Exhibit 99.01
Schedule 1. Digital Risk Findings Summary Report
EFMT 2026-CNF1 Rebuttal Findings_Redacted
Seller:
Deal ID:
Total Loan Count: 552
| Loans by Grade in Population | ||
| Loan Grade | Count | Percentage |
| 1 | 359 | 65.04% |
| 2 | 193 | 34.96% |
| Trade Summary | ||
| Loan Status | Count | Percentage |
| Review Complete | 550 | 99.64% |
| In Rebuttal | 2 | 0.36% |
| Finding Status | Final Finding Grade | ||||||||||
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |
| 3 | 417 | 414 | 417 | 0 | 414 | 0 | 0 | 0 | 0 | 147 | 270 |
| 4 | 10 | 10 | 10 | 0 | 10 | 0 | 0 | 0 | 0 | 0 | 10 |
| 2 | 71 | 1 | 1 | 2 | 1 | 0 | 0 | 0 | 0 | 71 | 0 |
| 1 | 1244 | 21 | 21 | 1218 | 1 | 0 | 20 | 0 | 0 | 1 | 1243 |
| Initial Finding Grade | Final Finding Grade | ||||||
| Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | 230 | 161 | 1 | 68 | 0 | 0 | 83 |
| TRID - CD - Section B incorrect payee | 44 | 0 | 0 | 44 | 0 | 0 | 44 |
| QM - Points and Fees | 36 | 36 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (No Valid COC) | 25 | 25 | 0 | 0 | 0 | 0 | 9 |
| Security Instrument - Incomplete | 12 | 7 | 0 | 5 | 0 | 0 | 5 |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 11 | 11 | 0 | 0 | 0 | 0 | 0 |
| Compliance Finding - Other | 10 | 10 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial LE/Delivery Date (from application) | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (No Valid COC) | 8 | 8 | 0 | 0 | 0 | 0 | 2 |
| TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 7 | 7 | 0 | 0 | 0 | 0 | 1 |
| TRID - LE/Revised LE Delivery Date (prior to consummation) | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Loan Disclosures/Escrow Account | 5 | 0 | 0 | 5 | 0 | 0 | 5 |
| TRID - CD/Payee Not Listed | 5 | 0 | 0 | 5 | 0 | 0 | 5 |
| TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Inaccurate | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (Revised Disclosure Late) | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| FACTA Disclosure - Missing | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| HOC - Late | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| HOC - Missing | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - LE/Revised Delivery Date (after issue of CD) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Revised CD Delivery Date (No Waiting Period) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing Rider/Addendum | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Note - Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| ROR - Timing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Power of Attorney Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| HOC - Undated | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - Non-Borrower with Right to Rescind | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Total of Payments (TOP) Non-Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State Disclosure - Ohio Disclosure of Right Not to Close/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Closing Information/Closing Date | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - Incomplete / Inaccurate - Non-Rescindable Transaction | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Credit | 65 | 56 | 9 | 0 | 0 | 0 | 3 |
| MI - Missing Documentation | 10 | 5 | 5 | 0 | 0 | 0 | 0 |
| Assets - Cash to Close | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| Debts - Not Verified | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| Gift Letter - No Evidence of Funds | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Liabilities - Excluded Debts | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Borrower - (EAD) Risk Category | 3 | 3 | 0 | 0 | 0 | 0 | 3 |
| Credit Missing - One or More Reports Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Gift Letter - Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Large Deposits/Unacceptable | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Bank Statements | 2 | 0 | 2 | 0 | 0 | 0 | 0 |
| Liabilities - Missing Debts/ DTI Exceeds Tolerance | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| DTI - Exceeds Guidelines - originator (not pcqc eligible) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Title Report - Lien Position | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Condo - Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Social Security/Pension | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Insufficient Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Other | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Contract Addendum - Missing Signature(s) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Contract Addendum - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Business Tax Returns | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Residency Alien Documentation | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Liabilities - Collection Account | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Assets - Earnest money/Missing Sales Contract | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Income - Miscalculated/DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - W2(s) Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Hazard Insurance - Missing/Insufficient | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Pay Stubs Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Inquiries | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Missing required 1004 D | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Valuation | 204 | 200 | 0 | 3 | 0 | 0 | 133 |
| Appraisal - Value is not supported within 10% of original appraisal amount | 201 | 200 | 0 | 0 | 0 | 0 | 130 |
| Appraisal - Value is supported within 10% of original appraisal amount | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
