EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.09 - Schedule 4

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower1 SSN Borrower2 SSN Borrower 3 SSN Borrower 4 SSN First Time Homebuyer Number of Units Maturity Date Note Type Loan Type Refinance Purpose Borrower 1 Mailing Street Address Borrower 1 Mailing City Borrower 1 Mailing State Borrower 1 Mailing Zip Code Borrower 2 Mailing Street Address Borrower 2 Mailing City Borrower 2 Mailing State Borrower 2 Mailing Zip Code Borrower 3 Mailing Street Borrower 3 Mailing City Borrower 3 Mailing State Borrower 3 Mailing Zip Borrower 4 Mailing Street Borrower 4 Mailing City Borrower 4 Mailing Zip Borrower 4 Mailing State Prepay Penalty Calculation Description Borrower 1 First Name Borrower 1 Last Name Borrower 2 First Name Borrower 2 Last Name Borrower 3 First Name Borrower 3 Last Name Borrower 4 First Name Borrower 4 Last Name Borrower 1 Employer Borrower 1 Position Borrower 2 Employer Borrower 2 Position Borrower 3 Employer Borrower 3 Position Borrower 4 Employer Borrower 4 Position First Time Investor Borrower 1 Years in Industry Borrower 2 Years in Industry Borrower 3 Years in Industry Borrower 4 Years in Industry Borrower 1 ITIN Borrower 2 ITIN Borrower 3 ITIN Borrower 4 ITIN Original Appraiser License  Number Original Appraiser Name Property Location Appraisal Company Title Company Name MERS MIN Number
2168017     xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 15919.84 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No xxxxx   xxxxx xxxxx xxxxx No   xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A xxxxx xxxxx xxxxx   Annually 36.56% 36.73% 36.73% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       0.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESCorp - Business Bank Statements Verified - 2025 Borrower - 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx       708                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No xxxxx xxxxx xxxxx Real ID Driver's License   xxxxx xxxxx xx/xx/xxxx     N/A                                                                                   Fee Simple   No No N/A 16814.27 6.8 16814.27 6.8 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx       false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx                         No Prepayment Penalty xxxxx xxxxx             xxxxx xxxxx             N/A - Not investment property 6       xxxxx       xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
2168019     xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 15013.88 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No xxxxx   xxxxx xxxxx xxxxx No   xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A     xxxxx     48.26% 49.35% 49.35% No No             Self-Employed Self-Employed         12 Month Bank Statement 1 1 NA NA N/A 0 N/A 0 0 0 0 0 1 0 Yes Yes No No 0 No Yes Yes 0 12 Yes Yes 0 12 0.00% 50.00% 50.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SEPartnership, SSI and Disability, Retirement, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025 || Co Borrower - SEPartnership, SSI and Disability, Retirement - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2025 Borrower - 1 YR Executed 4506T Verified - 2025 || Co Borrower - 1 YR Executed 4506T Verified - 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx     729                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No xxxxx xxxxx xxxxx Enhanced Driver's License (MI, MN, NY, VT, WA)   xxxxx xxxxx xx/xx/xxxx     N/A     xxxxx xxxxx xxxxx Enhanced Driver's License (MI, MN, NY, VT, WA)   xxxxx xxxxx xx/xx/xxxx     N/A                                                         Fee Simple   No No N/A .00 0.0 195744.32 49.3 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx     false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx                 No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx         xxxxx xxxxx xxxxx xxxxx         N/A - Not investment property 1 1     xxxxx xxxxx     xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
2165555     xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 xxxxx xxxxx xxxxx No   xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx   N/A xxxxx xxxxx xxxxx   Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.146 1.14   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx       748                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No xxxxx xxxxx xxxxx Passport   xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A                                                                                   Fee Simple   No No N/A 61850.13 27.3 61850.13 27.3 No 74.74 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx       false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx                         5%, 5%, 5% xxxxx xxxxx                             Yes         xxxxx       xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
2163593     xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $300.00 xxxxx xxxxx xxxxx No   xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A     xxxxx     31.18% 31.18% 31.18% Yes               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx       783                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No     No xxxxx xxxxx xxxxx Real ID Driver's License   xxxxx xxxxx xx/xx/xxxx     N/A                                                                                   Fee Simple   No No N/A 20063.95 8.0 20063.95 8.0 No 85.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx       false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx                         6 Months Interest xxxxx xxxxx             xxxxx xxxxx             No 5       xxxxx       xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
2173161     xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     xxxxx xxxxx xxxxx No   xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx Yes xxxxx xxxxx xxxxx 07/01/2026 Monthly 36.18% 37.21% 37.21% Yes               Employed           2YR Full Doc 2   1 Month   N/A 0     0 0     2 2 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%     N/A 0 N/A       NA 0 No   Yes 24 24 Work Number     0   No 0   N/A Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx       781                 No                                       NA     0       0     0     0   1 0 0 0 0 0 0 0 1 0 0 Unknown No     No xxxxx xxxxx xxxxx Standard Driver's License - Not for federal use   xxxxx xxxxx xx/xx/xxxx     N/A                                                                                   Fee Simple   No No N/A 88352.89 38.3 88352.89 38.3 No 75.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx       false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx                         No Prepayment Penalty xxxxx xxxxx             xxxxx xxxxx             No 35       xxxxx       xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
2179916     xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 xxxxx xxxxx xxxxx No   xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx   N/A     xxxxx     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.01 1.01   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx       737                 No                                       NA     0       0     0     0   1 0 0 0 0 0 0 0 1 0 0 Unknown No     No xxxxx xxxxx xxxxx Real ID Driver's License   xxxxx xxxxx xx/xx/xxxx     N/A                                                                                   Fee Simple   No No N/A .00 0.0 90748.28 91.7 No 56.98 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx       false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx                         No Prepayment Penalty xxxxx xxxxx                             No         xxxxx       xxxxx xxxxx Suburban xxxxx xxxxx xxxxx