EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.04 - Schedule 5

 

Loan ID Redaction ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
XXXX 2138676 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per final CD
XXXX 2138676 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1981.99 1894.98 includes HOA 
XXXX 2137550 XXXX XXXX B1 Country Name the1003Page XXXX XXXX Per 1003
XXXX 2137550 XXXX XXXX Application Date complianceDetailPage XXXX XXXX Per 1003
XXXX 2137550 XXXX XXXX Amount of Other Lien titlePage XXXX XXXX no additional lien
XXXX 2137550 XXXX XXXX Number of Mortgaged Properties creditLiabilitiesPage 4 1.0 per 1003
XXXX 2147762 XXXX XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal
XXXX 2176980 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD in file
XXXX 2176980 XXXX XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX per appraisal
XXXX 2176980 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 6739.4 5876.89 Lender did not include HOA fee
XXXX 2176980 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 38.87 35.00 per assets
XXXX 2177005 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.13 1.12 Market rent/PITIA lender calc not provided
XXXX 2177016 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per settlement
XXXX 2177016 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1556.88 1596.55 Audit matches 1st payment letter.
XXXX 2177016 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.285 1.25 Market rent/PITI lender calc not provided
XXXX 2176983 XXXX XXXX Cash out Include Debt Paid at Close finalCdDetailPage 98724.39 -99260.02 per CD
XXXX 2176983 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 19.95 23.20 Less consumer debts being reporting 
XXXX 2171411 XXXX XXXX Application Date complianceDetailPage XXXX XXXX per 1003
XXXX 2171411 XXXX XXXX Borrower 1 Other Income the1003Page 0 1458333.33 Per Final 1003
XXXX 2171411 XXXX XXXX Borrower 1 Rent or Own the1003Page Own Rent Per Final 1003