EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.2 - Schedule 3

 

 

Loan ID Seller Loan ID Investor Loan ID Field Name Verified Value Bid Tape Value Comment
2004956 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per Note.
2004956 XXXXX   Qualifying CLTV XXX XXX Verified to lien and value.
2004956 XXXXX   Qualifying HLTV XXX XXX Verified to lien and value.
2004956 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Verified from income/liabilities.
2005158 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX The Note shows the XXX is XX/XX/XXXX.
2077356 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX NOte final payment XX/XX/XXXX
2077356 XXXXX   Qualifying Total Debt Income Ratio XXX XXX monthy proprty tax difference XXX pr title vs XXX per XXX
2041748 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX updated per note
2041748 XXXXX   Qualifying Total Debt Income Ratio XXX XXX updated per verification docs for property taxes
2041665 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX XXX XX/XX/XXXX updated as per Note document
2041695 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Validated XXX with note.
2041700 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX per note the XXX is XX/XX/XXXX
2041700 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Variance is due to the lender used higher property tax than what is reporting on the title.
2041604 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Discrepancy is due to XXX, True data is correct.
2041604 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Discrepancy is due to XXX, True data is correct.
2041832 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX per note
2041686 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per Note
2041686 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Rounding
2041740 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX True Data reflects the XXX as indicated on the executed Note and Deed of Trust.
2041740 XXXXX   Qualifying CLTV XXX XXX True Data reflects the automated value XXX in calculating using the second mortgage amount of XXX plus the current balance of XXX for the first mortgage, which is indicated on the most recent mortgage Statement dated XX/XX/XXXX.
2041740 XXXXX   Qualifying HLTV XXX XXX True Data reflects the automated value XXX in calculating using the second mortgage amount of XXX plus the current balance of XXX for the first mortgage, which is indicated on the most recent mortgage Statement dated XX/XX/XXXX.
2068531 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX XXX verified off Note in file as XX/XX/XXXX
2068231 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX note final payment XXX
2068394 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per lock in file
2068394 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per note
2068597 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX per initial XXX
2068597 XXXXX   Borrower 1 Self-Employment Flag XXX XXX B1 is not S/E
2068597 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX per Note
2068597 XXXXX   Qualifying Total Debt Income Ratio XXX XXX per verified income
2067961 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX XXX updated as per Note document
2068057 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX The 2nd lien mortgage note States the XXX as XX/XX/XXXX
2068057 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The recalculate total DTI is $XXX(total housing payment) + $XXX(total debt) = $XXX/$XXX (qualifying monthly income)= XXX%.
2068012 XXXXX   Borrower 1 Self-Employment Flag XXX XXX B1 is not self XXX.
2068012 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX The XXX is XXX per the note
2068012 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The "other" payments figure from XXXX reconciles with the debt confirmed by documentation in the file
2068149 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX True data Value captured from the note
2068149 XXXXX   Qualifying Total Debt Income Ratio XXX XXX True Data value variance: Subject mortgage and rental income match lenders. Borrower income matches lenders. Credit report debts of XXX match the final application. Primary mortgage matches the lenders. Variance is due to XXX calculations.
2068445 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per note
2068445 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per DTI
2068566 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per note
2068566 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per DTI
2068585 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX per note
2068585 XXXXX   Qualifying Total Debt Income Ratio XXX XXX per documents in file
2068154 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Audited
2068154 XXXXX   Qualifying CLTV XXX XXX use XXX lien balance
2068154 XXXXX   Qualifying HLTV XXX XXX use XXX lien balance
2068154 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Audited
2068261 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per note
2068261 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per DTI
2068320 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX XXX updated as per Note document
2068320 XXXXX   Qualifying Total Debt Income Ratio XXX XXX DTI XXX% because of 1st lien P&I
2068091 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per note
2068219 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX final payment XX/XX/XXXX
2068219 XXXXX   Qualifying Total Debt Income Ratio XXX XXX income $XXX/ expenses XXX (primary housing XXX + net rental loss subject XXX and other debts $XXX)
2068220 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX The XXX on the note is XX/XX/XXXX.
2068220 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The auditor's DTI os lower than the lenders because the lenders monthly prprty tx pymnt was XXX higher than the auditors monthly pymnt derived on a worse case scenario from the title report.
2068499 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Initial 1003 was signed on XX/XX/XXXX.
2068499 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX XXX on the note is XX/XX/XXXX.
2068286 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per Note.
2068286 XXXXX   Qualifying LTV XXX XXX Rounding
2068286 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Lender liabilities and income are matching Audit.
2068298 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX N/A
2068298 XXXXX   Qualifying Total Debt Income Ratio XXX XXX N/A
2068383 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX XXX confirmed on the Note in file as XX/XX/XXXX
2068383 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Property Taxes is lower on the Title as verified and slightly higer on the XXX Used Amount as verified on the Cert.
2041556 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX True data verified per Note.
2041556 XXXXX   Qualifying CLTV XXX XXX True data verified per income and credit docs.
2041556 XXXXX   Qualifying HLTV XXX XXX True data verified per income and credit docs.
2041589 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX per the note the XXX is XX/XX/XXXX
2041589 XXXXX   Qualifying CLTV XXX XXX Variance is with in tolerance
2041589 XXXXX   Qualifying HLTV XXX XXX Variance is with in tolerance
2041589 XXXXX   Qualifying LTV XXX XXX Variance is with in tolerance
2041589 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Variance is with in tolerance
2041591 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Correct per note
2041591 XXXXX   Qualifying LTV XXX XXX Rounded figure
2048751 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX True Data value captured from the note
2048751 XXXXX   Qualifying Total Debt Income Ratio XXX XXX True Data value based on loan documents. The final application omitted the XXX account with a XXX per month payment. The loan file is missing documentation to support omission of the debt resulting in a DTI that exceeds guidelines.
2068544 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Verified lock rate disclosure is dated as XX/XX/XXXX.
2068544 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Verified note XXX is XX/XX/XXXX.
2086278 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Discrepancy due to using higher child support obligation
2086263 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Data Integrity
2086291 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX Data Integrity
2086270 XXXXX XXXXX Qualifying Total Debt Income Ratio XXX XXX updated per income calculations and liabilties
2020035 XXXXX   Qualifying CLTV XXX XXX The 1st lien upb XXX + $XXX=$XXX/$XXX=XXX%.
2020035 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The difference in the reviewers DTI is the difference in the reviewers calculation of income. The reviewer determined total calculated mo. income as XXX versus the lender's calculation of XXX per mo.
2018578 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018575 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018574 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified
2018573 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018571 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018572 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018570 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018569 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX ahs been verified.
2018566 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018565 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018564 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018562 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018563 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
2018561 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
1932080 XXXXX   Buydown Flag XXX XXX This loan is not a buydown - fixed rate lien.
1932080 XXXXX   Property Type XXX XXX Property inspection reflects subject is detached
1932080 XXXXX   Qualifying CLTV XXX XXX  
1932080 XXXXX   Qualifying LTV XXX XXX  
1932080 XXXXX   Qualifying Total Debt Income Ratio XXX XXX  
1885213 XXXXX   Qualifying CLTV XXX XXX  
1885213 XXXXX   Qualifying LTV XXX XXX  
1885213 XXXXX   Qualifying Total Debt Income Ratio XXX XXX  
2018559 XXXXX   Loan Amount $XXXXXX $XXXXXX Per the Note, the XXX has been verified.
1932045 XXXXX   Qualifying FICO XXX XXX Per Credit Report
1932045 XXXXX   Qualifying Total Debt Income Ratio XXX XXX  
1990583 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Marital Settlement Agreement and Parenting Plan indicated child support payment of XXX and alimony payment of $XXX; debt was not included at the time origination and supporting documentation of omission was not provided at the time of audit review.
2019858 XXXXX   Qualifying Total Debt Income Ratio XXX XXX  
2030943 XXXXX   Qualifying CLTV XXX XXX The lender calculated the CLTV using the 1st lien UPB of XXX from the original credit report, next due XX/XX/XXXX. The updated credit report shows a lower UPB of XXX next due XX/XX/XXXX.
2030943 XXXXX   Qualifying Total Debt Income Ratio XXX XXX DTI Variance: Property Taxes - For Non-Port Loans (the 1st lien is with XXX Mortgage, not XXX), guidelines require property taxes to be calculated from the tax certificate, not the mortgage Statement escrows. The lender used the mortgage Statement escrows of $XXX. However, the audit used the tax cert/title taxes showing a higher amount of $XXX.
2040899 XXXXX   Qualifying CLTV XXX XXX Per most recent first lien UPB +2nd mortgage
2040899 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Lender used a slightly higher annual tax amount of XXX per XXX with no supporting doc vs XXX provided.
2024086 XXXXX   Qualifying CLTV XXX XXX CLTV does not match Lender's. UW used UPB from Servicing Data. Lender used UPB from Credit Report.
2024086 XXXXX   Qualifying Total Debt Income Ratio XXX XXX DTI does not match the Lender's. UW included HOA paid annually
2024035 XXXXX   Qualifying LTV XXX XXX used XXX lien balance
2030713 XXXXX   Qualifying CLTV XXX XXX Verified to loan, AVM value and 1st lien details
2030944 XXXXX   Qualifying Total Debt Income Ratio XXX XXX There is an unrecognized "other" amount XXX shown in the mtg payment on the XXX and a total mortgage payment XXX while the documentation in the file determined a mortgage payment of XXX or a difference of XXX and a revised DTI of XXX%.
2030769 XXXXX   Property Type XXX XXX Rider other document (Pg: XXX) confirms the XXX as PUD.
2030769 XXXXX   Qualifying CLTV XXX XXX  
2030769 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Subject Property - The monthly payment for the other lien in mortgage Statement (Pg: XXX) excluding escrow is $XXX. The lender updated the other lien payment to XXX (including escrow). Due to the amount mismatch, when comparing to the lender's First mortgage P&I, the DTI is slightly lower than the lender's calculation.
2040897 XXXXX   Qualifying Total Debt Income Ratio XXX XXX DTI Variance: Bonus/Overtime/Commission Income Calculation - The lender calculated the Bonus+Overtime+Commission income of XXX based on the XXX YTD average with a timeframe of XX/XX/XXXX months (XX/XX/XXXX-XX/XX/XXXX). However, the audit used the correct timeframe for XXX of XXX months (XX/XX/XXXX-XX/XX/XXXX) and calculated a combined figure of $XXX. The paystubs show the borrower is paid bi-weekly and is paid around XXX days after the pay period end date. Therefore, the first pay period of the XXX YTD is XX/XX/XXXX-XX/XX/XXXX.
2040895 XXXXX   Qualifying CLTV XXX XXX The lender calculated the CLTV using the 1st lien UPB of XXX from the credit report, next due XX/XX/XXXX. The mortgage Statement shows a lower UPB of XXX next due XX/XX/XXXX.
2040895 XXXXX   Qualifying Total Debt Income Ratio XXX XXX B2 Base Income Calculation - The lender qualified the borrower with a XXX qualifying average income of XXX which is calculated using the bi-weekly base salary of XXX from the paystub * XXX pay periods. However, the paystubs State that the borrower is paid on a XXX-month cycle and they also State the annual base salary is XXX which when divided by XXX months is $XXX. Therefore, the audit used the XXX base salary average for the income.
2031077 XXXXX   Qualifying CLTV XXX XXX The audit used the lower UPB from the mortgage Statement; the lender used the higher UPB from the credit report.
2031077 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The audit used a higher HOA figure from the HOA letter from the borrower; the lender used a lower figure (unsourced).
2030865 XXXXX   Qualifying CLTV XXX XXX The lender calculated the CLTV using the 1st lien UPB of XXX from the credit report, next due XX/XX/XXXX. The updated Servicing Data Statement shows a lower UPB of XXX next due XX/XX/XXXX.
2030865 XXXXX   Qualifying Total Debt Income Ratio XXX XXX DTI Variance: B1 Overtime Income Calculation - The lender calculated a XXX YTD average Overtime Income of XXX using the XXX-month timeframe. The audit calculated XXX using a XXX-month timeframe. DTI Variance: REO 2nd Home 2nd Lien - The lender incorrectly included the XXX monthly payment for the 2nd HELOC lien on the property at XXX XXX. This lien with XXX was paid off on the Final CD for $XXX.
2040893 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Income recalculated for B1. Income XXX is slightly less than Lender's calculation $XXX. Lender used rental income for XXX positive rent XXX is calculated less than Lender's $XXX. The second home XXX Gincluded association dues reported on XXX The property was previously rented. Copy of HUD-XXX provided to support F&C and collected maintenance dues. Evidence of updated maintenance fees not provided.
2030900 XXXXX   Qualifying CLTV XXX XXX 68.11% CLTV using unpaid principal balance from current Lender mortgage Statement of XXX vs credit report balance of $XXX.
2030900 XXXXX   Qualifying Total Debt Income Ratio XXX XXX XXX% DTI matches DTI on XXX Loan Approval in file.
2031050 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per income/debts in file
2031023 XXXXX   Qualifying CLTV XXX XXX Verified to lien and value.
2030842 XXXXX   Qualifying CLTV XXX XXX 84.17% CLTV using current unpaid principal balance from Lender mortgage Statement of XXX instead of credit report balance of $XXX.
2031044 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The hazard insurance policy in the file shows a premium of $XX/XX/XXXX=$XXX while the XXX shows the payment as $XXX. The difference the housing and ttl expense figures is XXX per month the housing ratio is now XXX % DTI and the back ratio is now $XXX/$XXX=XXX% DTI.
2030726 XXXXX   Qualifying LTV XXX XXX This is a rounding issue. XXX shows XXX%
2030880 XXXXX   Qualifying CLTV XXX XXX Verified to 1st lien balance
2030880 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Verified to income and total debts
2030985 XXXXX   Qualifying CLTV XXX XXX Verified to lien and value.
2030744 XXXXX   Qualifying CLTV XXX XXX The lender calculated the CLTV using the 1st lien UPB of XXX from the credit report, next due XX/XX/XXXX. Pay history and mortgage Statement both show a UPB of XXX next due XX/XX/XXXX.
2030744 XXXXX   Qualifying Total Debt Income Ratio XXX XXX B2 Overtime/Other Income Calculation - The borrower is paid bi-weekly as per the paystub, and the borrower is paid around XXX days after the pay period end date. Therefore, the first pay period of the XXX YTD would be XX/XX/XXXX-XX/XX/XXXX. The lender qualified the borrower with Overtime/Other income of XXX based on the XX/XX/XXXX average using the XXX W-2 and subtracting the assumed annual base income of XXX per monthnth. However, the lender used the incorrect XXX YTD timeframe of XX/XX/XXXX months (XX/XX/XXXX-XX/XX/XXXX). The audit used the correct timeframe of XXX months (XX/XX/XXXX-XX/XX/XXXX) to calculate the XX/XX/XXXX average overtime/other income of $XXX.
2031002 XXXXX   Qualifying CLTV XXX XXX  
2024057 XXXXX   Qualifying CLTV XXX XXX The lender calculated the CLTV using the 1st lien UPB of XXX from the credit report, next due XX/XX/XXXX. The pay history shows a UPB of XXX next due XX/XX/XXXX.
2024057 XXXXX   Qualifying Total Debt Income Ratio XXX XXX B2 Wage Income - The lender qualified the borrower with XXX YTD average income of XXX using a XXX YTD base pay of XXX divided by XX/XX/XXXX months (XX/XX/XXXX-XX/XX/XXXX). The audit shows that the timeframe from XX/XX/XXXX-XX/XX/XXXX is XX/XX/XXXX months. Therefore, the XXX YTD average is XXX which is more in line with the semi-annual base salary of XXX that calculates to a monthly average of $XXX.
2030977 XXXXX   Qualifying CLTV XXX XXX 71.12% CLTV using current unpaid principal Balance from Lender mortgage Statement of XXX instead of credit report balance of $XXX.
2031173 XXXXX   Qualifying LTV XXX XXX The value XXX% was updated based on the calculation: (XXX / Property Value) × XXX
2023974 XXXXX   Qualifying CLTV XXX XXX Per final XXX CLTV was XXX%. Difference is due to using current mortgage balance on Statement versus credit report.
2030709 XXXXX   Qualifying CLTV XXX XXX SLIGHT DIFFERENCE ON 1ST MTG BALANCE
2040889 XXXXX   Qualifying CLTV XXX XXX The lender calculated the CLTV using the 1st lien UPB of XXX from the credit report, next due XX/XX/XXXX. The pay history shows a lower UPB of XXX next due XX/XX/XXXX.
2040889 XXXXX   Qualifying Total Debt Income Ratio XXX XXX B1 Overtime income and B2 Base Income calculations were lower by audit, due to the audit using the correct XXX YTD timeframes.