EFMT 2026-NQM12 ABS-15G

Exhibit 99.01 - Schedule 1

 

 

Rating Agency Grades
Run Date - 10/19/2026 10:15:14 AM
LOAN INFORMATION INITIAL CREDIT LOAN GRADES INITIAL COMPLIANCE LOAN GRADES INITIAL PROPERTY LOAN GRADES INITIAL OVERALL LOAN GRADES FINAL CREDIT LOAN GRADES FINAL COMPLIANCE LOAN GRADES FINAL PROPERTY LOAN GRADES FINAL OVERALL LOAN GRADES
AMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Deal Number Original Loan Amount MDBRS Fitch Kroll Moody's S&P MDBRS Fitch Kroll Moody's S&P MDBRS Fitch Kroll Moody's S&P MDBRS Fitch Kroll Moody's S&P MDBRS Fitch Kroll Moody's S&P MDBRS Fitch Kroll Moody's S&P MDBRS Fitch Kroll Moody's S&P MDBRS Fitch Kroll Moody's S&P
xxx 2187449 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2187395 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2187427 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2179958 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2194123 xxx       C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
xxx 2192267 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2203819 xxx       C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
xxx 2203820 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2210700 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2210696 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2210694 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2210695 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2210701 xxx       C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
xxx 2210697 xxx       D D D D D A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
xxx 2210699 xxx       A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
xxx 2216706 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216707 xxx       C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
xxx 2216715 xxx       C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
xxx 2216708 xxx       B B B B B A A A A A A A A A A B B B B B B B B B B A A A A A A A A A A B B B B B
xxx 2216709 xxx       A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
xxx 2216712 xxx       A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
xxx 2216710 xxx       C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
xxx 2216713 xxx       C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
xxx 2216704 xxx       C C C C D C C C C C A A A A A C C C C D A A A A A A A A A A A A A A A A A A A A
xxx 2216714 xxx       D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
xxx 2216705 xxx       C C C C D C C C C C A A A A A C C C C D A A A A A A A A A A A A A A A A A A A A
xxx 2213795 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213796 xxx       B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2213777 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2213848 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213782 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213787 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213845 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213790 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213850 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213812 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213815 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213828 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213841 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213820 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213835 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213818 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2213811 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213798 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213823 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2213801 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2207157 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2207152 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2207158 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2207160 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2207161 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2207193 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2207171 xxx       C C C C C N/A N/A N/A N/A N/A A A A A B C C C C C A A A A A N/A N/A N/A N/A N/A A A A A B A A A A B
xxx 2207189 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2207172 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2207180 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2202001 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2202006 xxx       B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2201963 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2201998 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2201987 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2201992 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2202004 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2201997 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2201974 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2201982 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2201979 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2202054 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2201971 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2201969 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2202051 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2202009 xxx       C C C C D N/A N/A N/A N/A N/A A A A A A C C C C D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2202059 xxx       B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2202066 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2202061 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2207010 xxx       A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
xxx 2204811 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204817 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204815 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204814 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2204816 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2204825 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204818 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204831 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204860 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204833 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204840 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204849 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204834 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204839 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204835 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204846 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204854 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2204832 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204858 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204852 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204843 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204838 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204875 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2204900 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204920 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204881 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204919 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204922 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204921 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204909 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204905 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204895 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204891 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204923 xxx       C C C C C N/A N/A N/A N/A N/A D D D D D D D D D D B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2204910 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204894 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2204903 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216623 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2216624 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216629 xxx       C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216622 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
xxx 2216681 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216653 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216667 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216668 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216672 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216671 xxx       D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216651 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
xxx 2216663 xxx       A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A