MORGAN STANLEY CAPITAL I INC. ABS-15G

 

Exhibit 99.5 - Schedule 4

 

MSID Loan ID Field Name Verified Value Bid Tape Value Comment
9857434 XXXXX MIN No XXX XXX Confirmed, same without dashes.
9857434 XXXXX Number of Units XXX XXX Confirmed on appraisal, XXX
9857434 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Confirmed after verification of income and PITI of subject, rent on XXX debts on credit report and verified debt of XXX and primary residence.
9857437 XXXXX Property Value $XXX $XXX Using XXX price as XXX since it is lower than the appraised value
9857437 XXXXX ULI XXX XXX Per Final 1003
9857437 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per assets
9857437 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
9980449 XXXXX Sales Price $XXX $XXX XXX confirmed using final closing disclosure.
10007063 XXXXX Sales Price $XXX $XXX Verified XXX using sales contract
10007063 XXXXX Property Type XXX XXX Verified type using the appraisal
10047539 XXXXX Sales Price $XXX $XXX per docs
10047539 XXXXX Qualifying CLTV XXX XXX Per docs
10047539 XXXXX Property Type XXX XXX Per docs
10083402 XXXXX Seller Name XXX XXX Seller is XXX
10083402 XXXXX Qualifying FICO XXX XXX Per credit report the qualifying credit score is XXX Neither Borrower 1 or Borrower 2 have a credit score of XXX
10084698 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified by the initial 1003.
10084698 XXXXX Credit QM/ATR Designation XXX XXX Verified by the guidelines.
10084778 XXXXX Borrower 1 Last Name XXXXX XXXXX This is how the borrower signed his name on the Note.
10084778 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified by the initial 1003.
10084778 XXXXX Credit QM/ATR Designation XXX XXX Verified by the guidelines.
10084778 XXXXX Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX .
10084958 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified by the initial 1003.
10084958 XXXXX Credit QM/ATR Designation XXX XXX Verified by the guidelines.
10084960 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003
10084960 XXXXX Credit QM/ATR Designation XXX XXX Per Loan Approval
10084967 XXXXX Borrower 1 Last Name XXXXX XXXXX Per note
10084967 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per 1003
10084967 XXXXX Credit QM/ATR Designation XXX XXX Per employment data
10084967 XXXXX Qualifying Total Debt Income Ratio XXX XXX Per debts vs income
10084993 XXXXX Borrower 1 Last Name XXXXX XXXXX Updated per note
10084993 XXXXX Credit QM/ATR Designation XXX XXX Updated per lender approval type
10084993 XXXXX Qualifying Total Debt Income Ratio XXX XXX Updated per liabilities. DTI still qualifies - total debt figure is slightly more in credit review.
10084993 XXXXX Loan Product Type XXX XXX Updated per note
10085000 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, Per Initial 1003.
10085000 XXXXX Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
10086298 XXXXX Sales Price $XXX $XXX True data matches XXX and sale agreement
10088573 XXXXX Seller Name XXX XXX Verified per Note.
10088573 XXXXX Sales Price $XXX $XXX Verified per Closing Disclosure.
10088573 XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Verified per Rate Lock.
10088792 XXXXX Seller Name XXX XXX Per docs
10088792 XXXXX Sales Price $XXX $XXX Per docs
10088792 XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX Per lock
10089136 XXXXX Seller Name XXX XXX XXX
10089136 XXXXX Qualifying FICO XXX XXX Page XXX per credit report and AUS, XXX is the qualification score
10089136 XXXXX Sales Price $XXX $XXX XXX is XXX appraised value is XXX Using XXX price as value
10099464 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per 1003
10099466 XXXXX Property Type XXX XXX XXX unit property
10100934 XXXXX Seller Name XXX XXX Verified XXX using guideline matrix
10100934 XXXXX Sales Price $XXX $XXX Verified XXX using sales contract
10106088 XXXXX Seller Name XXX XXX Verified XXX using guideline matrix
10106088 XXXXX Sales Price $XXX $XXX Verified XXX using sale contract
10109927 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per assets
10109927 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10109952 XXXXX Property Value $XXX $XXX The XXX report dated XXX valued the property.
10109952 XXXXX Qualifying FICO XXX XXX  
10109952 XXXXX Qualifying All Borrower Residual Income $XXX $XXX  
10109976 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Audit data is taken from the initial loan application.
10109976 XXXXX ULI XXX XXX Audit ULI is confirmed from the final loan application.
10109976 XXXXX Property Value $XXX $XXX Audit value is the appraisal value. The tape value is the XXX.
10109976 XXXXX Qualifying Total Reserves Number of Months XXX XXX Audit Reserves are confirmed from the bank Statements in file.
10109976 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Audit residual income is calculated by taking the total income minus the total liabilities.
10109980 XXXXX Property Value $XXX $XXX Audit value is the appraisal value. The tape value is the XXX.
10109980 XXXXX Qualifying Total Reserves Number of Months XXX XXX Audit reserves are confirmed from the asset Statements in file.
10109980 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Audit residual income is calculated by taking the total income minus the total liabilities.
10110002 XXXXX Property Value $XXX $XXX Verified with the XXX Disclosed appraisal value, the lower XXX price used to qualify.
10110002 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
10110002 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10110005 XXXXX Property Value $XXX $XXX Confirmed, verified on appraisal. XXX is the XXX price.
10110005 XXXXX Property Type XXX XXX  
10110005 XXXXX Qualifying Total Reserves Number of Months XXX XXX Confirmed after verified funds and funds to close.
10110005 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Confirmed after PITIA and all debts disclosed.
10110052 XXXXX MIN No XXX XXX Verified with the Security Instrument.
10110052 XXXXX Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.
10110052 XXXXX Verified Doc Type XXX XXX Verified with the Provided Statements and the income calculator.
10110052 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10110063 XXXXX MIN No XXX XXX confirmed Min with Deed
10110063 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX confirmed initial a 1003 date
10110063 XXXXX Property Value $XXX $XXX mapping issue
10110063 XXXXX ULI XXX XXX confirmed ULI
10110063 XXXXX Qualifying Total Reserves Number of Months XXX XXX confirmed reserves with provided assets
10110063 XXXXX Qualifying All Borrower Residual Income $XXX $XXX confirmed residual income
10110070 XXXXX Qualifying FICO XXX XXX Verified with the Credit report Middle score of only Borrower XXX
10110070 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
10110070 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the Income and liabilities
10110087 XXXXX ULI XXX XXX Confirmed on Final 1003 in file.
10110087 XXXXX Property Value $XXX $XXX Confirmed value on appraisal, tape is XXX price.
10110087 XXXXX Qualifying Total Reserves Number of Months XXX XXX Confirmed after verified assets in file and total cost of subject transaction.
10110087 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Confirmed after total PITIA for subject and debts reflected on credit report.
10111717 XXXXX Sales Price $XXX $XXX Per docs
10139403 XXXXX Qualifying Total Debt Income Ratio XXX XXX Confirmed XXX% DTI due to Audit's use of the most recent consecutive XXX months Bank Statements in file per guideline requirement resulting in a XXX lower income calculation and a XXX lower net negative rental of XXX than Lender use of XXX for a Total Lender approval DTI of XXX%.
10139412 XXXXX Qualifying Total Debt Income Ratio XXX XXX DTI discrepancy due to Documented Total Other Monthly Debt Amount of $XXX. The lender used XXX as the lender did not include a payment for the XXX.
10139426 XXXXX Qualifying Total Debt Income Ratio XXX XXX Used auditor income base on the bank Statement as it was less than the lenders Lender used borrower ownership percentage as XXX% but the CPA letter says he is XXX% XXX. Auditor used XXX%
10139427 XXXXX Qualifying Total Debt Income Ratio XXX XXX Difference in rental income loss for current residence. AUS has a loss of XXX which is the P&I for curr res mortgage billing stmt in file. XXX States loss if $XXX. Loan has been cited for missing verification of mortgage history to confirm the XXX used to generate the XXX% found on Final XXX
10139438 XXXXX Loan Purpose XXX XXX XXX as per Final 1003 XXX File, supported by the executed XXX agreement.
10139445 XXXXX Loan Purpose XXX XXX Updated XXX Per 1003 and final CD.
10139463 XXXXX Qualifying Total Debt Income Ratio XXX XXX Slight DTI variance; within tolerance
10139481 XXXXX Loan Purpose XXX XXX Verified by the CD
10139491 XXXXX Loan Purpose XXX XXX Loan is XXX transaction
10139509 XXXXX Loan Purpose XXX XXX XXX as XXX confirmed with 1003/XXX and contract
10139509 XXXXX Qualifying Total Debt Income Ratio XXX XXX Lender uses XXX on XXX as HOA dues and did not include XXX HOI premium. Subject is not in a PUD and there is no documentation to support XXX fees. This resulted in a small DTI discrepancy
10139510 XXXXX Loan Purpose XXX XXX Per 1003 and XXX
10139521 XXXXX Qualifying Total Debt Income Ratio XXX XXX Audit calculated rent loss higher than Lender's calculations resulting in higher DTI
10139540 XXXXX Loan Purpose XXX XXX Updated XXX per the final CD.
10161125 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
10161125 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10161133 XXXXX Property Value $XXX $XXX Appraisal XXX and Prior Sale/Transfer Property Valuation XXX
10161133 XXXXX Qualifying CLTV XXX XXX Manual calculation of CLTV: XXX ÷ Appraised Value or Sale Price XXX × XXX = XXX%. However the tape data shows CLTV as XXX%
10161133 XXXXX Qualifying LTV XXX XXX Manual calculation of LTV: XXX ÷ Appraised Value or Sale Price XXX × XXX = XXX%. However the tape data shows LTV as XXX%
10161133 XXXXX Qualifying All Borrower Residual Income $XXX $XXX DTI XXX% → No residual income requirement. Confirmed with Lender Guideline and True Date show LM Auto Calculated XXX
10161138 XXXXX Note Date XX/XX/XXXX XX/XX/XXXX  
10161138 XXXXX Property Value $XXX $XXX Verified to appraised value vs XXX price
10161138 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Based on verified income and total debts
10161139 XXXXX Property Value $XXX $XXX XXX is XXX per appraisal report
10161139 XXXXX Qualifying CLTV XXX XXX CLTV calculated as $XXX/ XXX = XXX% which matches the XXX
10161139 XXXXX Qualifying LTV XXX XXX LTV calculated as $XXX/ XXX = XXX% which matches the XXX
10161139 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Residual income calculated as $ XXX
10161152 XXXXX Property County XXX XXX Per Mortgage
10161152 XXXXX Qualifying FICO XXX XXX Per Credit Report/Loan approval
10161152 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10161160 XXXXX Property Value $XXX $XXX Confirmed with Appraisal p.XXX
10161160 XXXXX Qualifying Total Reserves Number of Months XXX XXX Reserves Confirmed with Statements on file
10161160 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Residual income not required as per guideline DTI is less than XXX%
10161162 XXXXX Property County XXX XXX Per Mortgage
10161162 XXXXX MIN No XXX XXX Per Note
10161162 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10161171 XXXXX Property Value $XXX $XXX Confirmed on appraisal, tape is XXX price.
10161171 XXXXX MIN No XXX XXX Confirmed on Mortgage in file.
10161171 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Confirmed, unbale to calculate audit business income due to missing XXX months bank Statements.
10161237 XXXXX ULI XXX XXX Verified with the Final 1003
10161237 XXXXX Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.
10161237 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified with the initial 1003
10161237 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
10161237 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10161239 XXXXX MIN No XXX XXX Min Audited to DOT
10161239 XXXXX Qualifying Total Reserves Number of Months XXX XXX audit reserves post closing XX/XX/XXXX
10161239 XXXXX Qualifying All Borrower Residual Income $XXX $XXX residual is XXX also match XXX
10161240 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10161267 XXXXX Verified Doc Type XXX XXX Per Lock
10161267 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per assetss
10161267 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10161282 XXXXX Qualifying Total Reserves Number of Months XXX XXX Confirmed on verified assets after funds to close.
10161282 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Confirmed after debts reflected on credit report and PITIA of the subject.
10161285 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the cash out.
10161285 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10161286 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per assets
10161286 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10161289 XXXXX Property Value $XXX $XXX Verified per Appraisal.
10161289 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified if required per Lender guides and compared it to the Note (XXX) and applicable assets available.
10161289 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying XXX DTI ratio (> XXX%) and Compliance Report for HPML status.
10179350 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Documentation in the loan file confirms the XXX of XX/XX/XXXX. (LE)
10179350 XXXXX Credit QM/ATR Designation XXX XXX Documentation int he file supports Non-QM.
10179350 XXXXX Qualifying Total Debt Income Ratio XXX XXX Auditor calc of second home was based on the mortgage Statements in the file. Originators calc appears to be based on the credit report balances, creating a minimal difference in the DTI
10179355 XXXXX Borrower 1 Last Name XXXXX XXXXX per Note.
10179355 XXXXX Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
10179355 XXXXX Qualifying Total Debt Income Ratio XXX XXX XXX% DTI per audit review. Variance in the consumer debt - XXX payment per credit report is XXX XXX payment per Final 1003/XXX is XXX
10179437 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003
10179437 XXXXX Credit QM/ATR Designation XXX XXX Per Loan Approval
10179437 XXXXX Loan Product Type XXX XXX Per Note
10179446 XXXXX Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX  
10179446 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, Per Initial 1003.
10179446 XXXXX Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
10179448 XXXXX Credit QM/ATR Designation XXX XXX  
10179449 XXXXX Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX Verified with the Signature date.
10179449 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified with the initial 1003.
10179449 XXXXX Credit QM/ATR Designation XXX XXX System Options.
10179510 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified by the initial 1003.
10179510 XXXXX Credit QM/ATR Designation XXX XXX Verified by the guidelines.
10179510 XXXXX Qualifying Total Debt Income Ratio XXX XXX Verified by the calculations.
10179522 XXXXX Qualifying Total Debt Income Ratio XXX XXX Updated per liabilities
10179522 XXXXX Credit QM/ATR Designation XXX XXX Updated per income type
10179543 XXXXX Credit QM/ATR Designation XXX XXX Updated per income type
10179543 XXXXX Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX Updated per final CD - compliance
10220072 XXXXX Qualifying Total Reserves Number of Months XXX XXX Assets updated as per asset document
10220072 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Qualifying borrower residual income calculated after the borrower expenses deducted
10220073 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified per guidelines and compared against the DTI ratio and HPML status to determine if requirements are applicable.
10220080 XXXXX Property County XXX XXX Verified to Deed
10220080 XXXXX MIN No XXX XXX Verified to Deed
10220080 XXXXX Property Value $XXX $XXX Verified to appraised value vs XXX price
10220080 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified to initial 1003
10220080 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Based on verified income and total debts
10220117 XXXXX MIN No XXX XXX Verified with the Security Instrument.
10220117 XXXXX Verified Doc Type XXX XXX Verified with the Income documents and income calculator.
10220117 XXXXX Loan Product Type XXX XXX Verified with the Note.
10220117 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10220118 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements
10220118 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10220120 XXXXX Qualifying Total Reserves Number of Months XXX XXX Cash to close is being used for reserves
10220120 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Correct calculated residual income is XXX
10220141 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Pg.XXX 1003 initial date XX/XX/XXXX
10220141 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Not required DTI <XXX%
10220149 XXXXX Property Type XXX XXX  
10220149 XXXXX Qualifying Total Reserves Number of Months XXX XXX Auditor verified all assets and funds needed for closing and reserves.
10220149 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Auditor verified all income and monthly expenses with borrowers residual income validated XXX-XXX=XXX
10220185 XXXXX Property Value $XXX $XXX Tape value is XXX price
10220185 XXXXX Property Type XXX XXX  
10220185 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per verified assets
10220185 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per verified income
10220186 XXXXX Maturity Date XX/XX/XXXX XX/XX/XXXX Per note and deed XX/XX/XXXX
10220186 XXXXX Term XXX XXX Final Note p.XXX shows XXX
10220186 XXXXX Property Value $XXX $XXX  
10220186 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Initial 1003 p.XXX
10220186 XXXXX Qualifying LTV XXX XXX  
10220186 XXXXX Qualifying CLTV XXX XXX  
10220186 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified assets Statement on file
10220186 XXXXX Loan Product Type XXX XXX Note p.XXX and Deed confirm XXX Year
10220186 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Required minimum XXX when DTI between XXX-XXX%
10220187 XXXXX ULI XXX XXX Updated as per Final 1003
10220187 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified XXX from Note and lender guidelines.
10220187 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified from lender guidelines and compared to BE DTI ratio and compliance report for HPML status.
10220190 XXXXX MIN No XXX XXX Updated as per Mortgage Document
10220190 XXXXX Property Value $XXX $XXX Updated as per Appraisal
10220190 XXXXX Qualifying LTV XXX XXX LTV 79.91% Roundingoff
10220190 XXXXX Qualifying CLTV XXX XXX CLTV 79.91% Roundingoff
10220190 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Updated as per Income
10220191 XXXXX Property Value $XXX $XXX Confirmed with Appraisal
10220191 XXXXX ULI XXX XXX Confirmed with Final 1003
10220191 XXXXX Qualifying Total Reserves Number of Months XXX XXX Confirmed with Asset document, Final 1003 and Guideline
10220191 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Confirmed with guideline DTI less than XXX% hence not used residual income
10220193 XXXXX MIN No XXX XXX Per Note
10220193 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per Final 1003 assets
10220193 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10220201 XXXXX MIN No XXX XXX Verified with the Security Instrument.
10220201 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
10220201 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10220205 XXXXX Property Value $XXX $XXX PER APPRSL, XXX VALUE
10220205 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX REQUIRE XXX RESERVES; HOWEVER, APPROVAL IN FILE LIST XXX MONTHS, AND A REDUCTION OF XXX MONTHS OF RESERVES WAS USED
10220205 XXXXX Qualifying All Borrower Residual Income $XXX $XXX XXX RESIDUAL INCOME USED FOR XXX PERSON FAMILY
10220213 XXXXX ULI XXX XXX Per the 1003
10220213 XXXXX Qualifying FICO XXX XXX Per the credit report in file dated XX/XX/XXXX
10220213 XXXXX Qualifying Total Reserves Number of Months XXX XXX XX/XX/XXXX verified
10220213 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Residual income calculated=$XXX
10220225 XXXXX ULI XXX XXX Entered as Per 1003.
10220225 XXXXX Qualifying Total Reserves Number of Months XXX XXX Confirmed assets with asset documents.
10220225 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Confirmed income with bank Statements.
10220235 XXXXX Number of Units XXX XXX Property is a single family home with accessory unit as guest home (no bedroom or stove in the guest house) Appraisal is Uniform Appraisal report
10220235 XXXXX Prepayment Penalty Flag XXX XXX Confirmed Prepayment Penalties Addendum was provided.
10220235 XXXXX Qualifying Total Housing Expense PITIA XXX XXX Confirmed PITI is XXX
10220242 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
10220242 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with income and liabilities.
10220260 XXXXX Qualifying All Borrower Residual Income $XXX $XXX  
10220264 XXXXX Qualifying Total Reserves Number of Months XXX XXX Reserves updated as per Matrix
10220264 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Qualifying borrower residual income calculated after the borrower expenses deducted
10220271 XXXXX Property Value $XXX $XXX The XXX has a appraisal Value of XXX the provided appraisal and desk review value is XXX
10220271 XXXXX Qualifying LTV XXX XXX The XXX has a appraisal Value of XXX the provided appraisal and desk review value is XXX
10220271 XXXXX Qualifying CLTV XXX XXX The XXX has a appraisal Value of XXX the provided appraisal and desk review value is XXX
10220271 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent assets.
10220271 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10220273 XXXXX Qualifying FICO XXX XXX The lowest middle score of all three borrowers is XXX
10220273 XXXXX Property Type XXX XXX  
10220273 XXXXX Qualifying Total Reserves Number of Months XXX XXX The post closing assets equal XXX months reserves.
10220273 XXXXX Qualifying All Borrower Residual Income $XXX $XXX There is no guideline residual income requirement.
10220289 XXXXX Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.
10220289 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified with the initial 1003.
10220289 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statement.
10220289 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10220291 XXXXX MIN No XXX XXX Per Note
10220291 XXXXX ULI XXX XXX Per 1003
10220291 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003
10220291 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per assets
10220291 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10220292 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10220293 XXXXX Qualifying Total Reserves Number of Months XXX XXX Updated as Per Assets.
10220293 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Residual Income Updated as Per Guidelines.
10220297 XXXXX First Payment Date XX/XX/XXXX XX/XX/XXXX Per Note
10220297 XXXXX Maturity Date XX/XX/XXXX XX/XX/XXXX Per Note
10220297 XXXXX MIN No XXX XXX Per Note
10220297 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10220302 XXXXX ULI XXX XXX Verified with the Final 1003
10220302 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified with the initial 1003
10220302 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements and cash out.
10220302 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10220306 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified by Assets in file
10220306 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Residual Income verified with Bank Statements
10220308 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX updated as per guidelines.
10220308 XXXXX Qualifying All Borrower Residual Income $XXX $XXX XXX updated as per guideline.
10220315 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per assets
10220315 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10250596 XXXXX Property Value $XXX $XXX Verified per the subject property appraisal. Disclosed as XXX
10250596 XXXXX Property Type XXX XXX The subject property appraisal disclosed the subject property is a XXX.
10250596 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified per asset documentation and per final CD.
10250596 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified per the asset documents and the final CD in the loan file.
10250613 XXXXX MIN No XXX XXX .
10250613 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per the 1003 the XXX is XX/XX/XXXX
10250613 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Residual Income verified is XXX
10250619 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per CD
10250619 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Per monthly income less all debts
10250633 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statement.
10250633 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
10250684 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Initial 1003 pg.XXX
10250684 XXXXX ULI XXX XXX 1003 pg.XXX
10250684 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified assets on file
10250684 XXXXX Qualifying All Borrower Residual Income $XXX $XXX Residual not required DTI <XXX%
9986930 XXXXX Sales Price $XXX $XXX The subject is a cash out XXX. There is no XXX
10085027 XXXXX Sales Price $XXX $XXX XXX transaction
10085027 XXXXX Property Type XXX XXX Per appraisal
10088781 XXXXX Sales Price $XXX $XXX XXX file.
10110035 XXXXX Qualifying FICO XXX XXX Verified with the Credit report.
10158201 XXXXX Loan Amount $XXX $XXX Verified XXX using the Note
10107046 XXXXX Sales Price $XXX $XXX Verified XXX using sales contract
10084938 XXXXX Credit QM/ATR Designation XXX XXX Verified by the guidelines.
10161155 XXXXX Property Value $XXX $XXX Confirmed on appraisal in file. XXX is XXX price.
10161155 XXXXX Qualifying FICO XXX XXX Confirmed on credit report in file.
10161270 XXXXX Property Type XXX XXX Per Appraisal report the subject is located in a PUD
10161119 XXXXX Borrower 1 FTHB XXX XXX Per Final 1003
10161119 XXXXX Originator Doc Type XXX XXX Per Loan Approval