EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.04

Schedule 5. Clarifii Data Compare Report

 

Loan ID Redaction ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
XXXX 2147739 XXXX XXXX Property Type propertyValuationPage Townhouse PUD per appraisal
XXXX 2138687 XXXX XXXX Interest Only Flag notePage No Yes Per note
XXXX 2138687 XXXX XXXX Initial Monthly P&I Or IO Payment notePage XXXX XXXX Per note
XXXX 2138687 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Audit PITIA matches Lender's first payment letter.
XXXX 2138687 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 22.73 0.00 Per settlement statement
XXXX 2138687 XXXX XXXX Calculated DSCR diligenceFinalLookPage 0.702 0.77 Audit used Market Rent/ PITIA.  Lender Calculation not provided
XXXX 2138665 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 34.95 42.56 Due to lender hitting borrower with full amex pmt
XXXX 2138658 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX matches 1st payment ltr
XXXX 2138658 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 17.03 20.26 HOA DUES
XXXX 2138658 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 35.38 38.62 HOA Dues
XXXX 2138700 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per hud
XXXX 2138674 XXXX XXXX Qualifying Amortization Term notePage 360 480 per Note
XXXX 2138674 XXXX XXXX Qualifying LTV propertyValuationPage 75.1 70.00 less than 12 months owned original purchase price used. 
XXXX 2138674 XXXX XXXX Qualifying CLTV propertyValuationPage 75.1 70.00 less than 12 months owned original purchase price used.
XXXX 2138674 XXXX XXXX Cash out Include Debt Paid at Close finalCdDetailPage XXXX XXXX Per Final CD
XXXX 2138674 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per final CD
XXXX 2138674 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Fully amortized payment to be used for qualification. 
XXXX 2138674 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 8.03 7.00 All assets provided were considered. 
XXXX 2138674 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 53.97 51.14 Income verified less with documentation provided. 
XXXX 2138674 XXXX XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 20.03 18.85 Income verified less with documentation provided. 
XXXX 2138739 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per CD
XXXX 2138739 XXXX XXXX Property Type propertyValuationPage Two to Four Unit Attached Per appraisal 
XXXX 2138733 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX confirmed
XXXX 2138717 XXXX XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 23650.13 -25175.51 Per Settlement Statement
XXXX 2138717 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Settlement Statement
XXXX 2138717 XXXX XXXX Property Type propertyValuationPage Townhouse PUD Per Appraisal and legal
XXXX 2138717 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA Dues
XXXX 2138723 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Settlement Statement
XXXX 2138723 XXXX XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal 
XXXX 2138724 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Settlement Statement
XXXX 2138749 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Refinance Statement 
XXXX 2138749 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 86.85 15.00 Per assets
XXXX 2138749 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA
XXXX 2138697 XXXX XXXX Borrower 1 First Name notePage XXXX XXXX Per Note
XXXX 2138697 XXXX XXXX Borrower 1 SSN the1003Page XXXX XXXX Per Final 1003
XXXX 2138697 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX HOA dues 
XXXX 2138719 XXXX XXXX Property Type propertyValuationPage Two to Four Unit Attached per appraisal
XXXX 2138701 XXXX XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage XXXX XXXX Per Final CD
XXXX 2138690 XXXX XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage XXXX XXXX Per Settlement Statement
XXXX 2142194 XXXX XXXX Application Date complianceDetailPage XXXX XXXX Per initial 1003
XXXX 2142194 XXXX XXXX Number of Mortgaged Properties creditLiabilitiesPage 3 1.0 per 1003
XXXX 2029620 XXXX XXXX Amount of Other Lien titlePage 0 XXXX only 1 lien
XXXX 2142193 XXXX XXXX Application Date complianceDetailPage XXXX XXXX per 1003
XXXX 2142193 XXXX XXXX Borrower 1 Name of Employer 3 the1003Page XXXX XXXX per 1003 multiple business
XXXX 2142193 XXXX XXXX B1 Country Name the1003Page XXXX XXXX per 1003
XXXX 2142193 XXXX XXXX Amount of Other Lien titlePage 0 XXXX no other liens
XXXX 2142193 XXXX XXXX Number of Mortgaged Properties creditLiabilitiesPage 3 1.0 per 1003
XXXX 2142192 XXXX XXXX Borrower 1 Employer 1 Years in Line of Work the1003Page 25.0 300 Per 1003
XXXX 2142192 XXXX XXXX B1 Country Name the1003Page XXXX XXXX Per 1003
XXXX 2142192 XXXX XXXX Borrower 1 Years in Current Home the1003Page 0.75 9 Per 1003
XXXX 2147762 XXXX XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal
XXXX 2154556 XXXX XXXX Maturity Date notePage XXXX XXXX Per Note
XXXX 2154555 XXXX XXXX Property Type propertyValuationPage Townhouse Single Family Detached Per Appraisal