EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.09 - Schedule 7

 

ALT Loan ID Loan ID Seller Loan ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
2215387 XXXX   XXXX XXXX Borrower 1 Last Name notePage XXXXX XXXXX Audit Value Pulled from Note.
2207154 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit value pulled from 1008.
2202084 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled From 1008.
2202056 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value pulled from 1008.
2201986 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit value pulled from 1008.
2201964 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled From 1008.
2202048 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled from 1008
2202011 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit Value Pulled From 1008.
2207153 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit value based on documents located in the loan file.
2201991 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit value pulled from 1008
2201976 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled From 1008.
2202019 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled from 1008
2201990 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit value pulled from 1008.
2202068 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled from 1008"
2202068 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201996 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit Value Pulled From 1008.
2201975 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit Value Pulled from Final 1008.
2202036 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit Value Pulled From 1008.
2202065 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled from 1008
2202080 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled From 1008.
2202073 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled From 1008.
2201977 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit value Pulled From 1008
2202003 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit Value Pulled From 1008.
2213776 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2213776 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled From 1008
2204819 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled From 1008.
2204819 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2204827 XXXX   XXXX XXXX Loan Type the1003Page DSCR Conventional Audit Value Pulled From 1008.
2202000 XXXX   XXXX XXXX Loan Type   DSCR Conventional Audit Value Pulled From 1008.
2207154 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202084 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202056 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201986 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201964 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit value based on lender on Note - lender is CDFI Exempt
2202048 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202063 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202011 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based n Note-Lender is CDFI Exempt.
2207153 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201991 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201976 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202019 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201990 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201996 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201975 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202036 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202065 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202080 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202073 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2201977 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202003 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Noted-Lender is CDFI Exempt.
2204827 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202000 XXXX   XXXX XXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit Value based on Note-Lender is CDFI Exempt.
2202019 XXXX   XXXX XXXX Property Address notePage XXXXX XXXXX Audit Value Pulled from Note.
2201976 XXXX   XXXX XXXX Property Type propertyValuationPage Condominium Single Family Detached Audit Value Pulled from Appraisal.
2201659 XXXX   XXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled from Appraisal.
2211713 XXXX   XXXX XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Audit Value pulled from Appraisal.
2201662 XXXX   XXXX XXXX Property Type propertyValuationPage PUD Single Family Detached Audit Value Pulled From Appraisal
2207108 XXXX   XXXX XXXX Property Type propertyValuationPage PUD Single Family Detached Audit Value Pulled from Appraisal.
2211717 XXXX   XXXX XXXX Property Type propertyValuationPage PUD Single Family Detached Audit Value Pulled From Appraisal.
2202036 XXXX   XXXX XXXX Qualifying CLTV propertyValuationPage 59.93 59.92 Rounding
2202073 XXXX   XXXX XXXX Qualifying FICO creditLiabilitiesPage 808 831 Audit value based on lender qualifying requirements.
2202036 XXXX   XXXX XXXX Qualifying LTV propertyValuationPage 59.93 59.92 Rounding
2211720 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 39.88 41.33 Audit value based on loan documents in the loan file.
2201662 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 47.84 47.85 Audit Reflects Difference in subject XXX Due per documents in the loan file.
2207098 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 17.71 17.70 Audit liabilities were based on documents in loan file
2201661 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 39.08 39.15 Audit DTI difference is due to liabilities based on documents in loan file.
2207099 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.69 41.91 Audit liabilities were based on documents in the loan file.
2207109 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 28.13 28.22 Audit reflects difference in subject XXX Dues per documents in the loan file.
2211718 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 14.66 14.64 Audit liabilities were based on documents in the loan file.
2211716 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 33.65 33.60 Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX.
2207103 XXXX   XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 32.28 32.46 Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX.