Loan ID	Seller Loan ID	Field Name	Verified Value	Bid Tape Value	Comment
4500001133		Qualifying Total Debt Income Ratio	XXX	XXX	Lender omitted XXX payment of XXX per month. No documentation found in file to support exclusion.
4500001139		Qualifying Total Debt Income Ratio	XXX	XXX	Documentation in file confirms XXX is XXX; tax ID XXX (pg XXX). Tax document for the property (pg XXX) reflects both school and county taxes. It reflects XXX county taxes but XXX school. Auditor calculated annual taxes by adding the XXX school taxes and the XXX county taxes and that computes to XXX annual and XXX monthly ($XXX+$XXX=$XXX/XXX=$XXX). Loan was qualified at origination with XXX monthly. Auditor used XXX monthly. Tax bill for XXX reflects XXX which computes to XXX monthly ($XXX/XXX). Loan was qualified at origination with XXX monthly. The max amount reflected in bill if paid late is XXX which computes to XXX monthly ($XXX/XXX). Auditor used XXX monthly. DTI increased fr XXX% to XXX%; still within XXX% guideline.
4500001165		Qualifying Total Debt Income Ratio	XXX	XXX	lender calculated B2 income $XXX. The auditor calculated income of $ XXX. Reason for slight difference in DTI
4500001169		Qualifying Total Debt Income Ratio	XXX	XXX	TOTAL INCOME TO QUALIFY: $XXX; noting the lender qualified with $XXX/mth leaving a $XXX/mth income variance. The SSA income could not be grossed up, per the XXX guidelines, the borrower income exceeds the annual threshold of annual income for SSI income to be non- taxable.
4500001171		Qualifying Total Debt Income Ratio	XXX	XXX	Data and values verified
4500001239		Qualifying Total Debt Income Ratio	XXX	XXX	Discrepancy due to income disparity. Borrower is wage earner paid annual salary of XXX / XXX = XXX YTD and W2 supports. Lender used $XXX. Do not agree with lender. DTI is acceptable.
4500001241		Qualifying Total Debt Income Ratio	XXX	XXX	Auditor DTI is XXX% due to using less salaried income of XXX than the lender used and XXX more rental loss located at XXX rental verses lender, other rental used lenders loss since greater than auditors. The schedule E rentals consisted of XXX for XXX and XXX for XXX. The Lender used a XXX of XXX per month as shown on auditor rental calc. Since lender loss was greater, used the lenders loss since greater for XXX but auditor loss was slightly higher on XXX so used lesser.
4500001265		Qualifying Total Debt Income Ratio	XXX	XXX	DTI discrepancy of XXX% is the amount of the PITI/HOA for XXX  in the amount of XXX
4500001269		Qualifying Total Debt Income Ratio	XXX	XXX	Lender qualified with XXX in bonus income. However, bonus income was less and was not needed to qualify.
4500001279		Qualifying Total Debt Income Ratio	XXX	XXX	Variance is due to rounding
4500001285		Qualifying Total Debt Income Ratio	XXX	XXX	DTI discrepancy in the amount of $XXX. XXX reflects a mortgage payment for 1st in the amount of $XXX. Mortgage Statement on page XXX reflects $XXX.
4500001293		Qualifying Total Debt Income Ratio	XXX	XXX	Data and values verified
4500001323		Qualifying Total Debt Income Ratio	XXX	XXX	Added Service XXX #XXX from credit report in page #XXX for solar that was not included in liabilities from lender (XXX) in the amount of $XXX/mth and balance of $XXX; there is no XXX, therefore did not include in LTV/CLTV; increased DTIR from XXX% to XXX%
4500001329		Qualifying Total Debt Income Ratio	XXX	XXX	Audit DTI XXX% slightly higher than lender's DTI XXX% due to B2 hourly rate and XXX  part time hours XXX vs lender using YTD average income XXX - no issues with debt to income.
4500001331		Qualifying Total Debt Income Ratio	XXX	XXX	Lender used a higher income calculation for B1 VA Compensation.
4500001363		Qualifying Total Debt Income Ratio	XXX	XXX	Auditors calculation of the bonus/incentive income was less than the lenders, XXX vs XXX
4500001377		Qualifying Total Debt Income Ratio	XXX	XXX	Income submitted by the lender was $XXX/mth-$XXX=($XXX)/mth leaving a XXX% Income variance. Using lessor of the income to qualify
4500001395		Qualifying Total Debt Income Ratio	XXX	XXX	borrower paid $XXX*XXX/XXX=$XXX per month. The income submitted by the lender was XXX per month; Income Calculated was XXX leaving a XXX difference XXX% variance that is still within tolerance.
4500001409		Qualifying Total Debt Income Ratio	XXX	XXX	Discrepancy due to rounding and decimals to the hundredths.
4500001461		Qualifying Total Debt Income Ratio	XXX	XXX	Lender is using a higher qualifying income
4500001465		Qualifying Total Debt Income Ratio	XXX	XXX	Updated 1008 and 1003 provided by lender with revised DTI of XXX.
4500001501		Qualifying Total Debt Income Ratio	XXX	XXX	The difference is the HOA. Lender used the Statement as a yearly amount and auditor used the Statement as a monthly amount XXX vs $XXX. Statement date XX/XX/XXXX billed XXX due XX/XX/XXXX.
4500001525		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is XXX% due to a slight difference in base income and rental income calculation found during audit.
4500001537		Qualifying Total Debt Income Ratio	XXX	XXX	lower income of base used for B1 XXX vs XXX.
4500001575		Qualifying Total Debt Income Ratio	XXX	XXX	XXX% DTI is less than guideline XXX% (calculated income =$XXX /$XXX (total monthly pymnt) = XXX%)
4500001581		Qualifying Total Debt Income Ratio	XXX	XXX	Loan was qualified at origination with XXX monthly base income which included XXX monthly base income from employment with XXX. Bi-weekly base earnings reflected in paystub computes to XXX monthly ($XXX). Using this income along with XXX monthly income from self employment resulted in total monthly income of XXX which resulted in the increase of DTI ratio from XXX% to XXX%; not material and still within the XXX% guideline.
4500001585		Qualifying Total Debt Income Ratio	XXX	XXX	Lender provided updated income package (XXX, XXX-XXX and IRA account Statement). With additional Retirement Income added, the revised DTI is XXX.
4500001593		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is XXX% due to a slight difference in income calculation and rental calculations during audit. DTI is within allowable tolerance.
4500001611		Qualifying Total Debt Income Ratio	XXX	XXX	Auditor was unable to determine how the lender calculated OT of $ XXX so OT income was removed. The paystub did not reflect any YTD OT income earned for this year. Removing this income the DTI goes from XXX to XXX. The DTI is still within guideline tolerance.
4500001631		Qualifying Total Debt Income Ratio	XXX	XXX	Discrepancy due to lower XXX amount.
4500001653		Qualifying Total Debt Income Ratio	XXX	XXX	The DTI variance is due to the auditor locating current homeowners insurance renewal policy on page XXX with increased premium to XXX per month and used this for auditing purposes due to the fact the loan closed  XXX and policy was expiring the following month. Since lender had renewal policy with the new premium and changing within XXX days of note date, it should used for DTI purposes and to avoid and escrow shortage.
4500001675		Qualifying Total Debt Income Ratio	XXX	XXX	Lender used XXX monthly for HOA the actual is XXX monthly for HOA. Invoice in the file is a XXX bill not an annual bill
4500001709		Qualifying Total Debt Income Ratio	XXX	XXX	XXX income variance. Borrower is still within Guideline limits
4500001721		Qualifying Total Debt Income Ratio	XXX	XXX	The DTI variance is due to lender using monthly qualifying income of XXX and auditor calculated qualifying monthly income of $XXX.
4500001729		Qualifying Total Debt Income Ratio	XXX	XXX	Lender used rent loss as monthly other debt rather than hitting them on the back end. In addition, XXX sources of income variation were combined.
4500001737		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is due to using slightly lower income for Borrower 2 retirement incomer
4500001775		Qualifying Total Debt Income Ratio	XXX	XXX	Lender used a different figure for HOI. Policy in file verified at XXX or XXX per month.
4500001783		Qualifying Total Debt Income Ratio	XXX	XXX	Data an values verified
3565681726		Qualifying Total Debt Income Ratio	XXX	XXX	The lender used OT of XXX and Bonus of XXX per month for qualifying purposes. Auditor only used base pay of XXX per month as no prior year history of receipt of at least XXX months per investor guide required or likelihood of continuance was verified.
3565805798		Qualifying Total Debt Income Ratio	XXX	XXX	DTI variance is due to Lender including HOA fee- per XXX subject no HOA
3565814720		Qualifying Total Debt Income Ratio	XXX	XXX	Lender used XXX for monthly HOA dues. HOA Statement shows XXX per year or XXX per month
3566071355		Qualifying Total Debt Income Ratio	XXX	XXX	Audit DTI XXX% lower due to XXX Income XXX and Loss of XXX was added to Income vs Credit Liabilities..
3566112824		Qualifying Total Debt Income Ratio	XXX	XXX	XXX% DTI difference. Lender qualified using $XXX. Reviewer qualified using XXX due to differences in base income for B1.
3566208800		Qualifying Total Debt Income Ratio	XXX	XXX	The slight discrepancy is the Hazard Policy(HO6) of XXX monthly located on page XXX wasn’t included into the PITI. There is a copy of the master policy in file on page XXX However no indication that the policy included walls in coverage.
3566215118		Qualifying Total Debt Income Ratio	XXX	XXX	XXX% DTI variance - lender qualified B2 using XXX in SSI. However actual SSI grossed up is XXX
3566340304		Qualifying Total Debt Income Ratio	XXX	XXX	Lender provided updated 1003 and XXX with revised income and DTI XXX% which matches True Data.
3563926934		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is different due to HOI not being included in ratios from the lenders side.
3564703266		Qualifying Total Debt Income Ratio	XXX	XXX	Variance is DTI is due to XXX. Lender gave the borrower VA benefits of XXX and Audit verified VA benefits of XXX
3564762537		Qualifying Total Debt Income Ratio	XXX	XXX	Lender provided updated 1003 and XXX revising B1 income to XXX and DTI to XXX%.
3564809332		Qualifying Total Debt Income Ratio	XXX	XXX	Income documentation provided does not support Lender income of XXX per month. Documentation supports income of XXX per month used to qualify. Borrower started employment XX/XX/XXXX. Only XXX paystub in the file with no XXX information.
3565142367		Qualifying Total Debt Income Ratio	XXX	XXX	Qualified income is hourly base $XXX*XXX*XXX/XXX=$XXX and YTD+XXX overtime of $XXX. Total income $XXX. Lender used YTD for OT. Per XXX, if the trend in the amount of income is stable or increasing, the income amount should be averaged.
3565437709		Qualifying Total Debt Income Ratio	XXX	XXX	DTI variance is due to Audit using lower amount for base income for br XXX
3565499873		Qualifying Total Debt Income Ratio	XXX	XXX	Total debt $XXX/$XXX(income)=XXX%. Variance is due to rounding and placement to decimal point.
3565667419		Qualifying Total Debt Income Ratio	XXX	XXX	Borrower has two jobs. Lender used only base pay for job one in the amount of XXX which matches audit income for job one. For job two Lender used base pay of XXX and overtime income of $XXX. A WVOE was provided by Lender XXX YTD overtime income of XXX and prior year XXX overtime income of $XXX. The prior year reflects Bonus income of $XXX. The WVOE would not reflect Bonus income for 2nd prior year as Hire date was XX/XX/XXXX. The year end paystub shows the XXX bonus for XXX was a signing on bonus and thus would not be expected to continue in XXX Using prior year XXX and YTD overtime income, the average is $XXX. Using this figure to qualify overtime income.
3566026856		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is off due to lender having XXX for HOA dues, used XXX for HOA dues per appraisal.
3566076975		Qualifying Total Debt Income Ratio	XXX	XXX	DTI variance is due to Audit using slightly lower income than lender
3566086395		Qualifying Total Debt Income Ratio	XXX	XXX	Variance is caused by mortgage Statement (p.XXX) which reflects P&I payment for subject as $XXX. XXX reflects $XXX.
3566231710		Qualifying Total Debt Income Ratio	XXX	XXX	Audit income for borrower is lower than lenders. Per paystub XXX is paid bi-weekly XXX wage and XXX housing. Total income is XXX x XXX /XXX = $XXX. Lender income of XXX is not supported by XXX W2 or YTD figures.
3566247144		Qualifying Total Debt Income Ratio	XXX	XXX	DTI variance is due to Audit using slightly higher mortgage payment for non subject REO
3566341219		Qualifying Total Debt Income Ratio	XXX	XXX	Audit Overtime Income of XXX is slightly less than Lender's Overtime income of XXX resulting in DTI of XXX%.
3566417481		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is off due to income being slightly lower from lenders calculation
3566493066		Qualifying Total Debt Income Ratio	XXX	XXX	Lender used payment of XXX for HOI. The [redacted] showed effective policy date of XX/XX/XXXX-XX/XX/XXXX and premium amt of $ XXX/XXX =$XXX. DTI was higher due to the Auditor using the higher amt.
3566556419		Qualifying Total Debt Income Ratio	XXX	XXX	The discrepancy is the XXX pay XXX*XXX=$XXX. However, qualified income was XXX and YTD only supports $XXX/XXX=$XXX.
3566608679		Qualifying Total Debt Income Ratio	XXX	XXX	The Auditor calculated income of $ XXX (Paystub confirmed bi weekly amt of $ XXX= $ XXX). The lender calculated income of XXX
3566613116		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is off due to OT income being slightly lower than lenders. Using lenders amount for bonus income as it is lower. Both totals are most conservative.
3566810394		Qualifying Total Debt Income Ratio	XXX	XXX	Taxes per the Tax cert are less than the lenders
3566861341		Qualifying Total Debt Income Ratio	XXX	XXX	Due to income/liabilities calculation
3564917352		Qualifying Total Debt Income Ratio	XXX	XXX	True DATA-XXX% DTI vs Tape DATA-XXX% DTI.. ender's net rental income-$XXX vs Audit net rental income-$XXX..XXX) XXX -$XXX....XXX) XXX-<$XXX>....XXX)XXX -<$XXX>.... -<$XXX>. Slightly DTI reduction
3565327743		Qualifying Total Debt Income Ratio	XXX	XXX	Subject property 1st mortgage P&I reflects higher monthly payment causing DTI to increase.
3565349546		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is lower due to lower taxes documented within the file than what was used on final XXX Taxes are lower by XXX
3566231103		Qualifying Total Debt Income Ratio	XXX	XXX	Auditors calculation of commission was less than the lenders. Lender may have used previous XXX years average commission however income declined in XXX compared to XXX Auditor used average of YTD and XXX commissions after deducting borrower base pay. Auditor used the lessor of commission pay,
3566408601		Qualifying Total Debt Income Ratio	XXX	XXX	Per the insurance policy the annual premium amount is $XXX/XXX= XXX lender had XXX that is why the lender ratios is XXX and the current ratios with the updated amount is XXX///
3566592700		Qualifying Total Debt Income Ratio	XXX	XXX	Lender provided updated income on 1003 and XXX with revised DTI of XXX.
3566744221		Qualifying Total Debt Income Ratio	XXX	XXX	lender used PI of XXX for the 1st lien, which includes an escrow shortage.
3567082874		Qualifying Total Debt Income Ratio	XXX	XXX	this is due to the property taxes. Lender has $XXX. Per taxes page XXX taxes are $XXX.
3567140478		Qualifying Total Debt Income Ratio	XXX	XXX	Borrower was qualified at origination with XXX monthly base income. Borrower is a XXX and per WVOE (pg XXX) borrower is paid XXX months of the year. The WVOE does not confirm borrower is paid bi-weekly over XXX months. WVOE reflects XXX bi-weekly and a XXX month pay schedule is equivalent to XXX bi-weekly pay periods and that would compute to XXX monthly over XXX months ($XXX). Borrower was qualified with XXX monthly which is the bi-weekly base income calculated over XXX pay periods ($XXX). The YTD base earnings support the income used at origination but since the WVOE indicates paid bi-weekly over XXX months, Auditor proceeded with the audit calculated more conservative XXX monthly. The DTI increased from XXX% to XXX%.
3567405956		Qualifying Total Debt Income Ratio	XXX	XXX	DTI is different due to lenders insurance amount of XXX Per documents on page XXX insurance annual amount is XXX which is XXX monthly.
3567446019		Qualifying Total Debt Income Ratio	XXX	XXX	Verified, the Tape Data match with the XXX transmittal summary
3567479139		Qualifying Total Debt Income Ratio	XXX	XXX	The lender's amount is slightly higher (XXX variance); however, the DTI is still well within the guideline tolerance.
3567723198		Qualifying Total Debt Income Ratio	XXX	XXX	DTI variance is due to Audit using YTD income which is slightly lower than base. The HOA calculated is XXX; lender used XXX
3567788152		Qualifying Total Debt Income Ratio	XXX	XXX	Income was calculated slightly lower than lender.
3567825108		Qualifying Total Debt Income Ratio	XXX	XXX	Lender did not include Condo insurance
3567864866		Qualifying Total Debt Income Ratio	XXX	XXX	First lien payment per the mortgage Statement is lower than lender calculated at XXX
3568060143		Qualifying Total Debt Income Ratio	XXX	XXX	XXX - This Liability details updated from credit card Statement. Lender has XXX making XXX Difference
3568156875		Qualifying Total Debt Income Ratio	XXX	XXX	Lender included full mortgage payment of second mortgage (including escrows) 0f XXX instead of XXX and interest payment XXX in primary housing expense ratio
3567488192		Qualifying Total Debt Income Ratio	XXX	XXX	Audited income slightly higher than lender's calculation. All liabilities match.
3567925680		Qualifying Total Debt Income Ratio	XXX	XXX	DTI variance due to income calculations varying by $XXX.
3567989587		Qualifying Total Debt Income Ratio	XXX	XXX	Lender used XXX for the monthly payment on the Solar lease which is the year XXX payment for the year XXX the monthly payment is XXX page XXX
3568615599		Qualifying Total Debt Income Ratio	XXX	XXX	Difference is due to change to the income. Reviewer using hourly base XXX that equals XXX per XXX Overtime, Previous XXX Yrs AVG XXX Bonus, Previous XXX Yrs AVG XXX Reviewer’s total income $XXX. Lender used XXX
3571934989		Qualifying Total Debt Income Ratio	XXX	XXX	AUDIT: Qualifying income=$XXX.. otal Subject Housing Expense-$XXX + Total Other Mthly Debts-$XXX=All Total Monthly Liabilities=$XXX/$XXX=XXX% DTI. Moreover, AUDIT: XXX pg #XXX.. XXX (includes credits, discounts, optional coverages, endorsements, State surcharges and Taxes) is $XXX~$XXX vs Lender's monthly insurance-$XXX Variance-<$XXX>
3572259946		Qualifying Total Debt Income Ratio	XXX	XXX	Discrepancy confirmed with in rounding variance
3572370664		Qualifying Total Debt Income Ratio	XXX	XXX	XXX DTI is less than guideline XXX% DTI (DTI differs due to inclusion of HOA, which was not included by Lender)
3572832709		Qualifying Total Debt Income Ratio	XXX	XXX	DTI Discrepancies Payment Variance: The credit report shows inquiries within the last XXX days, and the Credit Inquiries Letter confirms a new account opened with XXX (#XXX) carrying a monthly payment of XXX (page XXX). This account has been updated in Liabilities; however, the lender did not include XXX #XXX in their calculation, resulting in DTI discrepancies. DTI Comparison Audited DTI: Front XXX% Back XXX% XXX DTI: Front XXX% Back XXX% Tape Data DTI: XXX Observation: All variances are within the allowable XXX% tolerance and meet Guideline DTI of XXX%
3573722657		Qualifying Total Debt Income Ratio	XXX	XXX	Due to audit income calculation of XXX (bonus of XXX not year as XXX year history of receipt not established) vs lender income XXX
3573835017		Qualifying Total Debt Income Ratio	XXX	XXX	XXX- Income-$XXX/ Total Liabilities-$XXX= XXX
3574461643		Qualifying Total Debt Income Ratio	XXX	XXX	Slight difference in 1st mortgage P&I payment
3574605480		Qualifying Total Debt Income Ratio	XXX	XXX	Discrepancy confirmed within rounding variance
3574608320		Qualifying Total Debt Income Ratio	XXX	XXX	Audit DTI XXX% is within variance
3574633694		Qualifying Total Debt Income Ratio	XXX	XXX	within variance
3574698141		Qualifying Total Debt Income Ratio	XXX	XXX	Lender did not qualify with the total hazard insurance XX. This caused the DTI to increase.
3574712711		Qualifying Total Debt Income Ratio	XXX	XXX	Adjustment made per liability
3574842624		Qualifying Total Debt Income Ratio	XXX	XXX	Lender used a slightly lower First Lien PI + Mortgage insurance amount not supported
3574919476		Qualifying Total Debt Income Ratio	XXX	XXX	The recalculate Total Qualifying DTI is $XXX(Subject total housing payment) XXX (total debts) = $XXX/$XXX(qualifying total monthly income) = XXX%. The discrepancy is the 1st lien monthly payment amount of XXX (1st lien mtg Statement page XXX), the lender used $XXX. The total DTI is still within lender’s guidelines.
3574928494		Qualifying Total Debt Income Ratio	XXX	XXX	Also, DTI differs slightly due to HOA fee. Auditor updated monthly HOA to match doc in file.
3575014027		Qualifying Total Debt Income Ratio	XXX	XXX	DTI Matches True Data for XXX% Vs Tape Data for XXX%: Auditor used bonus XXX = (Annualized YTD: XXX + Prior: XXX + 2nd Prior: $XXX)/XXX vs Tape Data did not annualize bonus. Also Tape Data included XXX curtailment of XXX in the Sr Lien PITI calculation for XXX vs True Data for $XXX. Finally, Tape data rounded down monthly PITI for from investment property: XXX vs True Data XXX per mortgage Statement.
3575014898		Qualifying Total Debt Income Ratio	XXX	XXX	The discrepancy is is the result of the HOI monthly amount of XXX which lowers the total monthly liabilities to XXX
3575016948		Qualifying Total Debt Income Ratio	XXX	XXX	Per XXX UW used a &I of XXX for the first mortgage lien. Auditor used the P&I payment of XXX per mortgage Statement in loan file, p XXX UW used a monthly figure of XXX for property taxes per XXX p.XXX. Property tax verified via Statement, p XXX - XXX
3575281678		Qualifying Total Debt Income Ratio	XXX	XXX	Audit DTI is lower due to lower verified P&I for the first lien of XXX per Mortgage Statement dated XX/XX/XXXX. Lender used $XXX.
3575473597		Qualifying Total Debt Income Ratio	XXX	XXX	there is liabiity that was not hit with additional debt. the 1003 hit for XXX howerver there is additional liab on the credit screen.+
3574096455		Qualifying Total Debt Income Ratio	XXX	XXX	Lender utilized the full PITIA payment on the subject's first lien resulting in a double calculation of the tax/insurance payments.
3574272342		Qualifying Total Debt Income Ratio	XXX	XXX	The Placement of the decimal is off and our data matches with the lender and confirmed in XXX document
3574704702		Qualifying Total Debt Income Ratio	XXX	XXX	Slight DTI difference due to lender double counting XXX liability
3574832622		Qualifying Total Debt Income Ratio	XXX	XXX	XXX
3575039323		Qualifying Total Debt Income Ratio	XXX	XXX	The XXX% DTI is correct due to the b2 income being reduced by $XXX. The Data Tape information reflects the XXX of the what the DTI XXX% the lender used to qualify the borrowers
3575412726		Qualifying Total Debt Income Ratio	XXX	XXX	XXX% DTI is correct due to the lender's XXX 1st mortgage payment was higher by XXX
3575693483		Qualifying Total Debt Income Ratio	XXX	XXX	Reviewed and Audited
3575769879		Qualifying Total Debt Income Ratio	XXX	XXX	There is difference in the Credit UW income and the lenders income. This has caused a discrepancy in the DTI
3575922424		Qualifying Total Debt Income Ratio	XXX	XXX	DTI variance True Data: XXX vs Tape Data: XXX is due to a slightly lower income calculation. True data using XXX monthly = YTD paystub $XXX/XXX. Tape data using hourly XXX. Current paystub reflects base pay of XXX hours. Overtime and bonus income exists, but tape data did not utilize overtime not bonus income. If used would easily cover the gap in base income.
3576073066		Qualifying Total Debt Income Ratio	XXX	XXX	Difference in DTI is due to the slight difference in the calculation of the Borrower's XXX  income calculation. Still meets guidelines.
3576228094		Qualifying Total Debt Income Ratio	XXX	XXX	Calculated DTI is XXX - Tape Data is XXX - Do to the HOA being verified, per the appraisal as XXX a month, instead of what was used at origination for the monthly HOA fee of XXX - Also do to decimal placement and rounding.