EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.09 - Schedule 1

 

Loan ID Customer Loan ID Seller Loan ID Note Date Original Loan Amount Last Name Property State Occupancy Purpose Originator QM Status TPR QM Status Exception ID Exception Number Exception Date Exception Type Exception Subcategory Exception Exception Remedy Rebuttal TPR Response Compensating Factors Status Update Date Finding Status Initial Exception Grade Final Exception Grade Initial Loan Grade Final Loan Grade
2175375     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9578437 1 of 4 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing

  Document Uploaded. Please see attached.  - 06/06/2026

 Borrower 1 Gap Credit Report provided. Condition resolved. - 06/08/2026

   2026-06-08 16:06 Resolved 4 1 4 1
2175375     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9581353 2 of 4 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV.

  Document Uploaded. Please see attached xxxxx  - 06/08/2026
 1008 approval in file is for 90%. Condition resolved. - 06/09/2026

   2026-06-09 13:39 Resolved 3 1 4 1
2175375     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9584340 3 of 4 xx/xx/xxxx Compliance Missing Service Provider List The loan file does not contain the Service Provider List. Service Provider List was not completed.



  Document Uploaded. Please see attached regarding the Service Provider List, thanks.  - 06/08/2026

 If no providers are identified on the SSP list, then fees in section C should be tested at 10%.  Section C fees and all other 10% fees do not exceed 10%.  - 06/09/2026

   2026-06-09 13:27 Resolved 4 1 4 1
2175375     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9590676 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-05 20:23 Cleared 1 1 4 1
2187512     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9938940 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-25 16:07 Cleared 1 1 1 1
2187512     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9938941 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 16:07 Cleared 1 1 1 1
2187512     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9941851 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-25 18:42 Cleared 1 1 1 1
2187514     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10188919 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-10 23:03 Cleared 1 1 4 2
2187514     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10189386 2 of 3 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing

  Document Uploaded.  - 07/14/2026

 Approved Exception provided for using Gap Report dated after Note Date. - 07/15/2026

Borrower 1 Gap Credit Report is not missing. - 07/15/2026

 Low DTI of 15.55%, Residual income of $xxxxx.  2026-08-14 20:41 Waived 4 2 4 2
2187514     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10203525 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-13 13:48 Cleared 1 1 4 2
2187513     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10245783 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-14 21:07 Cleared 1 1 3 1
2187513     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10245785 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-14 21:07 Cleared 1 1 3 1
2187513     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10246309 3 of 3 xx/xx/xxxx Compliance Collateral Protection Notice is Missing Collateral Protection notice is missing.

  property has sufficient xxx coverage of XXXX.  This form is N/A - 07/15/2026
 Disclosure not required in xx - 07/16/2026
   2026-07-16 16:59 Resolved 3 1 3 1