J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G

 

Exhibit 99.7

 

Loan ID Seller Loan ID Investor Loan ID Field Name Verified Value Bid Tape Value Comment
304904605 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX XXX determined by Total Assets less Cash to Close.
304896696 XXXXX XXXXX Qualifying FICO XXX XXX Fico XXX low middle score confirmed from Cr Report. Per Guidelines, credit score applicable is the lowest of all representative credit scores.
305026231 XXXXX XXXXX Borrower 1 FTHB XXX XXX Borrowers is a FTHB, per application and rent free letter
305026231 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Data is correct, per verified assets in file
305026231 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Audit DTI <lender due to lower other debts.
304908555 XXXXX XXXXX Borrower 1 Self-Employment Flag XXX XXX Borrower is self-employed per tax returns
304908555 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX based on the audit, data is accurate
304897403 XXXXX XXXXX Borrower 1 Self-Employment Flag XXX XXX Borrower one and two own XXX% of business per K-1s
304897403 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX XXX represents Total Qualified Asset Post Close. XXX represents preclose figures.
304893382 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Updated assets per asset Statement.
304904999 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Reserves have been factored into the total qualifying assets.
304887753 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Verified by the bank Statements
304896895 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX DTI XXX% shows as per AUS Approval & XXX
304898064 XXXXX XXXXX Borrower 1 FTHB XXX XXX Borrowers is a FTHB per application
304898064 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Stated vs verified
304904594 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Assets are XXX per audit review
304860242 XXXXX XXXXX Borrower 2 Citizen XXX XXX B2 XXX per PRA card
304860242 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Assets updated to show remaining assets after cash to close
304873952 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX $XXX Total available assets post close / Audit $XXX Total available assets post close / Lender/AUS The net proceeds are higher than anticipated and Account #XXX was not updated in the AUS by the lender as well. The balance is slightly higher after reducing the balance by the recent $XXX large deposit from employer.
304897100 XXXXX XXXXX Borrower 2 Self-Employment Flag XXX XXX B2 is both a wage earner and has XXX% ownership in XXX.
304897100 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Reserves has been factored into total assets.
304874838 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Post Funds after Cash to Close
304875630 XXXXX XXXXX Borrower 1 Self-Employment Flag XXX XXX Per documentation provided
304875630 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Post Assets
304875629 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Verified via Statements
304904411 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Verified by the bank Statement
304908664 XXXXX XXXXX Borrower 1 Self-Employment Flag XXX XXX Per documentation provided
304894334 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Assets after Closing Funds excluded
304896742 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX The assets sourced by audit value are accurate
304860872 XXXXX XXXXX Qualifying FICO XXX XXX FICO score of XXX is borrower's mid score.
304889764 XXXXX XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Per lock confirmation
304889764 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Per the XXX
304897415 XXXXX XXXXX Qualifying CLTV XXX XXX Verified by the appraisal and note
304905133 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Verified by the bank Statements
304874371 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX $XXX Total available assets post close / Audit $XXX Total available assets post close / Lender/AUS The loan application and AUS list XXX total available assets for B1 account #XXX. The XXX Combined Statement is in the name of B2s’ deceased spouse, only XXX accounts within the combined Statement reflect B2 as an account holder. Other accounts are in the name of the deceased spouse and XXX There are no Trust documents located in the file. None of the accounts reflect B1 as an account holder. Audit is using the accounts that are eligible as B2 being an account holder only.
304896369 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX $XXX Total available assets prior to close / Audit $XXX Total available assets prior to close / Lender/AUS The lender deducted the EMD $XXX from the balance on act #XXX. EMD has not cleared the account. Audit did not deduct the EMD from the balance or give credit for deposit being cleared. $XXX Total available assets post close / Audit
304907240 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX see asset docs
304904287 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Verified by the guidelines.
304874931 XXXXX XXXXX Loan Amount $XXXXXX $XXXXXX True Data reflects the XXX as indicated on the executed Note and Mortgage which was verified and confirmed during audit review.
304874931 XXXXX XXXXX Property Type XXX XXX True Data reflects the XXX according to the appraisal report.
304874931 XXXXX XXXXX Qualifying FICO XXX XXX Data reflects the lowest mid FICO for borrower.
304868790 XXXXX XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Per lock XX/XX/XXXX
304868790 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Verified XXX% used from 401k assets
304868790 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Verified DTI is XXX using AUS and XXX
305023801 XXXXX XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Compliance.
305023801 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Reviewer using XXX% of account balances.
305023801 XXXXX XXXXX Property Type XXX XXX Subject is a PUD per appraisal.
304905159 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Note: The borrower's qualifying Debt-to-Income (DTI) ratio is XXX% which is well within the XXX XXX maximum allowable DTI of XXX% for this loan scenario (Second Home, XXX-Unit, Cash-Out Refinance, XXX at 73.85% LTV with XXX credit score). The DTI calculation includes the housing expense ratio of XXX% plus all recurring monthly debt obligations. This DTI demonstrates strong debt service capacity and meets investor requirements. The AUS recommendation of "Approve/Ineligible" (ineligible only due to XXX exceeding conforming limits) supports this qualification.
304876072 XXXXX XXXXX Loan Amount $XXXXXX $XXXXXX confirmed XXX of XXX
304876072 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX confirmed assets
304896187 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Verified Assets are used XXX%
304896187 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Verified DTI XXX using the AUS and XXX
305027116 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Confirmed borrower percent of down payment per GLs
305029742 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Confirmed borrower contributions as XXX% as per assets
304903213 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX True Data reflects B1/B2 own XXX% of the assets used for this transaction.
304874864 XXXXX XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Confirmed the original XXX as XX/XX/XXXX, relock update confirmation in file dated XX/XX/XXXX
304893722 XXXXX XXXXX Loan Amount $XXXXXX $XXXXXX Confirmed the Note reflects a XXX of XXX
304893722 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX DU reflects a DTI of XXX% which matches the audit DTI.
304874915 XXXXX XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Per lock confirmation
304874915 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Per asset documents provided
304874915 XXXXX XXXXX Qualifying FICO XXX XXX Per credit report
304874915 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Per LP and Final 1003
304909795 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Per assets documentation in file
305031253 XXXXX XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Per lock confirmation
304905169 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Assets used for reserves/cash to close were in the name of the borrower.
304905169 XXXXX XXXXX Property Type XXX XXX The appraisal reflects the property is a PUD. The mortgage contains a PUD rider.
304905169 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Audit DTI inline with XXX
304872040 XXXXX XXXXX Total Qualified Assets Post-Close  XXX XXX Verified by the bank Statement
304909880 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Assets verified at XXX% value.
304893392 XXXXX XXXXX Interest Rate XXX XXX Confirmed the XXX of XXX% as per the Note
304893392 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Borrower contribution XXX% as per FNMA GLs
304893392 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Audit DTI of XXX% is less than Lender DTI of XXX% as per the AUS/XXX provided in the file, due to a discrepancy in the total liabilities of XXX
304893399 XXXXX XXXXX Loan Amount $XXXXXX $XXXXXX Validated XXX with note.
305026146 XXXXX XXXXX Borrower 1 FTHB XXX XXX confirmed Per 1003 page XXX b1 has had ownership in another property in the last three years.
305026146 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX All verified borrower funds available for down payment.
305026146 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Audit agrees with lender income and pitia. Unable to confirm total other debt, audit XXX vs lender XXX per XXX page XXX
304873859 XXXXX XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Per Lock doc XX/XX/XXXX
304904284 XXXXX XXXXX Property Type XXX XXX XXX is a PUD, per appraisal
304904284 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX DTI is XXX% within tolerance
304908679 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Audit DTI of XXX% matched to the Lender as per the DU/XXX
305024032 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX DTI is XXX%. Variance due to lender not including an open XXXX acct with a balance of XXX
305027110 XXXXX XXXXX Interest Rate XXX XXX confirmed rate per note XX/XX/XXXX
305027110 XXXXX XXXXX Loan Amount $XXXXXX $XXXXXX XXX per note XXX
305027110 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX confirmed XXX pg XXX and DU pg XXX match audit dti of XXX
305033643 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX The XXX reflects a DTI of XXX% and AUS reflects a DTI of XXX%. Reviewer is unable to determine the underwriting factors supporting a DTI of XXX%
304874927 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX Validated percentage of borrowers down payment with asset documents provided and final CD.
304858379 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX per assets documentation in file, gift is present.
304820279 XXXXX XXXXX Loan Amount $XXXXXX $XXXXXX XXX confirmed using Note.
304820279 XXXXX XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX XXX confirmed using Lender approval.
304820279 XXXXX XXXXX Qualifying CLTV XXX XXX CLTV confirmed using XXX
304820279 XXXXX XXXXX Qualifying LTV XXX XXX LTV confirmed using XXX
304820279 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX DTI is slightly off due to the lender including the incorrect tax amount for the DTI calculation.
304892945 XXXXX XXXXX Percent of Borrower's Funds for Down Payment XXX XXX As per Asset Documents Updated
304908683 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX DTI is XXX%. Slight variance from AUS DTI if XXX% due to lender not including XXX debt on credit report in the amount of XXX
305042981 XXXXX XXXXX Loan Amount $XXXXXX $XXXXXX XXX is correct as per final note, XXX and AUS.
305042981 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX DTI of XXX% is correct as per documented income, credit and matches to XXX and DU AUS.