EXHIBIT 99.8
CONSOLIDATED ANALYTICS DATA COMPARE REPORT
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 61 | XXXXXX |
Qualifying CLTV | 45.6 |
46.0 |
Per Appraisal | |||||||
| 61 | XXXXXX |
Qualifying LTV | 45.6 |
46.0 |
Per Appraisal | |||||||
| 61 | XXXXXX |
Total Qualified Assets Post-Close | 199675.17 |
209693.79 |
per Assets | |||||||
| 61 | XXXXXX |
Qualifying Total Debt Income Ratio | 43.05 |
44.81 |
Per REO docs. CA have lower taxes per cert provided | |||||||
| 71 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
XXXXXX per the note | |||||||
| 71 | XXXXXX |
Qualifying CLTV | 71.16 |
72.0 |
71.16 is the actual CLTV. 72 is rounded by the AUS | |||||||
| 71 | XXXXXX |
Qualifying LTV | 71.16 |
72.0 |
71.16 is the actual LTV. 72 is rounded by the AUS | |||||||
| 71 | XXXXXX |
Total Qualified Assets Post-Close | 185047.54 |
618190.0 |
185047.54 is the total verified assets post closing. The lenders assets are prior to closing, but minus the EMD. | |||||||
| 71 | XXXXXX |
Qualifying Total Debt Income Ratio | 29.69 |
29.64 |
The HOA for the retained residence is $175 monthly, The lender included $139 monthly. The increase to the DTI is within tolerance. Resubmission is not required. | |||||||
| 72 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
address is correct | |||||||
| 72 | XXXXXX |
Qualifying CLTV | 79.34 |
79.33 |
correct | |||||||
| 72 | XXXXXX |
Qualifying LTV | 79.34 |
79.33 |
correct | |||||||
| 72 | XXXXXX |
Total Qualified Assets Post-Close | 176615.92 |
334480.43 |
Total post close assets are correct | |||||||
| 72 | XXXXXX |
Qualifying Total Debt Income Ratio | 38.81 |
39.0 |
CLTV correct | |||||||
| 77 | XXXXXX |
Total Qualified Assets Post-Close | 3432604.3 |
3694651.32 |
Per Assets | |||||||
| 77 | XXXXXX |
Qualifying Total Debt Income Ratio | 19.19 |
21.05 |
Per REO docs . housing updated per mortgage stmt on file | |||||||
| 70 | XXXXXX |
Borrower 2 SSN | XXXXXX |
XXXXXX |
Per 1003 | |||||||
| 70 | XXXXXX |
Total Qualified Assets Post-Close | 133757.88 |
453564.34 |
Per Assets | |||||||
| 87 | XXXXXX |
Borrower 2 SSN | XXXXXX |
XXXXXX |
The 1003, tax return and transcripts match the Audit true data #1012. | |||||||
| 87 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
$240.37 per the dec page (p.1627) and the final CD | |||||||
| 87 | XXXXXX |
Total Qualified Assets Post-Close | 119099.76 |
377738.76 |
$377,738.76 Total available assets verified by Audit Prior to Closing $377,738.76 Total available assets verified by Lender/AUS Prior to Closing $119,099.76 Total available assets verified by Audit Post-Closing | |||||||
| 158 | XXXXXX |
Total Qualified Assets Post-Close | 194617.54 |
433968.78 |
The verified assets are insufficient. The loan file contains two XXX accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. | |||||||
| 68 | XXXXXX |
Total Qualified Assets Post-Close | 215766.81 |
485550.95 |
All assets are missing at this time. Assets were entered by Pre UW as listed on the final 1003/entered in the AUS | |||||||
| 68 | XXXXXX |
Qualifying Total Debt Income Ratio | 28.63 |
29.0 |
28.63 is the actual DTI. 29 is rounded by the AUS | |||||||
| 157 | XXXXXX |
Total Closing Costs | 11018.87 |
26528.04 |
Per CD | |||||||
| 157 | XXXXXX |
Qualifying CLTV | 58.87 |
59.0 |
Per CLTV | |||||||
| 157 | XXXXXX |
Qualifying LTV | 58.87 |
59.0 |
Per LTV | |||||||
| 157 | XXXXXX |
Total Qualified Assets Post-Close | 263725.15 |
1065429.4 |
Per assets | |||||||
| 155 | XXXXXX |
Total Qualified Assets Post-Close | 28304.09 |
32076.71 |
Per assets | |||||||
| 154 | XXXXXX |
Borrower 1 First Name | XXXXXX |
XXXXXX |
Capitalization. | |||||||
| 154 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
Capitalization. | |||||||
| 154 | XXXXXX |
Borrower 2 First Name | XXXXXX |
XXXXXX |
Capitalization. | |||||||
| 154 | XXXXXX |
Qualifying CLTV | 79.9 |
80.0 |
Rounding. | |||||||
| 154 | XXXXXX |
Qualifying LTV | 79.9 |
80.0 |
Rounding. | |||||||
| 154 | XXXXXX |
Total Qualified Assets Post-Close | 179703.07 |
110295.51 |
Total qualified assets post closing confirmed with asset documentation in file. | |||||||
| 154 | XXXXXX |
Qualifying Total Debt Income Ratio | 43.26 |
38.78 |
. | |||||||
| 93 | XXXXXX |
Qualifying CLTV | 69.51 |
70.0 |
Tape data matches findings which is rounded up. | |||||||
| 93 | XXXXXX |
Qualifying LTV | 69.51 |
70.0 |
Tape data matches findings which is rounded up. | |||||||
| 93 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data matches documents in the file and matches Final CD. | |||||||
| 93 | XXXXXX |
Total Qualified Assets Post-Close | 333814.38 |
1727776.52 |
True data is assets after close. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 183 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
True data verified per Note. | |||||||
| 183 | XXXXXX |
Qualifying Interest Rate | 6.5 |
6.625 |
True data verified per note. | |||||||
| 183 | XXXXXX |
Number of Units | 1 |
11 |
True data verified per appraisal. | |||||||
| 183 | XXXXXX |
Qualifying FICO | 790 |
0.0 |
True data verified per credit report. | |||||||
| 183 | XXXXXX |
Qualifying Total Debt Income Ratio | 29.81 |
48.43 |
True data verified per income docs, credit report and other documents. | |||||||
| 66 | XXXXXX |
Total Qualified Assets Post-Close | 203863.8 |
503756.03 |
True data verified per bank statements. | |||||||
| 66 | XXXXXX |
Qualifying Total Debt Income Ratio | 48.63 |
49.0 |
True data verified per credit report and other loan documents. | |||||||
| 59 | XXXXXX |
Property County | XXXXXX |
XXXXXX |
County is correct | |||||||
| 59 | XXXXXX |
Total Qualified Assets Post-Close | 671147.42 |
732493.73 |
post close assets are confirmed | |||||||
| 59 | XXXXXX |
Qualifying Total Debt Income Ratio | 44.94 |
47.71 |
DTI has been confirmed | |||||||
| 90 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
Per note borrower last name is XXX. | |||||||
| 90 | XXXXXX |
Total Qualified Assets Post-Close | 477166.22 |
593296.49 |
Discrepancy is due to data entry, True Data is correct | |||||||
| 64 | XXXXXX |
Qualifying CLTV | 79.45 |
80.0 |
As per Loan amount / Appraisal value 79.45% LTV. Tape data is AUS LTV rounded up to 80%. | |||||||
| 64 | XXXXXX |
Qualifying LTV | 79.45 |
80.0 |
As per Loan amount / Appraisal value 79.45% LTV. Tape data is AUS LTV rounded up to 80%. | |||||||
| 64 | XXXXXX |
Qualifying Total Debt Income Ratio | 42.48 |
43.5 |
||||||||
| 69 | XXXXXX |
Qualifying FICO | 734 |
0.0 |
True data verified per credit report. | |||||||
| 69 | XXXXXX |
Qualifying Total Debt Income Ratio | 48.92 |
48.64 |
True data verified per credit report and other loan documents. | |||||||
| 187 | XXXXXX |
Total Closing Costs | 27277.86 |
112757.11 |
As per Final CD Closing Costs of $27,277.86. Tape data figure of $112,757.11 is the seller credits total costs identified on the 1003. | |||||||
| 187 | XXXXXX |
Qualifying FICO | 796 |
0.0 |
As per median credit score determined by audit and AUS. Tape data is 0. | |||||||
| 187 | XXXXXX |
Qualifying CLTV | 48.28 |
49.0 |
As per CLTV per audit. Tape data is rounded up to 49% and matches AUS which is rounded up. | |||||||
| 187 | XXXXXX |
Qualifying LTV | 48.28 |
49.0 |
As per LTV per audit. Tape data is rounded up to 49% and matches AUS which is rounded up. | |||||||
| 187 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
As per audit total $XXX of all property insurances (hazard + flood + windstorm/hail). Tape data is Hazard Insurance monthly payment only of $XXX. | |||||||
| 187 | XXXXXX |
Qualifying Total Debt Income Ratio | 41.91 |
41.03 |
As per Audit calculation of DTI. Audit DTI is higher due to subject property taxes calculated higher due to homestead exemption being removed. | |||||||
| 190 | XXXXXX |
Qualifying LTV | 68.63 |
69.0 |
Rounding. | |||||||
| 190 | XXXXXX |
Qualifying CLTV | 68.63 |
69.0 |
Rounding. | |||||||
| 190 | XXXXXX |
Total Qualified Assets Post-Close | 499641.8 |
337397.0 |
Total qualified assets after closing verified with asset documentation in file. | |||||||
| 190 | XXXXXX |
Qualifying Total Debt Income Ratio | 33.09 |
33.1 |
Rounding | |||||||
| 67 | XXXXXX |
Qualifying LTV | 54.73 |
55.0 |
Rounding. | |||||||
| 67 | XXXXXX |
Qualifying CLTV | 54.73 |
55.0 |
Rounding. | |||||||
| 67 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Rounding. | |||||||
| 67 | XXXXXX |
Total Qualified Assets Post-Close | 78117.29 |
100261.86 |
Total qualified assets after closing confirmed with asset documentation in file. | |||||||
| 96 | XXXXXX |
Qualifying FICO | 763 |
0.0 |
True data is mid score confirmed on DU Findings. | |||||||
| 96 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data is based on HOI documents in the file and premium that matches DU Findings. | |||||||
| 78 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
interest rate is correct | |||||||
| 78 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
last name correct | |||||||
| 78 | XXXXXX |
Qualifying CLTV | 64.77 |
64.76 |
ltv cltv is correct | |||||||
| 78 | XXXXXX |
Qualifying LTV | 64.77 |
64.76 |
ltv cltv is correct | |||||||
| 78 | XXXXXX |
Qualifying Total Debt Income Ratio | 44.85 |
49.0 |
dti correct | |||||||
| 159 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Capitalization. | |||||||
| 159 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Mapping issue. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 159 | XXXXXX |
Qualifying LTV | 67.34 |
68.0 |
Roudning. | |||||||
| 159 | XXXXXX |
Qualifying CLTV | 67.34 |
68.0 |
ROunding. | |||||||
| 159 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Rounding. | |||||||
| 159 | XXXXXX |
Total Qualified Assets Post-Close | 39723.1 |
45900.36 |
Total qualified assets after close confirmed with asset documentation in file. | |||||||
| 174 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
True data verified per Note. | |||||||
| 174 | XXXXXX |
Qualifying CLTV | 57.19 |
58.0 |
True data verified per appraisal and loan documents. | |||||||
| 174 | XXXXXX |
Qualifying LTV | 57.19 |
58.0 |
True data verified per appraisal and loan documents. | |||||||
| 174 | XXXXXX |
Total Qualified Assets Post-Close | 212927.91 |
165711.0 |
True data verified per bank statements. | |||||||
| 181 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
True data verified per Note. | |||||||
| 181 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.06375 |
True data verified per Note. | |||||||
| 181 | XXXXXX |
Qualifying FICO | 794 |
0.0 |
True data verified per credit report. | |||||||
| 181 | XXXXXX |
Qualifying LTV | 79.55 |
80.0 |
True data verified per appraisal and loan documents. Rounding. | |||||||
| 181 | XXXXXX |
Qualifying CLTV | 79.55 |
80.0 |
True data verified per appraisal and loan documents. Rounding. | |||||||
| 192 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Per Note | |||||||
| 192 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
per Note | |||||||
| 192 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per Insurance | |||||||
| 192 | XXXXXX |
Total Qualified Assets Post-Close | 532899.42 |
774817.0 |
Per Assets | |||||||
| 192 | XXXXXX |
Qualifying Total Debt Income Ratio | 36.25 |
37.1 |
per taxes on subject and REO on investment property | |||||||
| 56 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
True data verified per note. | |||||||
| 56 | XXXXXX |
Total Qualified Assets Post-Close | 78138.93 |
213473.53 |
True data verified per bank statements. | |||||||
| 56 | XXXXXX |
Qualifying Total Debt Income Ratio | 36.28 |
38.0 |
True data verified per credit report and loan documents. | |||||||
| 63 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Rate is correct | |||||||
| 63 | XXXXXX |
Qualifying LTV | 71.79 |
72.0 |
LTV is correct | |||||||
| 63 | XXXXXX |
Qualifying CLTV | 71.79 |
72.0 |
CLTV is correct | |||||||
| 63 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
insurance is correct | |||||||
| 63 | XXXXXX |
Total Qualified Assets Post-Close | 372967.49 |
388794.45 |
Post close assets are correct | |||||||
| 63 | XXXXXX |
Qualifying Total Debt Income Ratio | 24.94 |
26.21 |
Agent name is correct | |||||||
| 176 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.07125 |
Mapping issued | |||||||
| 176 | XXXXXX |
Qualifying FICO | 757 |
776.0 |
Mapping issue. | |||||||
| 176 | XXXXXX |
Qualifying CLTV | 64.4 |
65.0 |
Roudning. | |||||||
| 176 | XXXXXX |
Qualifying LTV | 64.4 |
65.0 |
Rounding. | |||||||
| 176 | XXXXXX |
Total Qualified Assets Post-Close | 74711.67 |
974710.45 |
. | |||||||
| 176 | XXXXXX |
Qualifying Total Debt Income Ratio | 43.37 |
42.35 |
. | |||||||
| 175 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
interest rate is correct | |||||||
| 175 | XXXXXX |
Qualifying CLTV | 79.46 |
80.0 |
cltv correct | |||||||
| 175 | XXXXXX |
Qualifying LTV | 79.46 |
80.0 |
LTV is correct | |||||||
| 175 | XXXXXX |
Total Qualified Assets Post-Close | 172187.39 |
180265.36 |
Post close assets are confirmed | |||||||
| 175 | XXXXXX |
Qualifying Total Debt Income Ratio | 36.4 |
37.66 |
Settlement name is correct | |||||||
| 173 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Per Note | |||||||
| 173 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per Note | |||||||
| 173 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per Insurance | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 173 | XXXXXX |
Total Qualified Assets Post-Close | 774624.37 |
916000.2 |
Per Assets | |||||||
| 182 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.0625 |
Tape data has different decimal placement. | |||||||
| 182 | XXXXXX |
Qualifying LTV | 59.8 |
60.0 |
Tape data is rounded. | |||||||
| 182 | XXXXXX |
Qualifying CLTV | 63.15 |
63.0 |
Tape data is rounded down. | |||||||
| 182 | XXXXXX |
Total Qualified Assets Post-Close | 83570.59 |
131244.23 |
True data matches the 1003 with the exception of a duplicated account of $400.06. | |||||||
| 182 | XXXXXX |
Qualifying Total Debt Income Ratio | 49.77 |
49.71 |
True data is audited DTI, property taxes provided by the title company are higher than used by lender. Audited income reduced by $31.40 | |||||||
| 188 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
True data verified per Note. | |||||||
| 188 | XXXXXX |
Qualifying CLTV | 58.85 |
59.0 |
True data verified per appraisal and loan documents. | |||||||
| 188 | XXXXXX |
Qualifying LTV | 58.85 |
59.0 |
True data verified per appraisal and loan documents. | |||||||
| 188 | XXXXXX |
Qualifying Total Debt Income Ratio | 34.98 |
37.74 |
True data verified per credit report and loan documents. | |||||||
| 177 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
True data verified per Note. | |||||||
| 177 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
True data verified per Note. | |||||||
| 177 | XXXXXX |
Qualifying FICO | 802 |
0.0 |
True data verified per credit report. | |||||||
| 177 | XXXXXX |
Qualifying LTV | 72.58 |
73.0 |
True data verified per appraisal and loan documents. | |||||||
| 177 | XXXXXX |
Qualifying CLTV | 72.58 |
73.0 |
True data verified per appraisal and loan documents. | |||||||
| 177 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data verified per hazard policy. | |||||||
| 177 | XXXXXX |
Total Qualified Assets Post-Close | 51347.99 |
55381.0 |
True data verified per bank statements. | |||||||
| 177 | XXXXXX |
Qualifying Total Debt Income Ratio | 28.28 |
28.51 |
True data verified per credit report and loan documents. | |||||||
| 60 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
True data verified per Note. | |||||||
| 60 | XXXXXX |
Total Qualified Assets Post-Close | 377687.35 |
661237.03 |
True data verified per bank statements. | |||||||
| 178 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
property address is correct | |||||||
| 178 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
B1 is the owner | |||||||
| 178 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Insurance is correct | |||||||
| 178 | XXXXXX |
Total Qualified Assets Post-Close | 263391.3 |
1164808.0 |
Post close assets have been confirmed | |||||||
| 178 | XXXXXX |
Qualifying Total Debt Income Ratio | 42.18 |
43.0 |
dti has been confirmed | |||||||
| 106 | XXXXXX |
Qualifying Interest Rate | 6.875 |
0.06875 |
True data verified per Note. | |||||||
| 106 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data verified per hazard policy. | |||||||
| 106 | XXXXXX |
Total Qualified Assets Post-Close | 639551.26 |
667424.46 |
True data verified per bank statements. | |||||||
| 186 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
True data verified per Note. | |||||||
| 186 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
True data verified per Note. | |||||||
| 186 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
True data verified per income documents. | |||||||
| 186 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
True data verified per income documents. | |||||||
| 186 | XXXXXX |
Qualifying FICO | 797 |
0.0 |
True data verified per credit report. | |||||||
| 186 | XXXXXX |
Total Closing Costs | 49922.61 |
92465.88 |
True data verified per closing disclosure. | |||||||
| 186 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data verified per hazard policy. | |||||||
| 186 | XXXXXX |
Total Qualified Assets Post-Close | 393874.94 |
626931.0 |
True data verified per bank statements. | |||||||
| 156 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Tape data has a different decimal placement. | |||||||
| 156 | XXXXXX |
Qualifying LTV | 77.74 |
78.0 |
Tape data is rounded. | |||||||
| 156 | XXXXXX |
Qualifying CLTV | 77.74 |
78.0 |
Tape data is rounded. | |||||||
| 156 | XXXXXX |
Secondary Appraised Property Value | XXXXXX |
XXXXXX |
True data is value reported on 2nd appraisal not used to qualify the borrower. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 156 | XXXXXX |
Total Qualified Assets Post-Close | 237050.2 |
242398.85 |
True data is assets after closing. | |||||||
| 62 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Confirmed | |||||||
| 62 | XXXXXX |
Qualifying LTV | 59.8 |
61.0 |
Confirmed | |||||||
| 62 | XXXXXX |
Qualifying CLTV | 59.8 |
61.0 |
Confirmed | |||||||
| 62 | XXXXXX |
Qualifying Total Debt Income Ratio | 49.85 |
49.91 |
Confirmed | |||||||
| 105 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
Per note | |||||||
| 105 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Per note | |||||||
| 105 | XXXXXX |
Total Qualified Assets Post-Close | 71948.19 |
81647.41 |
Per asset documents | |||||||
| 105 | XXXXXX |
Qualifying Total Debt Income Ratio | 30.3 |
31.0 |
Rounding | |||||||
| 107 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
Per note | |||||||
| 107 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per note | |||||||
| 107 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per hazard insurance | |||||||
| 107 | XXXXXX |
Total Qualified Assets Post-Close | 380873.36 |
492066.24 |
Per assets | |||||||
| 107 | XXXXXX |
Qualifying Total Debt Income Ratio | 28.25 |
28.54 |
Per DTI | |||||||
| 94 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per Note | |||||||
| 94 | XXXXXX |
Qualifying LTV | 78.97 |
78.96 |
Per Appraisal | |||||||
| 94 | XXXXXX |
Qualifying CLTV | 78.97 |
78.96 |
Per Appraisal | |||||||
| 94 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per Haz insurance | |||||||
| 94 | XXXXXX |
Total Qualified Assets Post-Close | 34600.66 |
38877.14 |
Per Assets | |||||||
| 94 | XXXXXX |
Qualifying Total Debt Income Ratio | 28.49 |
28.0 |
Per AUS LP | |||||||
| 84 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Per note | |||||||
| 84 | XXXXXX |
Qualifying LTV | 64.85 |
65.0 |
Per DTI | |||||||
| 84 | XXXXXX |
Qualifying CLTV | 64.85 |
65.0 |
Per DTI | |||||||
| 84 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per hazard insurance | |||||||
| 84 | XXXXXX |
Total Qualified Assets Post-Close | 70211.3 |
291914.56 |
Per assets | |||||||
| 110 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per note | |||||||
| 110 | XXXXXX |
Qualifying CLTV | 66.96 |
67.0 |
Per CLTV | |||||||
| 110 | XXXXXX |
Qualifying LTV | 66.96 |
67.0 |
Per LTV | |||||||
| 110 | XXXXXX |
Total Qualified Assets Post-Close | 779079.16 |
366476.72 |
Per assets | |||||||
| 110 | XXXXXX |
Qualifying Total Debt Income Ratio | 49.86 |
49.87 |
Per DTI | |||||||
| 193 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per note | |||||||
| 193 | XXXXXX |
Qualifying FICO | 795 |
0.0 |
Per credit report | |||||||
| 193 | XXXXXX |
Qualifying Total Debt Income Ratio | 31.67 |
32.0 |
Per DTI | |||||||
| 91 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Tape data has different decimal placement. | |||||||
| 91 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Tape data is capitalized. | |||||||
| 91 | XXXXXX |
Borrower 2 Citizen | XXXXXX |
XXXXXX |
1003 indicates Permanent Resident Green Card in file. | |||||||
| 91 | XXXXXX |
Qualifying LTV | 74.67 |
75.0 |
Tape data is rounded. | |||||||
| 91 | XXXXXX |
Qualifying CLTV | 74.67 |
75.0 |
Tape data is rounded. | |||||||
| 91 | XXXXXX |
Total Qualified Assets Post-Close | 1615514.02 |
1615514.19 |
True data is assets after closing. | |||||||
| 91 | XXXXXX |
Qualifying Total Debt Income Ratio | 28.87 |
28.92 |
Tape data matches DU True Data matches 1008, payment on subject property was reduced. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 162 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per note | |||||||
| 162 | XXXXXX |
Total Qualified Assets Post-Close | 871920.82 |
1773464.5 |
Per assets | |||||||
| 162 | XXXXXX |
Qualifying Total Debt Income Ratio | 22.33 |
22.37 |
Per DTI | |||||||
| 80 | XXXXXX |
Borrower 1 First Name | XXXXXX |
XXXXXX |
borrowers first name is correct | |||||||
| 80 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
interest rate is correct | |||||||
| 80 | XXXXXX |
Qualifying LTV | 66.88 |
70.0 |
LTV has been confirmed | |||||||
| 80 | XXXXXX |
Qualifying CLTV | 66.88 |
70.0 |
cltv has been confirmed | |||||||
| 80 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
hoi is correct | |||||||
| 80 | XXXXXX |
Total Qualified Assets Post-Close | 123795.86 |
135208.33 |
Post close assets have been confirmed | |||||||
| 80 | XXXXXX |
Qualifying Total Debt Income Ratio | 38.87 |
16.36 |
dti is correct | |||||||
| 85 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per note | |||||||
| 85 | XXXXXX |
Total Qualified Assets Post-Close | 34361.03 |
243110.47 |
Per assets | |||||||
| 97 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Discrepancy due to data entry, True data is correct. | |||||||
| 97 | XXXXXX |
Qualifying LTV | 79.27 |
80.0 |
Discrepancy due to data entry, True data is correct. | |||||||
| 97 | XXXXXX |
Qualifying CLTV | 79.27 |
80.0 |
Discrepancy due to data entry, True data is correct. | |||||||
| 97 | XXXXXX |
Total Qualified Assets Post-Close | 95679.06 |
474263.88 |
Discrepancy due to data entry, Verified assets are $531,263.88. | |||||||
| 65 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.06509 |
Per note | |||||||
| 65 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
Per income docs. B2 have W2 and SE income | |||||||
| 65 | XXXXXX |
Total Qualified Assets Post-Close | 116550.04 |
365753.71 |
Per assets | |||||||
| 65 | XXXXXX |
Qualifying Total Debt Income Ratio | 32.82 |
33.0 |
per AUS LP rounds up | |||||||
| 88 | XXXXXX |
Qualifying Interest Rate | 6.625 |
0.06625 |
Confirmed with note | |||||||
| 88 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Confirmed with hazard policy bill. | |||||||
| 88 | XXXXXX |
Total Qualified Assets Post-Close | 32435.81 |
258007.64 |
Confirmed with system calculations | |||||||
| 88 | XXXXXX |
Qualifying Total Debt Income Ratio | 25.02 |
25.0 |
Due to rounding | |||||||
| 75 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per note | |||||||
| 75 | XXXXXX |
Qualifying LTV | 44.31 |
45.0 |
Rounding | |||||||
| 75 | XXXXXX |
Qualifying CLTV | 44.31 |
45.0 |
Rounding | |||||||
| 111 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Per note | |||||||
| 111 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per note | |||||||
| 111 | XXXXXX |
Total Qualified Assets Post-Close | 436350.88 |
636581.66 |
Per asset documents | |||||||
| 79 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Per Documentation | |||||||
| 79 | XXXXXX |
Qualifying LTV | 73.75 |
74.0 |
Per Documentation | |||||||
| 79 | XXXXXX |
Qualifying CLTV | 73.75 |
74.0 |
Per Documentation | |||||||
| 79 | XXXXXX |
Total Qualified Assets Post-Close | 40454.73 |
41188.21 |
Per Documentation | |||||||
| 79 | XXXXXX |
Qualifying Total Debt Income Ratio | 37.26 |
35.99 |
Per Documentation | |||||||
| 160 | XXXXXX |
Qualifying Interest Rate | 6.75 |
0.0675 |
Mapping issue. | |||||||
| 160 | XXXXXX |
Qualifying Total Debt Income Ratio | 49.94 |
50.0 |
. | |||||||
| 185 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Due to caps | |||||||
| 185 | XXXXXX |
Qualifying LTV | 70.8 |
80.0 |
Confirmed LTV is 71%. | |||||||
| 185 | XXXXXX |
Qualifying CLTV | 70.8 |
80.0 |
Confirmed CLTV is 71% | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 185 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Confirmed. Using higher hazard insurance from approval. | |||||||
| 185 | XXXXXX |
Total Qualified Assets Post-Close | 127918.06 |
47370.38 |
Confirmed with system calculations. | |||||||
| 185 | XXXXXX |
Qualifying Total Debt Income Ratio | 33.11 |
33.18 |
Confirmed. small difference in debts. | |||||||
| 92 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
Per Note | |||||||
| 92 | XXXXXX |
Qualifying LTV | 60.87 |
60.86 |
Per Appraisal | |||||||
| 92 | XXXXXX |
Qualifying CLTV | 60.87 |
60.86 |
Per Appraisal | |||||||
| 92 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per flood and haz insurance on file | |||||||
| 92 | XXXXXX |
Total Qualified Assets Post-Close | 396467.98 |
1219857.84 |
Per Appraisal | |||||||
| 92 | XXXXXX |
Qualifying Total Debt Income Ratio | 11.57 |
12.0 |
Per AUS LP round up | |||||||
| 99 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Mapping issue. | |||||||
| 99 | XXXXXX |
Total Qualified Assets Post-Close | 310900.28 |
548934.48 |
Total qualified assets post closing confirmed with documentation in file. | |||||||
| 86 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Confirmed with note. | |||||||
| 86 | XXXXXX |
Qualifying CLTV | 38.76 |
39.0 |
Due to rounding | |||||||
| 86 | XXXXXX |
Qualifying LTV | 38.76 |
39.0 |
Due to rounding | |||||||
| 86 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Due to rounding | |||||||
| 86 | XXXXXX |
Total Qualified Assets Post-Close | 489971.06 |
416375.92 |
Confirmed with system calculations. | |||||||
| 76 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Tape data has different decimal placement. | |||||||
| 76 | XXXXXX |
Qualifying LTV | 43.52 |
43.51 |
Tape data rounded down. | |||||||
| 76 | XXXXXX |
Qualifying CLTV | 43.52 |
43.51 |
Tape data rounded down. | |||||||
| 76 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Tape data is total of HOI and supplemental insurance. | |||||||
| 76 | XXXXXX |
Total Qualified Assets Post-Close | 60352.2 |
63186.03 |
True data is assets after closing. | |||||||
| 76 | XXXXXX |
Qualifying Total Debt Income Ratio | 29.79 |
29.0 |
Tape data rounded down. | |||||||
| 83 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per Note | |||||||
| 83 | XXXXXX |
Total Qualified Assets Post-Close | 79298.61 |
352467.98 |
Per Assets | |||||||
| 104 | XXXXXX |
Borrower 2 First Name | XXXXXX |
XXXXXX |
name is correct | |||||||
| 104 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
rate is correct | |||||||
| 104 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
XXX is the borrowers last name | |||||||
| 104 | XXXXXX |
Borrower 1 First Name | XXXXXX |
XXXXXX |
name is correct | |||||||
| 104 | XXXXXX |
Property County | XXXXXX |
XXXXXX |
county is correct | |||||||
| 104 | XXXXXX |
Borrower 1 FTHB | false |
true |
post close assets are correct | |||||||
| 104 | XXXXXX |
Qualifying FICO | 740 |
741.0 |
fico is correct | |||||||
| 104 | XXXXXX |
Total Qualified Assets Post-Close | 99110.06 |
413636.39 |
borrower 2 first name is correct | |||||||
| 95 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per note | |||||||
| 95 | XXXXXX |
Total Qualified Assets Post-Close | 2095804.49 |
3170967.87 |
Per assets | |||||||
| 95 | XXXXXX |
Qualifying Total Debt Income Ratio | 38.4 |
44.23 |
Per DTI...DTI difference is due to monthly taxes on DU of $4,833.33 compared to the taxes calculated from title of $1,248.47 monthly. | |||||||
| 164 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per note | |||||||
| 164 | XXXXXX |
Qualifying LTV | 72.37 |
73.0 |
Per LTV | |||||||
| 164 | XXXXXX |
Qualifying CLTV | 72.37 |
73.0 |
Per CLTV | |||||||
| 164 | XXXXXX |
Total Qualified Assets Post-Close | 316720.02 |
750218.3 |
Per assets | |||||||
| 82 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Mapping issue. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 82 | XXXXXX |
Qualifying CLTV | 71.75 |
67.0 |
||||||||
| 82 | XXXXXX |
Qualifying LTV | 71.75 |
67.0 |
. | |||||||
| 82 | XXXXXX |
Total Qualified Assets Post-Close | 106529.76 |
128346.84 |
Total qualified assets confirmed with asset documentation in file. | |||||||
| 82 | XXXXXX |
Qualifying Total Debt Income Ratio | 29.29 |
25.78 |
0 | |||||||
| 112 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Tape data has a different decimal placement. | |||||||
| 112 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data matches HOI premium found in file | |||||||
| 112 | XXXXXX |
Total Qualified Assets Post-Close | 401092.22 |
698473.87 |
True data is funds available after closing. | |||||||
| 112 | XXXXXX |
Qualifying Total Debt Income Ratio | 32.33 |
30.26 |
True data DTI matches 1008 and DU Findings. | |||||||
| 191 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Per note | |||||||
| 191 | XXXXXX |
Total Qualified Assets Post-Close | 299175.82 |
677934.87 |
Per assets | |||||||
| 191 | XXXXXX |
Qualifying Total Debt Income Ratio | 18.59 |
18.68 |
Per DTI | |||||||
| 163 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per note | |||||||
| 163 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per hazard policy | |||||||
| 163 | XXXXXX |
Total Qualified Assets Post-Close | 116307.04 |
124767.64 |
Per assets | |||||||
| 163 | XXXXXX |
Qualifying Total Debt Income Ratio | 18.82 |
19.0 |
Per DTI | |||||||
| 81 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
interest rate is correct | |||||||
| 81 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
HOI is correct | |||||||
| 81 | XXXXXX |
Total Qualified Assets Post-Close | 345658.51 |
336656.03 |
Post close assets are correct | |||||||
| 81 | XXXXXX |
Qualifying Total Debt Income Ratio | 37.29 |
36.19 |
DTI is correct | |||||||
| 58 | XXXXXX |
Property County | XXXXXX |
XXXXXX |
XXX county is correct | |||||||
| 58 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
interest rate is correct | |||||||
| 58 | XXXXXX |
Qualifying CLTV | 46.17 |
46.16 |
||||||||
| 58 | XXXXXX |
Total Qualified Assets Post-Close | 76446.7 |
76459.36 |
Post close assets are confirmed | |||||||
| 73 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Tape data has different decimal placement. | |||||||
| 73 | XXXXXX |
Total Closing Costs | 16529.13 |
34139.04 |
True data matches Final CD. | |||||||
| 73 | XXXXXX |
Qualifying CLTV | 79.79 |
79.78 |
Tape data rounded. | |||||||
| 73 | XXXXXX |
Qualifying LTV | 79.79 |
79.78 |
Tape data is rounded down. | |||||||
| 73 | XXXXXX |
Total Qualified Assets Post-Close | 185145.02 |
571550.14 |
True data is assets available after closing. | |||||||
| 73 | XXXXXX |
Qualifying Total Debt Income Ratio | 34.73 |
35.0 |
Tape data is rounded up. | |||||||
| 102 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Tape data decimal placement is different. | |||||||
| 102 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data includes 2 HOI policies and Flood Insurance. | |||||||
| 102 | XXXXXX |
Total Qualified Assets Post-Close | 68180.66 |
407672.2 |
True data assets available after closing. | |||||||
| 102 | XXXXXX |
Qualifying Total Debt Income Ratio | 44.96 |
44.64 |
||||||||
| 103 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per Note | |||||||
| 103 | XXXXXX |
Total Closing Costs | 26825.2 |
13940.0 |
Per final CD | |||||||
| 103 | XXXXXX |
Qualifying LTV | 69.26 |
69.25 |
Per LTV | |||||||
| 103 | XXXXXX |
Qualifying CLTV | 69.26 |
69.25 |
Per CLTV | |||||||
| 103 | XXXXXX |
Total Qualified Assets Post-Close | 227850.89 |
749739.91 |
Per assets | |||||||
| 103 | XXXXXX |
Qualifying Total Debt Income Ratio | 41.96 |
42.0 |
Per DTI | |||||||
| 184 | XXXXXX |
Borrower 1 First Name | XXXXXX |
XXXXXX |
Borrower 1 First name verified with a copy of Note. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 184 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Mapping issue. | |||||||
| 184 | XXXXXX |
Property County | XXXXXX |
XXXXXX |
. | |||||||
| 184 | XXXXXX |
Borrower 1 SSN | XXXXXX |
XXXXXX |
Borrower 1 SSN confirmed with credit report. | |||||||
| 184 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
Borrower 1 confirmed to be self employer per final 1003. | |||||||
| 184 | XXXXXX |
Secondary Appraised Property Value | XXXXXX |
XXXXXX |
Mapping issue. | |||||||
| 184 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
. | |||||||
| 184 | XXXXXX |
Total Qualified Assets Post-Close | 528397.44 |
1133753.2 |
Total qualified assets post closing confirmed with asset documentation in file. | |||||||
| 196 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
address is okay | |||||||
| 196 | XXXXXX |
Qualifying Interest Rate | 6.625 |
0.06625 |
interest rate is correct | |||||||
| 196 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
Post close assets are correct | |||||||
| 196 | XXXXXX |
Total Qualified Assets Post-Close | 2497882.09 |
2685042.42 |
Settlement agent address is correct | |||||||
| 54 | XXXXXX |
Qualifying Interest Rate | 6.875 |
0.06875 |
||||||||
| 54 | XXXXXX |
Total Qualified Assets Post-Close | 177581.29 |
387198.9 |
Post close assets are correct | |||||||
| 165 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Mapping issue. | |||||||
| 165 | XXXXXX |
Total Qualified Assets Post-Close | 1020100.5 |
970967.85 |
Total qualified assets post closing confirmed with documentation in file. | |||||||
| 117 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
6.00 per the note | |||||||
| 117 | XXXXXX |
Total Qualified Assets Post-Close | 3158459.29 |
3251178.78 |
$3,686,178.78 Total available assets prior to close / Audit $3,251,178.78 Total available assets prior to close / Lender/AUS The lender deducted the $435,000 EMD from the account balance. Audit did not. $3,158,459.29 Total available assets post close / Audit | |||||||
| 117 | XXXXXX |
Qualifying Total Debt Income Ratio | 14.7 |
15.0 |
15.00 is rounded up by the AUS | |||||||
| 116 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Match. Tape data is fraction of 1. | |||||||
| 116 | XXXXXX |
Qualifying CLTV | 79.17 |
80.0 |
Match. Rounding. | |||||||
| 116 | XXXXXX |
Qualifying LTV | 79.17 |
80.0 |
Match. Rounding. | |||||||
| 116 | XXXXXX |
Total Qualified Assets Post-Close | 52640.12 |
63040.1 |
As per audit calculation of post-closing assets. Tape data is pre-closing assets. | |||||||
| 116 | XXXXXX |
Qualifying Total Debt Income Ratio | 22.53 |
25.81 |
Tape data reflects original DTI from AUS submission 1, not latest submission 13. | |||||||
| 134 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Match. Tape data is a fraction of 1. | |||||||
| 134 | XXXXXX |
Total Qualified Assets Post-Close | 829936.64 |
1108403.42 |
As per audit calculation of post-closing assets. Tape data is pre-closing assets. | |||||||
| 134 | XXXXXX |
Qualifying Total Debt Income Ratio | 42.05 |
42.0 |
Rounding. Tape data is AUS rounded down DTI. Actual DTI on 1008 was 42.05%. | |||||||
| 128 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
True data verified per Note. | |||||||
| 128 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
||||||||
| 128 | XXXXXX |
Total Qualified Assets Post-Close | 179964.65 |
479964.65 |
True data verified per bank statements. | |||||||
| 128 | XXXXXX |
Qualifying Total Debt Income Ratio | 39.26 |
39.36 |
True data verified per credit report, investment properties and loan documents. | |||||||
| 100 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
True data verified per Note. | |||||||
| 100 | XXXXXX |
Total Closing Costs | 36427.94 |
15469.25 |
True data verified per post consummation CD. | |||||||
| 100 | XXXXXX |
Total Qualified Assets Post-Close | 113980.43 |
293569.06 |
True data verified per bank statements. | |||||||
| 101 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
XXX per note | |||||||
| 101 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
6.375 per note | |||||||
| 101 | XXXXXX |
Total Qualified Assets Post-Close | 139191.51 |
184931.29 |
$184,931.29 Total available assets prior to close / Audit $184,931.29 Total available assets prior to close / Lender/AUS $139,191.51 Total available assets post close / Audit | |||||||
| 115 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
True data verified per Note. | |||||||
| 115 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
True data verified per Note. | |||||||
| 115 | XXXXXX |
Borrower 1 FTHB | true |
false |
True data verified per final 1003. | |||||||
| 115 | XXXXXX |
Loan Purpose | Purchase |
Refinance |
True data verified per purchase agreement. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 115 | XXXXXX |
Total Qualified Assets Post-Close | 111765.27 |
304673.09 |
True data verified per bank statements. | |||||||
| 115 | XXXXXX |
Qualifying Total Debt Income Ratio | 47.34 |
47.0 |
True data verified per credit report and loan documents. | |||||||
| 210 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
True data verified per Note. | |||||||
| 210 | XXXXXX |
Qualifying Total Debt Income Ratio | 36.65 |
34.26 |
True data verified per credit report, investment property and loan documents. | |||||||
| 197 | XXXXXX |
Qualifying LTV | 41.06 |
41.05 |
Match. Rounding. LTV/CLTV is 41.057%. | |||||||
| 197 | XXXXXX |
Qualifying CLTV | 41.06 |
41.05 |
Match. Rounding. LTV/CLTV is 41.057%. | |||||||
| 197 | XXXXXX |
Total Qualified Assets Post-Close | 69103.18 |
576579.73 |
As per audit calculation of assets post-closing. Tape data is pre-closing assets. | |||||||
| 197 | XXXXXX |
Qualifying Total Debt Income Ratio | 35.02 |
35.0 |
Match. Rounding. Tape data is the rounded AUS DTI. | |||||||
| 123 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
6.125 per the note | |||||||
| 123 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
$XXX per HOI dec page and final CD | |||||||
| 123 | XXXXXX |
Total Qualified Assets Post-Close | 251998.53 |
345100.3 |
$370,100.30 Total available assets prior to close / Audit $345,100.30 Total available assets prior to close / Lender/AUS XXX #XXX deducted 30k in deposits. XXX #XXX – lender deducted the 25k EMD from the balance. Audit did not. $251,998.53 Total available assets post close / Audit | |||||||
| 123 | XXXXXX |
Qualifying Total Debt Income Ratio | 38.24 |
38.21 |
The lender included $4520 Net Rental Loss for XXX. Audit is unable to match this calculation. Audit has included the full PITIA in the calculation $4530. Using the 8825 to calculate rental income reduces the loss considerably. Using the more conservative approach of the full PITIA which is closer to lenders calculation. The DTI increase is within tolerance. Resubmission is not required. | |||||||
| 167 | XXXXXX |
Qualifying Interest Rate | 6.875 |
0.06875 |
True data verified per Note. | |||||||
| 167 | XXXXXX |
Total Qualified Assets Post-Close | 111839.9 |
276004.36 |
True data verified per bank statements. | |||||||
| 167 | XXXXXX |
Qualifying Total Debt Income Ratio | 41.92 |
41.44 |
True data verified per appraisal showing HOA and other loan documents. | |||||||
| 166 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
6.00 per the note | |||||||
| 166 | XXXXXX |
Borrower 1 Citizen | XXXXXX |
XXXXXX |
PRA per the final 1003 | |||||||
| 166 | XXXXXX |
Total Qualified Assets Post-Close | 457377.49 |
733145.15 |
$773,145.15 Total available assets prior to close / Audit $773,145.15 Total available assets prior to close / Lender/AUS $457,377.49 Total available assets post close / Audit | |||||||
| 119 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Match. Tape data is fraction of 1. | |||||||
| 119 | XXXXXX |
Qualifying CLTV | 78.21 |
78.2 |
Rounding. | |||||||
| 119 | XXXXXX |
Total Qualified Assets Post-Close | 84891.99 |
115956.46 |
As per audit calculation of post-closing assets. Tape data was pre-closing assets. | |||||||
| 119 | XXXXXX |
Qualifying Total Debt Income Ratio | 30.97 |
29.971 |
DTI variance due to audit calculation of B2 “Other” RSU income. | |||||||
| 161 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
True data verified per note. | |||||||
| 161 | XXXXXX |
Qualifying CLTV | 79.29 |
79.0 |
True data verified per appraisal and loan documents. | |||||||
| 161 | XXXXXX |
Qualifying LTV | 79.29 |
79.0 |
True data verified per appraisal and loan documents. | |||||||
| 161 | XXXXXX |
Qualifying Total Debt Income Ratio | 34.47 |
37.77 |
True data verified per credit report, investment properties and loan documents. | |||||||
| 113 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Per note | |||||||
| 113 | XXXXXX |
Qualifying CLTV | 56.54 |
57.0 |
Rounding | |||||||
| 113 | XXXXXX |
Qualifying LTV | 56.54 |
57.0 |
Rounding | |||||||
| 120 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
Per note | |||||||
| 120 | XXXXXX |
Total Qualified Assets Post-Close | 106725.23 |
335025.63 |
Per asset documents | |||||||
| 108 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Confirmed with note. | |||||||
| 108 | XXXXXX |
Qualifying LTV | 64.52 |
65.0 |
Due to rounding | |||||||
| 108 | XXXXXX |
Qualifying CLTV | 64.52 |
65.0 |
Due to rounding | |||||||
| 108 | XXXXXX |
Total Qualified Assets Post-Close | 100341.56 |
624045.53 |
Confirmed with system calculations. | |||||||
| 108 | XXXXXX |
Qualifying Total Debt Income Ratio | 33.16 |
32.09 |
Confirmed-due to one additional debt. | |||||||
| 89 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per Note | |||||||
| 89 | XXXXXX |
Qualifying CLTV | 74.54 |
75.0 |
Per Appraisal | |||||||
| 89 | XXXXXX |
Qualifying LTV | 74.54 |
75.0 |
Per Appraisal | |||||||
| 89 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per Insurance | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 89 | XXXXXX |
Total Qualified Assets Post-Close | 261226.6 |
298581.0 |
Per Assets | |||||||
| 89 | XXXXXX |
Qualifying Total Debt Income Ratio | 48.44 |
51.46 |
Per Credit report and REO | |||||||
| 214 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Due to caps | |||||||
| 214 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
Confirmed with note. | |||||||
| 214 | XXXXXX |
Qualifying FICO | 781 |
0.0 |
Confirmed | |||||||
| 214 | XXXXXX |
Total Closing Costs | 30728.13 |
1738.0 |
Confirmed with CD | |||||||
| 214 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Confirmed | |||||||
| 214 | XXXXXX |
Total Qualified Assets Post-Close | 113723.65 |
446000.0 |
Confirmed | |||||||
| 149 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
True data verified per Note. | |||||||
| 149 | XXXXXX |
Qualifying CLTV | 57.23 |
47.77 |
True data verified per appraisal, AVM and loan documents. | |||||||
| 149 | XXXXXX |
Qualifying LTV | 57.23 |
47.77 |
True data verified per appraisal, AVM and loan documents. | |||||||
| 149 | XXXXXX |
Qualifying Total Debt Income Ratio | 39.65 |
3947.77 |
True data verified per credit report, investment property, and loan documents. | |||||||
| 136 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
6.375 per the note | |||||||
| 136 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
XXX is B1 — XXX = B2 | |||||||
| 136 | XXXXXX |
Borrower 1 First Name | XXXXXX |
XXXXXX |
XXX = B1. XXX = B2 | |||||||
| 136 | XXXXXX |
Borrower 2 First Name | XXXXXX |
XXXXXX |
XXX is B1. XXX is B2 per the note | |||||||
| 136 | XXXXXX |
Borrower 2 SSN | XXXXXX |
XXXXXX |
XXX is B2 SSN. XXX is B1 SSN | |||||||
| 136 | XXXXXX |
Borrower 1 SSN | XXXXXX |
XXXXXX |
XXX is B2 SSN. XXX is B1 SSN | |||||||
| 136 | XXXXXX |
Borrower 1 FTHB | false |
true |
B1 is not FTHB | |||||||
| 136 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
B1 is Self employed | |||||||
| 136 | XXXXXX |
Borrower 2 Self-Employment Flag | No |
Yes |
B2 employed by B1. Not an owner. XXX income is not used to qualify | |||||||
| 136 | XXXXXX |
Total Qualified Assets Post-Close | 303595.41 |
566722.56 |
$566,722.56 Total available assets prior to close / Audit $566,722.56 Total available assets prior to close / Lender/AUS $303,595.41 Total available assets post close / Audit | |||||||
| 136 | XXXXXX |
Qualifying Total Debt Income Ratio | 33.46 |
72.08 |
33.46 actual DTI | |||||||
| 143 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
||||||||
| 143 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
6.25 per the note | |||||||
| 143 | XXXXXX |
Total Qualified Assets Post-Close | 214225.97 |
500087.08 |
$500,087.08 Total available assets prior to close / Audit $500,087.08 Total available assets prior to close / Lender/AUS The lender deducted the 20k EMD from the balance of #XXX. $214,225.97 Total available assets post close / Audit | |||||||
| 143 | XXXXXX |
Qualifying Total Debt Income Ratio | 21.7 |
22.0 |
21.70 is the actual dTI 22 is rounded by AUS | |||||||
| 130 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
True data verified per Note. | |||||||
| 130 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
True data verified per income documents. | |||||||
| 130 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data verified per insurance policies in file. | |||||||
| 130 | XXXXXX |
Total Qualified Assets Post-Close | 48286.03 |
292947.98 |
True data verified per bank statements. | |||||||
| 130 | XXXXXX |
Qualifying Total Debt Income Ratio | 28.38 |
28.2 |
True data verified per loan documents, taxes and insurance higher than amounts disclosed. | |||||||
| 148 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
per Note | |||||||
| 148 | XXXXXX |
Borrower 2 First Name | XXXXXX |
XXXXXX |
per Note | |||||||
| 148 | XXXXXX |
Qualifying FICO | 813 |
796.0 |
Per credit report | |||||||
| 148 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per Insurance | |||||||
| 148 | XXXXXX |
Total Qualified Assets Post-Close | 50343.15 |
274575.86 |
Per Assets | |||||||
| 148 | XXXXXX |
Qualifying Total Debt Income Ratio | 35.33 |
35.37 |
Per income docs | |||||||
| 148 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||
| 169 | XXXXXX |
Qualifying Interest Rate | 6.625 |
0.06625 |
Per Note | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 169 | XXXXXX |
Qualifying LTV | 79.71 |
79.7 |
Per Appraisal | |||||||
| 169 | XXXXXX |
Qualifying CLTV | 79.71 |
79.7 |
Per Appraisal | |||||||
| 169 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per insurance | |||||||
| 169 | XXXXXX |
Total Qualified Assets Post-Close | 266403.22 |
249280.9 |
Per Assets | |||||||
| 169 | XXXXXX |
Qualifying Total Debt Income Ratio | 31.51 |
32.0 |
Per AUS rounds up | |||||||
| 126 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per note | |||||||
| 126 | XXXXXX |
Qualifying LTV | 57.14 |
58.0 |
Rounding | |||||||
| 126 | XXXXXX |
Qualifying CLTV | 57.14 |
58.0 |
Rounding | |||||||
| 126 | XXXXXX |
Qualifying Total Debt Income Ratio | 30.39 |
30.64 |
Loan qualified with higher taxes vs. amount verified in audit. The audit amount aligns with CD and tax bill. | |||||||
| 55 | XXXXXX |
Qualifying Interest Rate | 6.625 |
0.06625 |
Per note | |||||||
| 55 | XXXXXX |
Total Qualified Assets Post-Close | 62403.59 |
267147.99 |
Per asset documents | |||||||
| 55 | XXXXXX |
Qualifying Total Debt Income Ratio | 40.31 |
27.0 |
Lender DTI calculated at 40.01% vs. Audit DTI of 40.31%. The lender omitted debts without documentation to support the omission. Inclusion of XXX Card #XXX, XXX Card #XXX, and XXX #XXX increased monthly liabilities by $105, resulting in a higher DTI that remains within tolerance. | |||||||
| 171 | XXXXXX |
Qualifying Interest Rate | 5.375 |
0.05375 |
5.375 per the note | |||||||
| 171 | XXXXXX |
Qualifying LTV | 49.15 |
50.0 |
50 is rounded by AUS | |||||||
| 171 | XXXXXX |
Qualifying CLTV | 49.15 |
50.0 |
50 is rounded by AUS | |||||||
| 171 | XXXXXX |
Total Qualified Assets Post-Close | 1260477.37 |
2762954.2 |
$2,762,954.19 Total available assets prior to close / Audit $2,762,954.20 Total available assets prior to close / Lender/AUS XXX #XXX 09/30/25 statement is the latest date in the file with a balance of $116,246.79. Using t he lenders lower balance of $87,246.79. The one cent difference is due to LM rounding. $1,260,477.37 Total available assets post close / Audit | |||||||
| 171 | XXXXXX |
Qualifying Total Debt Income Ratio | 43.85 |
43.78 |
Lender DTI is __43.78__%. Audit DTI is __43.85__%. The HOI premium increased. The difference is within tolerance. Resubmission is not required. The correct higher amount was included in the ratios on the final CD/1003. | |||||||
| 133 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
6.25 per note | |||||||
| 133 | XXXXXX |
Qualifying LTV | 44.2 |
45.0 |
50is rounded by AUS | |||||||
| 133 | XXXXXX |
Qualifying CLTV | 44.2 |
45.0 |
50 is rounded by AUS | |||||||
| 133 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
$XXX HOI + $XXX Flood | |||||||
| 133 | XXXXXX |
Total Qualified Assets Post-Close | 1862722.43 |
3282603.48 |
$3,282,603.48 Total available assets prior to close / Audit $3,282,603.48 Total available assets prior to close / Lender/AUS $1,862,722.43 Total available assets post close / Audit | |||||||
| 249 | XXXXXX |
Qualifying Interest Rate | 6.875 |
0.06875 |
True data verified per Note. | |||||||
| 249 | XXXXXX |
Qualifying FICO | 734 |
0.0 |
True data verified per credit report. | |||||||
| 249 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data verified per insurance policies. | |||||||
| 249 | XXXXXX |
Qualifying Total Debt Income Ratio | 21.81 |
21.741 |
True data verified per credit report and loan documents. | |||||||
| 230 | XXXXXX |
Qualifying FICO | 765 |
0.0 |
765 per credit report | |||||||
| 194 | XXXXXX |
Qualifying FICO | 727 |
0.0 |
727 per credit report | |||||||
| 194 | XXXXXX |
Total Closing Costs | 21231.38 |
4367.0 |
$21,231.38 closing cost per final CD | |||||||
| 219 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
True data verified per Note. | |||||||
| 219 | XXXXXX |
Total Qualified Assets Post-Close | 1942703.42 |
2217265.59 |
True data verified per bank statements. | |||||||
| 216 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Per Note | |||||||
| 216 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
Per income docs | |||||||
| 216 | XXXXXX |
Total Closing Costs | 17279.5 |
4000.0 |
Per CD | |||||||
| 216 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per Ins | |||||||
| 216 | XXXXXX |
Total Qualified Assets Post-Close | 2523013.26 |
2738447.49 |
Per Assets | |||||||
| 216 | XXXXXX |
Qualifying Total Debt Income Ratio | 26.06 |
26.21 |
Per credit docs | |||||||
| 243 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
True data verified per Note. | |||||||
| 243 | XXXXXX |
Qualifying FICO | 785 |
0.0 |
True data verified per credit report. | |||||||
| 243 | XXXXXX |
Qualifying CLTV | 65.81 |
66.0 |
True data verified per appraisal and loan documents. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 243 | XXXXXX |
Qualifying LTV | 65.81 |
66.0 |
True data verified per appraisal and loan documents. | |||||||
| 243 | XXXXXX |
Qualifying Total Debt Income Ratio | 36.41 |
36.96 |
True data verified per credit report and loan documents. | |||||||
| 221 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
6.125 per the note | |||||||
| 221 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
B1 is self employed per 1003 and tax returns/k1 | |||||||
| 221 | XXXXXX |
Qualifying LTV | 69.26 |
70.0 |
70.00 is rounded by the AUS | |||||||
| 221 | XXXXXX |
Qualifying CLTV | 69.26 |
70.0 |
70.00 is rounded by the AUS | |||||||
| 218 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
6.25 per the note | |||||||
| 218 | XXXXXX |
Total Closing Costs | 39430.9 |
1774.0 |
39430.90 per final CD | |||||||
| 218 | XXXXXX |
Primary Appraised Property Value | XXXXXX |
XXXXXX |
$XXX is the SP. $XXX is the AV. | |||||||
| 218 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
$XXX per the hazard dec page p.629 | |||||||
| 218 | XXXXXX |
Total Qualified Assets Post-Close | 1882854.91 |
2309701.28 |
$2,309,701.28 Total available assets prior to close / Audit $2,309,701.28 Total available assets prior to close / Lender/AUS $1,882,854.91 Total available assets post close / Audit | |||||||
| 218 | XXXXXX |
Qualifying Total Debt Income Ratio | 35.58 |
36.0 |
35.58 matches the lenders 1008. 36% is rounded by AUS. | |||||||
| 227 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
XXX per final CD | |||||||
| 227 | XXXXXX |
Total Closing Costs | 54265.62 |
17065.85 |
$54,265.62 closing cost per the PCCD | |||||||
| 227 | XXXXXX |
Qualifying CLTV | 56.52 |
57.0 |
70 rounded up by AUS | |||||||
| 227 | XXXXXX |
Qualifying LTV | 56.52 |
57.0 |
70 rounded up by AUS | |||||||
| 227 | XXXXXX |
Total Qualified Assets Post-Close | 719748.16 |
1367450.92 |
$1,367,485.92 Total available assets prior to close / Audit $1,367,485.92 Total available assets prior to close / Lender/AUS XXX #XXX reduced by $21,000 undocumented deposit. $719,748.16 Total available assets post close / Audit | |||||||
| 227 | XXXXXX |
Escrow Waiver in File | Yes |
No |
||||||||
| 245 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Per Note | |||||||
| 245 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per Note | |||||||
| 245 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per insurance | |||||||
| 245 | XXXXXX |
Total Qualified Assets Post-Close | 501169.04 |
960228.44 |
per Assets | |||||||
| 245 | XXXXXX |
Qualifying Total Debt Income Ratio | 40.28 |
42.14 |
Per Taxes updated per tax info provided. Lender taxes are higher | |||||||
| 240 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Per Note | |||||||
| 240 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
Per Income docs | |||||||
| 240 | XXXXXX |
Qualifying LTV | 64.9 |
64.89 |
Per Appraisal | |||||||
| 240 | XXXXXX |
Qualifying CLTV | 64.9 |
64.89 |
Per Appraisal | |||||||
| 240 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per Insurance | |||||||
| 240 | XXXXXX |
Total Qualified Assets Post-Close | 128672.61 |
337901.12 |
Per Assets | |||||||
| 240 | XXXXXX |
Qualifying Total Debt Income Ratio | 29.1 |
30.0 |
Per LP rounds up | |||||||
| 248 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
XXX per the note | |||||||
| 248 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
6.5 per the note | |||||||
| 248 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
B2 is self employed per the final 1003 and the tax returns, k1 in file | |||||||
| 248 | XXXXXX |
Total Closing Costs | 32600.94 |
1774.0 |
$32,600.94 per the PCCD | |||||||
| 248 | XXXXXX |
Total Qualified Assets Post-Close | 800226.57 |
3090103.82 |
$1,735,456.06 Total available assets prior to close / Audit $1,735,456.06 Total available assets prior to close / Lender/AUS XXX #XXX Balance = $1,432,917.76 minus $78,270 = $1,354,647.76. XXX Balance reduced by 2 deposits that total $200,000. $800,226.57 Total available assets post close / Audit | |||||||
| 234 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Per Notes | |||||||
| 234 | XXXXXX |
Total Closing Costs | 18498.96 |
5948.55 |
Per CD | |||||||
| 234 | XXXXXX |
Total Qualified Assets Post-Close | 532667.56 |
772712.28 |
Per Assets | |||||||
| 234 | XXXXXX |
Qualifying Total Debt Income Ratio | 33.13 |
33.62 |
Per credit liab | |||||||
| 250 | XXXXXX |
Qualifying Interest Rate | 6.625 |
0.06625 |
6.625 per the note | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 250 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
B2 is Self employed per the 1003 and income documents | |||||||
| 250 | XXXXXX |
Total Qualified Assets Post-Close | 308080.63 |
657363.67 |
$657,363.67 Total available assets prior to close / Audit $657,363.67 Total available assets prior to close / Lender/AUS $308,080.63 Total available assets post close / Audit | |||||||
| 251 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
True data verified per Note. | |||||||
| 251 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
True data verified per income documents. | |||||||
| 251 | XXXXXX |
Total Closing Costs | 20818.54 |
4189.25 |
True data verified per final CD. | |||||||
| 251 | XXXXXX |
Total Qualified Assets Post-Close | 1054319.56 |
1320559.29 |
True data verified per bank statements. | |||||||
| 251 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||
| 207 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Property address is correct | |||||||
| 207 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
interest rate is correct | |||||||
| 207 | XXXXXX |
Qualifying CLTV | 47.62 |
48.0 |
LTV/CLTV is correct- have been rounded | |||||||
| 207 | XXXXXX |
Qualifying LTV | 47.62 |
48.0 |
LTV/CLTV is correct- have been rounded | |||||||
| 207 | XXXXXX |
Total Qualified Assets Post-Close | 1294985.75 |
2900992.31 |
LTV/CLTV is correct- have been rounded | |||||||
| 207 | XXXXXX |
Qualifying Total Debt Income Ratio | 49.18 |
49.17 |
DTI ratio is correct have been rounded | |||||||
| 208 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per Note | |||||||
| 208 | XXXXXX |
Qualifying FICO | 782 |
0.0 |
Per Credit report | |||||||
| 208 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per insurance | |||||||
| 208 | XXXXXX |
Qualifying Total Debt Income Ratio | 21.4 |
22.0 |
AUS is LP and rounds up | |||||||
| 150 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Confirmed | |||||||
| 150 | XXXXXX |
Borrower 1 Self-Employment Flag | No |
Yes |
||||||||
| 150 | XXXXXX |
Borrower 2 Self-Employment Flag | No |
Yes |
||||||||
| 150 | XXXXXX |
Qualifying LTV | 69.15 |
70.0 |
Due to rounding | |||||||
| 150 | XXXXXX |
Qualifying CLTV | 69.15 |
70.0 |
Due to rounding | |||||||
| 150 | XXXXXX |
Total Qualified Assets Post-Close | 201880.27 |
625568.89 |
Confirmed with system calculations. | |||||||
| 150 | XXXXXX |
Qualifying Total Debt Income Ratio | 38.05 |
41.39 |
Confirmed | |||||||
| 150 | XXXXXX |
Escrow Waiver in File | Yes |
No |
||||||||
| 172 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Decimal | |||||||
| 172 | XXXXXX |
Total Closing Costs | 24136.58 |
28677.96 |
See Final CD | |||||||
| 172 | XXXXXX |
Total Qualified Assets Post-Close | 702532.51 |
693137.58 |
See Assets | |||||||
| 172 | XXXXXX |
Qualifying Total Debt Income Ratio | 44.96 |
44.93 |
Rounding | |||||||
| 172 | XXXXXX |
Escrow Waiver in File | Yes |
No |
||||||||
| 129 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
6.125 per note | |||||||
| 129 | XXXXXX |
Qualifying CLTV | 67.18 |
67.17 |
Lender LTV__67.17__% CLTV__67.17__%. Audit LTV__67.18__% CLTV__67.18__% The difference is due to system rounding. | |||||||
| 129 | XXXXXX |
Qualifying LTV | 67.18 |
67.17 |
Lender LTV__67.17__% CLTV__67.17__%. Audit LTV__67.18__% CLTV__67.18__% The difference is due to system rounding. | |||||||
| 129 | XXXXXX |
Qualifying Total Debt Income Ratio | 49.37 |
49.0 |
Lender DTI is __49.37__%. Audit DTI is __49.37__%. The AUS rounded the DTI down to 49. The Audit terms matches the 1008/AUS terms. 1008 DTI is 49.365%. The Audit DIT is 49.37 and due to system rounding up to 49.37. | |||||||
| 129 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||
| 180 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
True data verified per Note. | |||||||
| 180 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
True data verified per Note. | |||||||
| 180 | XXXXXX |
Borrower 1 FTHB | false |
true |
True data verified per loan documents. | |||||||
| 180 | XXXXXX |
Qualifying FICO | 794 |
784.0 |
True data verified per credit report. | |||||||
| 180 | XXXXXX |
Secondary Appraised Property Value | XXXXXX |
XXXXXX |
True data verified per appraisal. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 180 | XXXXXX |
Primary Appraised Property Value | XXXXXX |
XXXXXX |
True data verified per appraisal. | |||||||
| 180 | XXXXXX |
Total Qualified Assets Post-Close | 208403.97 |
494912.71 |
True data verified per bank statements. | |||||||
| 180 | XXXXXX |
Qualifying Total Debt Income Ratio | 36.44 |
42.69 |
True data verified per credit report and loan documents. | |||||||
| 180 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||
| 198 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
||||||||
| 198 | XXXXXX |
Total Closing Costs | 17294.13 |
1185.0 |
Per closing disclosure the closing costs are $17,294.13 | |||||||
| 198 | XXXXXX |
Total Qualified Assets Post-Close | 59015.13 |
260651.55 |
Post close assets are correct | |||||||
| 198 | XXXXXX |
Qualifying Total Debt Income Ratio | 25.89 |
26.0 |
DTI has been rounded uo | |||||||
| 220 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
||||||||
| 220 | XXXXXX |
Qualifying FICO | 784 |
0.0 |
credit report middle fico score is correct | |||||||
| 220 | XXXXXX |
Total Closing Costs | 11125.63 |
67003.01 |
Per CD dated XXX total closing costs are $11,125.63 | |||||||
| 220 | XXXXXX |
Qualifying Total Debt Income Ratio | 32.66 |
32.52 |
interest rate is correct | |||||||
| 206 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
interest rate is correct | |||||||
| 206 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
bwr #1 is s/e | |||||||
| 206 | XXXXXX |
Primary Appraised Property Value | XXXXXX |
XXXXXX |
value is correct and supported | |||||||
| 206 | XXXXXX |
Total Qualified Assets Post-Close | 207584.45 |
266698.4 |
post close assests are correct | |||||||
| 206 | XXXXXX |
Qualifying Total Debt Income Ratio | 23.93 |
24.0 |
dti is correct rounded up | |||||||
| 206 | XXXXXX |
Secondary Appraised Property Value | XXXXXX |
XXXXXX |
||||||||
| 147 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
True data verified per Note. | |||||||
| 147 | XXXXXX |
Total Qualified Assets Post-Close | 127180.82 |
450532.81 |
True data verified per bank statements. | |||||||
| 146 | XXXXXX |
Qualifying CLTV | 70.7 |
71.0 |
cltv is correct rounded | |||||||
| 146 | XXXXXX |
Qualifying LTV | 70.7 |
71.0 |
ltv is correct rounded | |||||||
| 146 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
insurance amount is correct one cent difference | |||||||
| 138 | XXXXXX |
Qualifying Interest Rate | 6.625 |
0.06625 |
6.625 per note | |||||||
| 138 | XXXXXX |
Qualifying LTV | 79.1 |
80.0 |
Lender LTV__80__% CLTV__80__%. Audit LTV__79.10__% CLTV__79.10__% The difference is due to system rounding | |||||||
| 138 | XXXXXX |
Qualifying CLTV | 79.1 |
80.0 |
Lender LTV__80__% CLTV__80__%. Audit LTV__79.10__% CLTV__79.10__% The difference is due to system rounding | |||||||
| 138 | XXXXXX |
Total Qualified Assets Post-Close | 151963.54 |
191322.4 |
ASSETS $431,973.89 Total available assets prior to close / Audit $191,187.44 Total available assets prior to close / Lender/AUS $151,963.54 Total available assets post close / Audit | |||||||
| 114 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
Per Note | |||||||
| 114 | XXXXXX |
Borrower 1 FTHB | true |
false |
Per 1003 | |||||||
| 114 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per Insurance docs on file | |||||||
| 114 | XXXXXX |
Total Qualified Assets Post-Close | 263992.9 |
1376242.55 |
Per Assets | |||||||
| 114 | XXXXXX |
Qualifying Total Debt Income Ratio | 24.79 |
25.0 |
per insurance doc | |||||||
| 203 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
XXX per note | |||||||
| 203 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.065 |
6.25 per note | |||||||
| 203 | XXXXXX |
Total Qualified Assets Post-Close | 144785.84 |
388815.36 |
$559,618.21 Total available assets prior to close / Audit $559,618.21 Total available assets prior to close / Lender/AUS $144,785.84 Total available assets post close / Audit | |||||||
| 203 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||
| 135 | XXXXXX |
Qualifying Interest Rate | 5.875 |
0.05875 |
True data verified per Note. | |||||||
| 135 | XXXXXX |
Total Qualified Assets Post-Close | 605018.19 |
1160737.15 |
True data verified per bank statements. | |||||||
| 135 | XXXXXX |
Qualifying Total Debt Income Ratio | 35.94 |
35.95 |
True data verified per credit report and loan documents. | |||||||
| 241 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
interest rate is correct | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 241 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
bwr#2 is s/e per loan documents | |||||||
| 241 | XXXXXX |
Total Qualified Assets Post-Close | 87666.49 |
395043.97 |
Post close assets are correct | |||||||
| 202 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
6.5 per note | |||||||
| 202 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
B1 is self employed per 1003 and schedule C income | |||||||
| 202 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
$XXX consists of HOI and Flood | |||||||
| 202 | XXXXXX |
Total Qualified Assets Post-Close | 54926.58 |
413429.78 |
$416,515.80 Total available assets prior to close / Audit $413,429.78 Total available assets prior to close / Lender/AUS The Net Proceeds are slightly higher than anticipated. Resubmission to the AUS not required. $54,926.58 Total available assets post close / Audit | |||||||
| 202 | XXXXXX |
Qualifying Total Debt Income Ratio | 49.75 |
48.81 |
49.75 actual DTI. Final AUS and 1008 are missing | |||||||
| 202 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||
| 244 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
6.25 per the note | |||||||
| 244 | XXXXXX |
Qualifying FICO | 721 |
0.0 |
721 per credit report | |||||||
| 244 | XXXXXX |
Total Closing Costs | 27869.6 |
77751.15 |
27869.6 per the PCCD | |||||||
| 244 | XXXXXX |
Qualifying Total Debt Income Ratio | 20.8 |
21.0 |
21.00 is rounded up by the AUS | |||||||
| 144 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
True data verified per Note. | |||||||
| 144 | XXXXXX |
Total Qualified Assets Post-Close | 150348.26 |
171311.4 |
True data verified per bank statements. | |||||||
| 144 | XXXXXX |
Qualifying Total Debt Income Ratio | 39.38 |
39.0 |
True data verified per loan documents. | |||||||
| 122 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
XXX per final CD | |||||||
| 122 | XXXXXX |
Qualifying Interest Rate | 6.875 |
0.06875 |
6.875 per note | |||||||
| 122 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
$XXX per final CD & HOI dec page | |||||||
| 122 | XXXXXX |
Total Qualified Assets Post-Close | 51690.14 |
275152.01 |
$275,152.01 Total available assets prior to close / Audit $275,152.01 Total available assets prior to close / Lender/AUS $51,690.14 Total available assets post close / Audit | |||||||
| 139 | XXXXXX |
Qualifying Interest Rate | 6.625 |
0.06625 |
Discrepancy is due to data entry, True data is correct. | |||||||
| 139 | XXXXXX |
Borrower 1 Citizen | XXXXXX |
XXXXXX |
Discrepancy is due to data entry, True data is correct. | |||||||
| 139 | XXXXXX |
Total Qualified Assets Post-Close | 231017.42 |
409012.17 |
Discrepancy is due to data entry, Verified assets are $446,212.17 | |||||||
| 139 | XXXXXX |
Qualifying Total Debt Income Ratio | 41.36 |
35.34 |
Discrepancy is due to data entry, True data is correct. | |||||||
| 212 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Per Note | |||||||
| 212 | XXXXXX |
Qualifying FICO | 779 |
0.0 |
Per Credit Liabilities | |||||||
| 212 | XXXXXX |
Qualifying LTV | 71.26 |
71.25 |
Per Appraisal | |||||||
| 212 | XXXXXX |
Qualifying CLTV | 71.26 |
71.25 |
Per Appraisal | |||||||
| 212 | XXXXXX |
Total Qualified Assets Post-Close | 32502.02 |
32109.0 |
Per Assets | |||||||
| 212 | XXXXXX |
Qualifying Total Debt Income Ratio | 33.05 |
33.0 |
AUS is LP | |||||||
| 179 | XXXXXX |
Qualifying Interest Rate | 6.875 |
0.06875 |
Same number different decimal placement | |||||||
| 179 | XXXXXX |
Total Qualified Assets Post-Close | 77433.09 |
82445.0 |
Post closing assets $77,433.09 confirmed deducting cash to close and required reserves from verified assets. | |||||||
| 179 | XXXXXX |
Qualifying Total Debt Income Ratio | 47.88 |
47.16 |
Audit DTI matches Final 1003 | |||||||
| 179 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||
| 121 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
address is correct there is a variation in capitalized vs. lower case | |||||||
| 121 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.0625 |
interest rate is correct | |||||||
| 121 | XXXXXX |
Qualifying FICO | 751 |
0.0 |
credit report | |||||||
| 121 | XXXXXX |
Total Qualified Assets Post-Close | 533424.64 |
1905945.0 |
post close assets are correct | |||||||
| 121 | XXXXXX |
Qualifying Total Debt Income Ratio | 33.4 |
32.84 |
dti difference due to hoa monthly fee not provided by the Lender | |||||||
| 121 | XXXXXX |
Escrow Waiver in File | Yes |
No |
||||||||
| 215 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.07 |
Per note document | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 215 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
Per final application | |||||||
| 215 | XXXXXX |
Total Qualified Assets Post-Close | 48474.48 |
266124.38 |
Per asset document | |||||||
| 215 | XXXXXX |
Qualifying Total Debt Income Ratio | 49.39 |
49.76 |
DTI variance is due to the lender using the credit report dated 08/06/25, while the audit used the updated report dated 11/20/25. The variance is within the 3% tolerance and the DTI remains below 50%. No further action required. | |||||||
| 215 | XXXXXX |
Escrow Waiver in File | N/A |
No |
Compliance review field | |||||||
| 74 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Due to caps | |||||||
| 74 | XXXXXX |
Qualifying Interest Rate | 6.875 |
0.06875 |
Confirmed with the note. | |||||||
| 74 | XXXXXX |
Borrower 1 Self-Employment Flag | No |
Yes |
Confirmed B1 is not self employed. | |||||||
| 74 | XXXXXX |
Total Qualified Assets Post-Close | 352611.73 |
588216.53 |
Confirmed with system calculations. | |||||||
| 74 | XXXXXX |
Qualifying Total Debt Income Ratio | 40.04 |
10.0 |
Confirmed | |||||||
| 74 | XXXXXX |
Escrow Waiver in File | Yes |
No |
||||||||
| 152 | XXXXXX |
Qualifying Interest Rate | 6.75 |
0.0675 |
Per note | |||||||
| 152 | XXXXXX |
Total Qualified Assets Post-Close | 887402.8 |
1073242.02 |
Per updated assets | |||||||
| 152 | XXXXXX |
Qualifying Total Debt Income Ratio | 42.75 |
43.0 |
||||||||
| 152 | XXXXXX |
Escrow Waiver in File | Yes |
No |
||||||||
| 229 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
Per note document | |||||||
| 229 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
Per final application | |||||||
| 229 | XXXXXX |
Qualifying FICO | 777 |
0.0 |
Per credit report | |||||||
| 229 | XXXXXX |
Qualifying LTV | 53.41 |
54.0 |
Rounding | |||||||
| 229 | XXXXXX |
Qualifying CLTV | 53.41 |
54.0 |
Rounding | |||||||
| 229 | XXXXXX |
Total Qualified Assets Post-Close | 55999.8 |
196148.27 |
Per asset documents | |||||||
| 229 | XXXXXX |
Escrow Waiver in File | Yes |
No |
Compliance review field | |||||||
| 145 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Decimal | |||||||
| 145 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
Caps | |||||||
| 145 | XXXXXX |
Borrower 1 First Name | XXXXXX |
XXXXXX |
Caps | |||||||
| 145 | XXXXXX |
Total Qualified Assets Post-Close | 1151199.19 |
1646644.85 |
Decimal | |||||||
| 145 | XXXXXX |
Escrow Waiver in File | Yes |
No |
||||||||
| 57 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
||||||||
| 57 | XXXXXX |
Total Closing Costs | 18663.49 |
24589.08 |
Total closing cost per post closing CD reflects $18,663.49-Pg 3150 | |||||||
| 57 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per pg 3378 HOI dec page show annual premium $XXX/12=$XXX per month | |||||||
| 57 | XXXXXX |
Total Qualified Assets Post-Close | 186864.56 |
511569.36 |
Total assets verified $511,5659.36 borrower was required to bring $324,70480 which left $186,864.56 left available post closing | |||||||
| 57 | XXXXXX |
Qualifying Total Debt Income Ratio | 36.06 |
27.06 |
Auditor and lender property tax figures differ. Lender qualified the borrower with monthly obligations $1509.93/Auditor verified taxes per page 3762. Taxes are paid semi monthly $36,859.26 x 2=$73,718.52/12=$6143.21. Updated taxes to reflect such. Total housing expenses increased,194.73= to $13,427.28 + $1513 Other debt total monthly obligations $17,380.14/ Monthly income $48,194.73=36.06% DTI | |||||||
| 131 | XXXXXX |
Qualifying FICO | 778 |
0.0 |
Confirmed | |||||||
| 131 | XXXXXX |
Qualifying Total Debt Income Ratio | 23.79 |
24.0 |
Due to rounding | |||||||
| 132 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
True data verified per Note. | |||||||
| 132 | XXXXXX |
Qualifying CLTV | 44.12 |
44.11 |
True data verified per appraisal, AVM and loan documents. | |||||||
| 132 | XXXXXX |
Total Qualified Assets Post-Close | 397238.64 |
3497700.15 |
True data verified per bank statements. | |||||||
| 132 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
True data verified per loan documents. | |||||||
| 127 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
True data verified per Note. | |||||||
| 127 | XXXXXX |
Total Qualified Assets Post-Close | 2213681.04 |
2611422.24 |
True data verified per bank statements. | |||||||
| 127 | XXXXXX |
Qualifying Total Debt Income Ratio | 26.24 |
26.156 |
True data verified per credit report, tax bill, and other loan documents. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 127 | XXXXXX |
Escrow Waiver in File | Yes |
No |
True data verified by escrow waiver in file. | |||||||
| 140 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
True data verified per Note. | |||||||
| 140 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data verified per hazard policy. | |||||||
| 140 | XXXXXX |
Total Qualified Assets Post-Close | 220105.6 |
553026.57 |
True data verified per bank statements. | |||||||
| 140 | XXXXXX |
Qualifying Total Debt Income Ratio | 10.76 |
12.27 |
True data verified per credit report and loan documents. | |||||||
| 140 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
True data verified by final CD. | |||||||
| 118 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||
| 137 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per note | |||||||
| 137 | XXXXXX |
Qualifying CLTV | 73.42 |
73.41 |
Per CLTV | |||||||
| 137 | XXXXXX |
Qualifying LTV | 73.42 |
73.41 |
Per LTV | |||||||
| 137 | XXXXXX |
Total Qualified Assets Post-Close | 1788523.54 |
242763.9 |
Per assets | |||||||
| 137 | XXXXXX |
Qualifying Total Debt Income Ratio | 25.01 |
25.0 |
Per DTI | |||||||
| 137 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Per final CD | |||||||
| 109 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Discrepancy is due to data entry. True Data is correct | |||||||
| 109 | XXXXXX |
Qualifying LTV | 59.36 |
59.35 |
Discrepancy is due to data entry. True Data is correct. Verified LTV is 59.358% | |||||||
| 109 | XXXXXX |
Qualifying CLTV | 59.36 |
59.35 |
Discrepancy is due to data entry. True Data is correct. Verified CLTV is 59.358% | |||||||
| 109 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Discrepancy is due to data entry. True Data is correct | |||||||
| 109 | XXXXXX |
Total Qualified Assets Post-Close | 118683.14 |
98304.69 |
Discrepancy is due to data entry. True Data is correct | |||||||
| 109 | XXXXXX |
Qualifying Total Debt Income Ratio | 43.45 |
43.0 |
The recalculate Total Qualifying DTI is $6863.70 (Subject total housing payment) +$56 (total debts)+ $4597 (primary residence) = $11,516.70/$26,508.41 (qualifying total monthly income) = 43.445%. The Total DTI is still within the 3% tolerance. | |||||||
| 109 | XXXXXX |
Escrow Waiver in File | Yes |
No |
Discrepancy is due to data entry. True Data is correct | |||||||
| 168 | XXXXXX |
Total Qualified Assets Post-Close | 502491.39 |
478491.39 |
$478,491.39 are liquid assets total assets include the IRA ACCT | |||||||
| 168 | XXXXXX |
Qualifying Total Debt Income Ratio | 41.3 |
40.0 |
Auditor verified income in the amount of $69,278.79. $1802.25 less than the Lender causing the income to slightly decrease | |||||||
| 168 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Per final CD the auditor did not see an escrow waiver fee disclosed | |||||||
| 236 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
escrow waiver | |||||||
| 236 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
interest rate is correct | |||||||
| 236 | XXXXXX |
Qualifying LTV | 75.09 |
75.08 |
Post close assets are correct | |||||||
| 236 | XXXXXX |
Qualifying CLTV | 75.09 |
75.08 |
cltv is correct | |||||||
| 236 | XXXXXX |
Total Qualified Assets Post-Close | 159195.21 |
406175.49 |
interest rate is correct | |||||||
| 236 | XXXXXX |
Qualifying Total Debt Income Ratio | 44.41 |
46.0 |
address is correct | |||||||
| 236 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
LTV is correct | |||||||
| 222 | XXXXXX |
Qualifying Interest Rate | 6.875 |
0.06875 |
Per Note | |||||||
| 222 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
premium verified | |||||||
| 222 | XXXXXX |
Total Qualified Assets Post-Close | 432882.2 |
669663.57 |
Assets verified | |||||||
| 222 | XXXXXX |
Qualifying Total Debt Income Ratio | 38.93 |
36.95 |
Flood Insurance included in the DTI. AUS does not capture Flood Insurance | |||||||
| 222 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Unable to update | |||||||
| 238 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
interest rate is correct | |||||||
| 238 | XXXXXX |
Qualifying LTV | 51.71 |
52.0 |
ltv/cltv is correct | |||||||
| 238 | XXXXXX |
Qualifying CLTV | 51.71 |
52.0 |
ltv/cltv is correct | |||||||
| 238 | XXXXXX |
Total Qualified Assets Post-Close | 265498.9 |
1054637.96 |
post close assets are correct | |||||||
| 238 | XXXXXX |
Escrow Waiver in File | Yes |
No |
mapping issue | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 223 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
. | |||||||
| 223 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Per Note | |||||||
| 223 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
B2 is Self Employed | |||||||
| 223 | XXXXXX |
Qualifying CLTV | 68.83 |
69.0 |
Rounded Up | |||||||
| 223 | XXXXXX |
Qualifying LTV | 68.83 |
69.0 |
Rounded Up | |||||||
| 223 | XXXXXX |
Total Qualified Assets Post-Close | 409862.4 |
848065.56 |
Assets Verified | |||||||
| 223 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Unable to update | |||||||
| 235 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
interest rate is correct | |||||||
| 235 | XXXXXX |
Total Closing Costs | 80915.15 |
2828.6 |
closing costs are correct | |||||||
| 235 | XXXXXX |
Qualifying LTV | 60.0 |
59.99 |
ltv/cltv is correct | |||||||
| 235 | XXXXXX |
Qualifying CLTV | 60.0 |
59.99 |
ltv/cltv is correct | |||||||
| 235 | XXXXXX |
Total Qualified Assets Post-Close | 637846.93 |
1332025.83 |
Post close assets are correct | |||||||
| 235 | XXXXXX |
Qualifying Total Debt Income Ratio | 43.33 |
43.0 |
DTI is correct | |||||||
| 235 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
mapping issues | |||||||
| 217 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
6.25 per note | |||||||
| 217 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
Confirmed with tax returns | |||||||
| 217 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
Confirmed with tax returns | |||||||
| 217 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
The subject HOI is actually $XXX monthly. The lender included $XXX monthly but is not required to resubmit to the AUS. | |||||||
| 217 | XXXXXX |
Total Qualified Assets Post-Close | 390252.76 |
485673.25 |
$623,359.61 Total available assets prior to close / Audit $572,673.25 Total available assets prior to close / Lender/AUS $390,252.76 Total available assets post close / Audit The lender did not document the Secured funds of $87k as reflected on the 1003 and the AUS, but the lender did document the HELOC funds of 400k reflected on the 1003 and credit report. Additionally stocks were documented in the file which are sufficient to close. | |||||||
| 217 | XXXXXX |
Qualifying Total Debt Income Ratio | 42.6 |
42.7 |
Lender DTI is __42.70__%. Audit DTI is __42.60__%. The subject HOI is actually $300.25 monthly. The lender included $356.66 monthly but is not required to resubmit to the AUS. | |||||||
| 217 | XXXXXX |
Escrow Waiver in File | Yes |
No |
Escrow waiver in file | |||||||
| 225 | XXXXXX |
Qualifying Interest Rate | 6.75 |
0.0675 |
Mapping issue. | |||||||
| 225 | XXXXXX |
Borrower 2 Self-Employment Flag | Yes |
No |
Borrower 2 self employment confirmed with final 1003. | |||||||
| 225 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Total monthly property insurance confirmed with final CD. | |||||||
| 225 | XXXXXX |
Total Qualified Assets Post-Close | 525892.1 |
613884.98 |
Total qualified assets post closing confirmed with documentation in file. | |||||||
| 225 | XXXXXX |
Qualifying Total Debt Income Ratio | 26.01 |
26.0 |
Rounding. | |||||||
| 225 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Confirmed with disclosures in file that the loan has no Escrow waiver. | |||||||
| 231 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Capitalization. | |||||||
| 231 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Mapping issue. | |||||||
| 231 | XXXXXX |
Qualifying CLTV | 64.41 |
65.0 |
Rounding. | |||||||
| 231 | XXXXXX |
Qualifying LTV | 64.41 |
65.0 |
Rounding. | |||||||
| 231 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Total monthly hazard and flood insurance amount confirmed with documentation in file. | |||||||
| 231 | XXXXXX |
Total Qualified Assets Post-Close | 3059976.47 |
4196346.43 |
Total qualified assets post closing confirmed with documentation in file. | |||||||
| 231 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Confirmed with final CD the loan had no escrow waiver. | |||||||
| 232 | XXXXXX |
Borrower 1 Last Name | XXXXXX |
XXXXXX |
Per note | |||||||
| 232 | XXXXXX |
Qualifying Interest Rate | 6.75 |
0.0675 |
Per Note | |||||||
| 232 | XXXXXX |
Total Qualified Assets Post-Close | 312900.68 |
373839.93 |
Per Assets | |||||||
| 232 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
compliance | |||||||
| 124 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
True data verified per Note. | |||||||
| 124 | XXXXXX |
Total Qualified Assets Post-Close | 806637.84 |
1201057.98 |
True data verified per bank statements. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 124 | XXXXXX |
Qualifying Total Debt Income Ratio | 34.53 |
34.0 |
True data verified per credit report and loan documents. | |||||||
| 124 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
True data verified per loan documents. | |||||||
| 242 | XXXXXX |
Qualifying Interest Rate | 7.125 |
0.07125 |
Per note | |||||||
| 242 | XXXXXX |
Qualifying CLTV | 77.78 |
78.0 |
Per Appraisal | |||||||
| 242 | XXXXXX |
Qualifying LTV | 77.78 |
78.0 |
Per Appraisal | |||||||
| 242 | XXXXXX |
Total Qualified Assets Post-Close | 233937.75 |
448340.94 |
Per assets | |||||||
| 242 | XXXXXX |
Qualifying Total Debt Income Ratio | 46.63 |
44.16 |
Per credit docs | |||||||
| 242 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
compliance | |||||||
| 213 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Per Note | |||||||
| 213 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
No Income used for B2 | |||||||
| 213 | XXXXXX |
Total Closing Costs | 14861.38 |
82897.37 |
Per CD | |||||||
| 213 | XXXXXX |
Qualifying LTV | 72.27 |
73.0 |
Rounded up | |||||||
| 213 | XXXXXX |
Qualifying CLTV | 72.27 |
73.0 |
Rounded Up | |||||||
| 213 | XXXXXX |
Total Qualified Assets Post-Close | 606765.82 |
952326.61 |
Assets Verified | |||||||
| 213 | XXXXXX |
Qualifying Total Debt Income Ratio | 46.97 |
46.83 |
Credit report has a CITI account with a payment of $40 monthly which was not included in the final 1003. DTI increased slightly when included | |||||||
| 213 | XXXXXX |
Escrow Waiver in File | Yes |
No |
Unable to update | |||||||
| 195 | XXXXXX |
Qualifying Interest Rate | 6.25 |
0.0625 |
Mapping issue. | |||||||
| 195 | XXXXXX |
Total Qualified Assets Post-Close | 1172127.62 |
1466540.33 |
Total qualified assets post closing confirmed with asset documentation in file. | |||||||
| 195 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Final CD shows escrows. | |||||||
| 209 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Per note | |||||||
| 209 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
Per note | |||||||
| 209 | XXXXXX |
Total Qualified Assets Post-Close | 360573.04 |
480704.04 |
Per assets | |||||||
| 209 | XXXXXX |
Qualifying Total Debt Income Ratio | 29.5 |
29.53 |
Per DTI | |||||||
| 209 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Per escrow waiver | |||||||
| 204 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Per note | |||||||
| 204 | XXXXXX |
Qualifying Interest Rate | 6.0 |
0.06 |
Per note | |||||||
| 204 | XXXXXX |
Total Qualified Assets Post-Close | 50106.22 |
739217.97 |
Per assets | |||||||
| 204 | XXXXXX |
Qualifying Total Debt Income Ratio | 28.36 |
28.0 |
Per DTI | |||||||
| 204 | XXXXXX |
Escrow Waiver in File | Yes |
No |
Per escrow waiver | |||||||
| 205 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Property address is correct as represented | |||||||
| 205 | XXXXXX |
Qualifying Interest Rate | 6.125 |
0.06125 |
Interest rate is correct | |||||||
| 205 | XXXXXX |
Total Qualified Assets Post-Close | 82425.57 |
430384.47 |
Post close assets have been confirmed | |||||||
| 205 | XXXXXX |
Qualifying Total Debt Income Ratio | 25.62 |
25.78 |
Dti ratio has been confirmed | |||||||
| 205 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Mapping issue | |||||||
| 201 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Per note | |||||||
| 201 | XXXXXX |
Qualifying CLTV | 52.02 |
53.0 |
Per CLTV | |||||||
| 201 | XXXXXX |
Qualifying LTV | 52.02 |
53.0 |
Per LTV | |||||||
| 201 | XXXXXX |
Total Qualified Assets Post-Close | 48235.33 |
125639.63 |
Per assets | |||||||
| 201 | XXXXXX |
Qualifying Total Debt Income Ratio | 44.58 |
44.57 |
Per DTI | |||||||
| 247 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
True data verified per Note. | |||||||
| Deal ID | Loan ID | Field Name | Verified Value | Bid Tape Value | Comment | |||||||
| 247 | XXXXXX |
Qualifying Interest Rate | 6.625 |
0.06625 |
True data verified per Note. | |||||||
| 247 | XXXXXX |
Qualifying LTV | 79.95 |
80.0 |
True data verified per appraisal and loan documents. Rounding. | |||||||
| 247 | XXXXXX |
Qualifying CLTV | 79.95 |
80.0 |
True data verified per appraisal and loan documents. Rounding. | |||||||
| 247 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
True data verified per hazard policy. | |||||||
| 247 | XXXXXX |
Total Qualified Assets Post-Close | 120262.94 |
406704.51 |
True data verified per bank statements. | |||||||
| 247 | XXXXXX |
Escrow Waiver in File | Yes |
No |
True data verified per loan documents. | |||||||
| 228 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
. | |||||||
| 228 | XXXXXX |
Qualifying Total Debt Income Ratio | 47.19 |
47.0 |
AUS rounded down DTI. LM DTI matches 1008 in file | |||||||
| 228 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
Unable to update | |||||||
| 226 | XXXXXX |
Qualifying Interest Rate | 6.375 |
0.06375 |
interest rate is correct | |||||||
| 226 | XXXXXX |
Borrower 1 Self-Employment Flag | Yes |
No |
borrower one owns 25 percent or more | |||||||
| 226 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
insurance is correct | |||||||
| 226 | XXXXXX |
Total Qualified Assets Post-Close | 70134.51 |
318315.07 |
post close assets are correct | |||||||
| 226 | XXXXXX |
Qualifying Total Debt Income Ratio | 42.45 |
43.58 |
dti is correct | |||||||
| 226 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
mapping issue | |||||||
| 233 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
True data verified per Note. | |||||||
| 233 | XXXXXX |
Qualifying LTV | 67.31 |
68.0 |
True data verified per appraisal and loan documents. Rounding. | |||||||
| 233 | XXXXXX |
Qualifying CLTV | 67.31 |
68.0 |
True data verified per appraisal and loan documents. Rounding. | |||||||
| 233 | XXXXXX |
Total Qualified Assets Post-Close | 120048.68 |
137195.82 |
True data verified per bank statements. | |||||||
| 233 | XXXXXX |
Escrow Waiver in File | Yes |
No |
True data verified per escrow waiver in file. | |||||||
| 253 | XXXXXX |
Total Qualified Assets Post-Close | 727909.89 |
970059.2 |
Confirmed with system calculations | |||||||
| 253 | XXXXXX |
Qualifying Total Debt Income Ratio | 27.07 |
25.32 |
Confirmed with approval. | |||||||
| 254 | XXXXXX |
Total Qualified Assets Post-Close | 196051.9 |
557416.4 |
$557,416.40 Total available assets prior to close / Audit $557,416.40 Total available assets prior to close / Lender/AUS $196,051.90 Total available assets post close / Audit | |||||||
| 257 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Total monthly property insurance confirmed with HOI declaration page. | |||||||
| 252 | XXXXXX |
Total Qualified Assets Post-Close | 307209.05 |
400977.2 |
Assets verified on statements. | |||||||
| 255 | XXXXXX |
Total Qualified Assets Post-Close | 207838.56 |
472136.26 |
Total qualified asset post closing confirmed with asset documentation in file. | |||||||
| 258 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
True data verified per Note. | |||||||
| 258 | XXXXXX |
Qualifying LTV | 69.7 |
70.0 |
True data verified per appraisal and loan documents. Rounding. | |||||||
| 258 | XXXXXX |
Qualifying CLTV | 69.7 |
70.0 |
True data verified per appraisal and loan documents. Rounding. | |||||||
| 258 | XXXXXX |
Total Qualified Assets Post-Close | 238039.49 |
706592.73 |
True data verified per bank statements. | |||||||
| 256 | XXXXXX |
Total Qualified Assets Post-Close | 638087.65 |
647628.43 |
True data verified per bank statements. | |||||||
| 256 | XXXXXX |
Qualifying Total Debt Income Ratio | 26.92 |
27.0 |
True data verified per credit report and loan documents. | |||||||
| 199 | XXXXXX |
Property Address | XXXXXX |
XXXXXX |
Per Note | |||||||
| 199 | XXXXXX |
Qualifying Interest Rate | 6.5 |
0.065 |
Per note | |||||||
| 199 | XXXXXX |
Occupancy | Second Home |
Primary Residence |
||||||||
| 199 | XXXXXX |
Qualifying FICO | 771 |
0.0 |
Per Credit Liabilites | |||||||
| 199 | XXXXXX |
Total Closing Costs | 74132.16 |
54959.58 |
compliance | |||||||
| 199 | XXXXXX |
Total Monthly Property Insurance Amount | XXXXXX |
XXXXXX |
Per HOI | |||||||
| 199 | XXXXXX |
Total Qualified Assets Post-Close | 908486.92 |
1201721.0 |
Per Assets | |||||||
| 199 | XXXXXX |
Qualifying Total Debt Income Ratio | 14.3 |
16.09 |
Per REO rentals- see income worksheet . final 1003 and AUS also had different rentals | |||||||
| 199 | XXXXXX |
Escrow Waiver in File | N/A |
Yes |
||||||||