EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.55

Seller

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

1865999

Closed

2024-09-09 13:56

2024-12-12 20:45

Waived

2 - Non-Material

Credit

Missing Doc

Missing Mortgage Riders - Prepayment Rider

Waived-Lender provided approved exception dated post consummation to allow for no PPP rider retroactive to new GL. All lender compensating factors have been documented and validated. - Due Diligence Vendor-09/10/2024 Ready for Review-Document Uploaded.  - Buyer-09/10/2024 Open-Missing Mortgage Rider - Prepayment rider - Due Diligence Vendor-09/09/2024

FICO greater than minimum required LTV less than maximum required Reserves greater than required - 09/10/2024

Waived-Lender provided approved exception dated post consummation to allow for no PPP rider retroactive to new GL. All lender compensating factors have been documented and validated. - Due Diligence Vendor-09/10/2024

Exception.pdf

Reserves of 200 months > 12 months minimum DSCR of 1.46 > 1.00 minimum

AL

Investment

Purchase

NA

2333067

Investor Post-Close

No