EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.08

Schedule 7. Opus Data Compare Report

 

ALT ID Loan ID Seller Loan ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
2126835 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 18.51 18.54 Audit liabilities were based on documents in the loan file.
2136847 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.23 42.13 DTI difference is less than 1% and within lender tolerance.
2140032 XXXXXXX   XXXXXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.
2140031 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 46.15 46.18 Audit liabilities were based on documents in the loan file.
2142309 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 39.66 34.47 Borrower is employment with XXXXXXXX & XXXX, (1b) as final 1003 and qualified with income of $XX,XXX.XX and supporting documents are missing for 1C employment as per final 1003.
However, Loan is qualified with DTI of 39.66% and within guidelines limits.
2142306 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 43.51 44.82 Audit DTI difference is due to liabilities based on documents in loan file.
2142311 XXXXXXX   XXXXXXX XXXX Qualifying FICO creditLiabilitiesPage 776 781 Audit value based on lender qualifying requirements.
2142311 XXXXXXX   XXXXXXX XXXX Property Type propertyValuationPage PUD Single Family Detached Audit Value Pulled From appraisal.
2142311 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 23.74 24.92 Audit reflects difference in subject HOA Dues per documents in the loan file.
Audit DTI difference is due to liabilities based on documents in loan file.
2142310 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 30.89 36.86 Audit DTI difference is due to liabilities based on documents in loan file.
2142312 XXXXXXX   XXXXXXX XXXX Property Type propertyValuationPage PUD Single Family Detached Audit Value Pulled From Appraisal.
2144650 XXXXXXX   XXXXXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.
2144654 XXXXXXX   XXXXXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.
2144655 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 37.7 37.43 Audit reflects difference in qualifying P & I than the approval.
2153553 XXXXXXX   XXXXXXX XXXX Property Value propertyValuationPage $XXXXXX $XXXXXX Audit Value Pulled From Purchase Contract / Final CD.
2153553 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 43.45 42.08 Audit liabilities were based on the most recent credit report in the loan file.
2153545 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 11.34 11.01 Audit liabilities were based on documents in the loan file.
2155676 XXXXXXX   XXXXXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.
2155678 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 33.02 32.24 Audit liabilities were based on the most recent credit report in the loan file
2155679 XXXXXXX   XXXXXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 37.31 38.07 Audit DTI difference is due to liabilities based on documents in loan file.