    TRID - CD/Lender Credits that Cannot Decrease (No COC - Date Undeterminable) 1 1 0 0 0 0 0
    TRID - CD - Total of Payments (TOP) Non-Rescindable 1 1 0 0 0 0 1
    TRID - Zero Tolerance Violation (Revised Disclosure Late) 1 1 0 0 0 0 0
    TRID - CD/Payee Not Listed 1 0 0 1 0 0 1
    State Testing - Late Fees Test 1 0 0 1 0 0 1
    TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) 1 1 0 0 0 0 0
    TRID - CD - APR Fail/Non-Rescindable 1 1 0 0 0 0 1
    State Testing - Prohibited Fees 1 0 0 1 0 0 1
Credit 148 136 12 0 0 0 17
    Debts - Not Verified 34 34 0 0 0 0 3
    Appraisal - Other 13 13 0 0 0 0 0
    Income - Rental Property Income 7 7 0 0 0 0 1
    MI - Missing Documentation 7 2 5 0 0 0 0
    Borrower - (EAD) Risk Category 6 6 0 0 0 0 5
    Credit - Other 6 6 0 0 0 0 0
    Assets - Bank Statements 5 0 5 0 0 0 0
    Hazard Insurance - Missing/Insufficient 5 5 0 0 0 0 1
    Income - Insufficient Documentation 5 5 0 0 0 0 0
    Liabilities - Excluded Debts 4 4 0 0 0 0 1
    FEMA 4 4 0 0 0 0 0
    Assets - Minimum Reserves 3 3 0 0 0 0 0
    Verification Documentation - VVOE Salaried/Missing 2 2 0 0 0 0 0
    Credit Report - Other 2 2 0 0 0 0 0
    Assets - Cash to Close 2 2 0 0 0 0 1
    Verification Documentation - VOR 2 2 0 0 0 0 0
    Condo - Documentation 2 2 0 0 0 0 0
    Income - Business Tax Returns 2 2 0 0 0 0 0
    Income - Tax Return Documentation Incomplete 2 2 0 0 0 0 0
    AUS - Invalid 2 2 0 0 0 0 1
    Income - W2(s) Missing 2 2 0 0 0 0 0
    Verification Documentation - VVOE Salaried/Aged 2 2 0 0 0 0 0
    Assets - Other 2 2 0 0 0 0 1
    Income - Miscalculated/DTI Exceeds Tolerance 2 2 0 0 0 0 1
    Income - Other/Missing 2 2 0 0 0 0 0
    Title Commitment - Missing/Incomplete 1 1 0 0 0 0 0
    DTI - Exceeds Guidelines - originator (not pcqc eligible) 1 1 0 0 0 0 1
    Verification Documentation - VOE Self-Employed/Missing 1 1 0 0 0 0 0
    Title Commitment - Lien Position 1 1 0 0 0 0 0
    Income - Social Security/Pension 1 1 0 0 0 0 0
    Condo - Other 1 1 0 0 0 0 0
    Interested Party Contribution - Exceeds 1 1 0 0 0 0 0
    Appraisal - Appraisal Missing 1 1 0 0 0 0 0
    Appraisal - Aged > 120 days 1 1 0 0 0 0 0
    Income - Rental Property/Missing Lease 1 1 0 0 0 0 0
    AUS (LP/DU) - Missing 1 1 0 0 0 0 0
    Income - Employment Gaps 1 1 0 0 0 0 0
    Gift Letter - No Evidence of Funds 1 1 0 0 0 0 0
    Appraisal - Repairs 1 1 0 0 0 0 0
    AUS - Discrepancy/Conforming Loan 1 1 0 0 0 0 0
    Income Documentation - Violation 1 0 1 0 0 0 0
    Borrower - Identification 1 1 0 0 0 0 0
    Mortgage History - Missing/Incomplete 1 1 0 0 0 0 0
    Liabilities - Missing Debts/DTI Within Tolerance (43%) 1 0 1 0 0 0 0
    Income - Pay Stubs 1 1 0 0 0 0 0
    Assets - Large Deposits/Acceptable 1 1 0 0 0 0 0
    Data Only Review 1 1 0 0 0 0 0
    Assets - Source 1 1 0 0 0 0 1
Valuation 152 115 0 1 3 0 50
    Appraisal - Value is not supported within 10% of original appraisal amount 115 115 0 0 3 0 14
    Appraisal - Value is supported within 10% of original appraisal amount 37 0 0 1 0 0 36