EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.02 - Schedule 1

 

Loan ID Seller Loan ID Investor Loan ID Field Name Verified Value Bid Tape Value Comment
2106665     Qualifying Housing Debt Income Ratio XXX XXX  
2106665     Total Qualified Assets Available For Reserves XXX XXX using personal assets for reserves
2106665     Total Qualified Assets for Reserves Post-Close XXX XXX Per assets
2179488     Lock Date XX/XX/XXXX XX/XX/XXXX Per Lock Confirmation, lock date is XX/XX/XXXX
2179488     Total Qualified Assets Available For Reserves XXX XXX true data is pre closing assets and tape data is post closing assets
2179488     Total Qualified Assets for Reserves Post-Close XXX XXX Per assets
2143774     Qualifying CLTV 74.37 0.74 confirmed using 1008
2179415     Lock Date XX/XX/XXXX XX/XX/XXXX Verified with the Lock Confirmation
2179415     Total Qualified Assets for Reserves Post-Close XXX XXX Verified with the Asset
2179416     ARM Initial Interest Rate Maximum XXX XXX ARM Initial Interest Rate Maximum has been updated as per the note.
2179416     ARM Initial Interest Rate Minimum XXX XXX ARM Initial Interest Rate Maximum has been updated as per the note.
2179416     Number of Mortgaged Properties XXX XXX The number of mortgaged properties has been updated as per the Final 1003.
2179416     Total Qualified Assets for Reserves Post-Close XXX XXX Total Assets XXX - CTC XXX = XXX
2179417     Number of Mortgaged Properties XXX XXX Including subject property Updated Number of Mortgaged Properties is XXX
2179417     Total Qualified Assets for Reserves Post-Close XXX XXX Total Qualified Assets for Reserves Post Close is XXX updated as per Bank Statements in file.
2179418     Number of Mortgaged Properties XXX XXX Updated the mortgaged properties according to the properties the borrower owns
2179418     Total Qualified Assets for Reserves Post-Close XXX XXX Updated the post reserves closing according to the assets in file
2179419     Total Qualified Assets for Reserves Post-Close XXX XXX Assets has been confirmed with asset documents
2179420     Application Date XX/XX/XXXX XX/XX/XXXX Initial application date is updated as per the 1003 Initial
2179420     Lock Date XX/XX/XXXX XX/XX/XXXX lock date updated as per the Lock confirmation document page number XXX
2179420     Number of Mortgaged Properties XXX XXX Number of mortgage properties updated as per the Final 1003
2179420     Total Qualified Assets for Reserves Post-Close XXX XXX Total Qualified assets updates as per the documents
2179421     Number of Mortgaged Properties XXX XXX Number of mortgage properties updated as per the Final 1003 Mortgage properties.
2179422     ARM Initial Interest Rate Maximum XXX XXX Updated as per Note Document
2179422     ARM Initial Interest Rate Minimum XXX XXX Updated as per Note document
2179422     Total Qualified Assets for Reserves Post-Close XXX XXX Verified with Asset document
2179423     Number of Mortgaged Properties XXX XXX there are totally XXX mortgage properties including subject and primary
2179423     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as per the doc
2179424     Number of Mortgaged Properties XXX XXX Number of mortgaged properties updated from Final 1003
2179424     Total Qualified Assets for Reserves Post-Close XXX XXX Total Qualified Assets for Reserves Post Close updated as per recent available asset updated
2179425     ARM Initial Interest Rate Maximum XXX XXX ARM Initial interest rate updated as per Note
2179425     ARM Initial Interest Rate Minimum XXX XXX ARM Initial interest rate updated as per Note
2179425     Number of Mortgaged Properties XXX XXX Number of mortgage properties updated as per the borrower having Mortgaged properties in Final 1003
2179425     Total Qualified Assets for Reserves Post-Close XXX XXX Total Qualified Asset for Reserves Post Close updated as per the Recent asset document.
2179426     Number of Mortgaged Properties XXX XXX Updated as per Final 1003
2179426     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as per Assets document
2179427     Lock Date XX/XX/XXXX XX/XX/XXXX Updated as per the Lock confirmation document
2179427     Number of Mortgaged Properties XXX XXX Updated as per the Final 1003 document
2179427     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as per the Assets Document in the file
2179431     Number of Mortgaged Properties XXX XXX Including Subject Property Number of Mortgage Properties is XXX
2179432     Number of Mortgaged Properties XXX XXX UPDATED PER Final 1003
2179432     Total Qualified Assets for Reserves Post-Close XXX XXX ASSETS UPDATED PER DOCUMENTS
2179433     Number of Mortgaged Properties XXX XXX Per Final 1003, XXX total property reflected. Tape date is number of total mortgages reflected.
2179433     Total Qualified Assets for Reserves Post-Close XXX XXX Per asset documentation, total post close assets are $XXX. XXX #XXX included at XXX% as is a business account and business has XXX members. Tape data includes cash back at closing.
2179434     Number of Mortgaged Properties XXX XXX properties updated
2179434     Total Qualified Assets for Reserves Post-Close XXX XXX assets updated per documents in the file
2179435     Number of Mortgaged Properties XXX XXX True Data reflects the number of financed mortgages which includes the this transaction.
2179436     Total Qualified Assets for Reserves Post-Close XXX XXX Updated the assets according to the DSCR loan worksheet
2179437     Total Qualified Assets for Reserves Post-Close XXX XXX assets confirmed per documentation
2179438     Number of Mortgaged Properties XXX XXX CPR (XXX) has existing 1st mtg with XXX Mortgage pg #XXX and Newly Proposed Purchase money for (subject property) XXX pg #XXX
2179438     Total Qualified Assets for Reserves Post-Close XXX XXX AUDIT: Verified following assets: XXX XXX #XXX-$XXX) XXX #XXX-$XXX) XXX #XXX-$XXX.. ggregate Total=$XXX and Cash to close-$XXX... Net assets for reserves post close-$XXX
2179439     Number of Mortgaged Properties XXX XXX Tape data is correct.
2179439     Total Qualified Assets for Reserves Post-Close XXX XXX True Data is correct
2179440     Total Qualified Assets for Reserves Post-Close XXX XXX Per assets in file
2179441     Number of Mortgaged Properties XXX XXX XXX REOs listed on 1003
2179441     Qualifying CLTV 74.94 0.75 LTV = 94.94 - rounded up
2179441     Total Qualified Assets for Reserves Post-Close XXX XXX removed coinbase from assets - per guidelines virtual currency is not allowed
2179489     Qualifying CLTV 37.04 0.37 Verified Lenders 1008 reflects Qualifying CLTV 37.04 %
2179442     Application Date XX/XX/XXXX XX/XX/XXXX Application date taken from pg XXX and suported by Initial LE in file
2179442     Total Qualified Assets for Reserves Post-Close XXX XXX Variance due to XXX EMD not verified as cleared. Lender used XXX pg XXX actual balance XXX - XXX + XXX as assets. Audit used actual available balance XXX and did not credit the EMD of XXX Additionally cash to close per Final 1003 XXX vs HUD XXX
2179443     Number of Mortgaged Properties XXX XXX LM will not allow a XXX entry, hence XXX was entered. Borrower does not have a mortgaged property at this time
2179443     Total Qualified Assets for Reserves Post-Close XXX XXX Possible rounding issue as variance is XXX
2179445     Total Qualified Assets for Reserves Post-Close XXX XXX Amount reflects the available assets via documentation in file
2179446     Number of Mortgaged Properties XXX XXX XXX financed properties including subject property
2179446     Total Qualified Assets for Reserves Post-Close XXX XXX total verified assets for reserves is XXX pg. XXX
2179447     Number of Mortgaged Properties XXX XXX Verified Number of Mortgaged Properties XXX with this loan
2179447     Total Qualified Assets for Reserves Post-Close XXX XXX Verified Total Qualified Assets for Reserves Post-Close $ XXX
2179448     Number of Mortgaged Properties XXX XXX Borrower has XXX additional mortgaged property with XXX and the new subject mortgage.
2179448     Total Qualified Assets for Reserves Post-Close XXX XXX Amount reflects the available assets to qualify va documentation found in file. Post close reserves requirements are met.
2179449     Number of Mortgaged Properties XXX XXX Verified Number of Mortgaged Properties XXX with this loan
2179449     Qualifying CLTV 72.89 0.73 Verified Lenders 1008 reflects Qualifying CLTV 72.89%
2179449     Total Qualified Assets for Reserves Post-Close XXX XXX Verified Total Qualified Assets for Reserves Post-Close $ XXX
2179450     Total Qualified Assets for Reserves Post-Close XXX XXX Total assets = XXX (last bk stmnt) + XXX (Cash out from proceeds) = XXX
2179452     Number of Mortgaged Properties XXX XXX Updated Number of Mortgages from 1003
2179452     Total Qualified Assets for Reserves Post-Close XXX XXX Asset Verified using Asset Statement in File
2179453     Total Qualified Assets for Reserves Post-Close XXX XXX funds for assets XXX did not use the large deposit of XXX Not seasoned.
2179455     Total Qualified Assets for Reserves Post-Close XXX XXX Funds available for closing $XXX. Borrower did not have to bring cash to sloe. Sufficient funds for reserves
2179456     Number of Mortgaged Properties XXX XXX Confirms with credit report and mortgage Statement.
2179456     Total Qualified Assets for Reserves Post-Close XXX XXX Confirms with recent asset Statements.
2179457     Number of Mortgaged Properties XXX XXX per Credit Report/ Final 1003
2179457     Total Qualified Assets for Reserves Post-Close XXX XXX Total assets are XXX minus cash to close per Final CD XXX = XXX
2179459     Qualifying CLTV 74.77 0.75 the actual qualifying CLTV is 74.77% the system just round it up to .75%
2179459     Total Qualified Assets for Reserves Post-Close XXX XXX The borrowers have sufficient reserves to cover XX/XX/XXXX Months of PITI
2179460     Number of Borrowers XXX XXX Confirmed; only XXX borrower signed the note.
2179460     Total Qualified Assets for Reserves Post-Close XXX XXX Data verified
2179462     Total Qualified Assets for Reserves Post-Close XXX XXX Asset updated as per Final 1003 and asset Statements
2179463     Number of Mortgaged Properties XXX XXX Verified Number of Mortgaged Properties XXX with this loan
2179464     Total Qualified Assets for Reserves Post-Close XXX XXX Assets verified per Statement in file and calculated per guidelines
2179465     ARM Initial Interest Rate Maximum XXX XXX ARM initial rate is correct
2179465     ARM Initial Interest Rate Minimum XXX XXX ARM initial rate is correct
2179465     Number of Mortgaged Properties XXX XXX Number of properties is correct including new property
2179465     Total Qualified Assets for Reserves Post-Close XXX XXX Total assets correct per assets on file
2179466     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as per Asset Document
2179467     Total Qualified Assets for Reserves Post-Close XXX XXX Assets verified using Statement
2179468     Total Qualified Assets for Reserves Post-Close XXX XXX The auditor’s calculated amount of XXX does not match the amount on the tape date.
2179469     Total Qualified Assets for Reserves Post-Close XXX XXX Rounding
2179470     Number of Mortgaged Properties XXX XXX Updated as per the Mortgaged Properties.
2179470     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as per the document in this file.
2179471     Number of Mortgaged Properties XXX XXX Number of Mortgaged Properties Updated as Per Final 1003.
2179471     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as Per Assets
2179474     Number of Mortgaged Properties XXX XXX Number of Mortgaged Properties updated as per Final 1003
2179474     Total Qualified Assets for Reserves Post-Close XXX XXX Total Qualified Assets for Reserves Post-Close updated as per asset Statements
2179475     ARM Initial Interest Rate Maximum XXX XXX Percent vs Decimal format
2179475     ARM Initial Interest Rate Minimum XXX XXX Percent vs Decimal format
2179475     Total Qualified Assets for Reserves Post-Close XXX XXX Assets match the documentation provided
2179476     Number of Mortgaged Properties XXX XXX Confirmed with 1003's.
2179476     Total Qualified Assets for Reserves Post-Close XXX XXX Verified with Bank Statements
2179477     Number of Mortgaged Properties XXX XXX Per Final 1003's, XXX total properties reflected. Tape date is number of total mortgages reflected.
2179477     Total Qualified Assets for Reserves Post-Close XXX XXX Amount reflects the available assets via documentation found in file
2179478     Number of Mortgaged Properties XXX XXX Updated as per Credit Report.
2179478     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as per latest asset document.
2179479     Number of Mortgaged Properties XXX XXX Updated as per Final 1003
2179479     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as per Assets document
2179481     Number of Mortgaged Properties XXX XXX per credit report and Final 1003.
2179481     Total Qualified Assets for Reserves Post-Close XXX XXX per assets
2179482     Number of Mortgaged Properties XXX XXX Confirmed property ownership.
2179483     ARM Initial Interest Rate Maximum XXX XXX Updated as per Note.
2179483     ARM Initial Interest Rate Minimum XXX XXX Updated as per Note.
2179483     Total Qualified Assets for Reserves Post-Close XXX XXX Updated as per recent asset document.
2179484     Number of Mortgaged Properties XXX XXX see 1003
2179484     Total Qualified Assets for Reserves Post-Close XXX XXX See Assets
2179485     Number of Mortgaged Properties XXX XXX Updated as per Credit Report.
2179486     Total Qualified Assets for Reserves Post-Close XXX XXX Auditor verified assets-pg XXX Statement dated XX/XX/XXXX. Ending balance XXX x XXX%=$XXX
2179487     Number of Mortgaged Properties XXX XXX With subect property XXX mortgage properties- primary has a heloc credit report shows a zero balance but account open.
2179487     Total Qualified Assets for Reserves Post-Close XXX XXX updated per assets Statements in file