EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.1 - Schedule 2

 

 

Loan ID Redaction ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File? Unique Finding ID
XXXX 2175440 XXXX C A C A A A A A Closed XXXX 2026-06-05 15:53 2026-06-09 13:42 Resolved 1 - Information C A Credit Title Satisfactory Chain of Title not Provided Resolved-Received chain of title - Due Diligence Vendor-06/09/2026
Ready for Review-Document Uploaded. enclosed was in our initial loan submission... this deed shows borrower on title since XXXX  - Seller-06/08/2026
Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-06/05/2026
Ready for Review-Document Uploaded. enclosed was in our initial loan submission... this deed shows borrower on title since XXXX  - Seller-06/08/2026
Resolved-Received chain of title - Due Diligence Vendor-06/09/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.42

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704
  XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXXX XX Primary Residence Refinance Cash Out - Other N/A N/A XXXX