|
Loan ID
|
Field Name
|
Verified Value
|
Bid Tape Value
|
Comment
|
|
2026050295
|
Application Date
|
XXX
|
XXX
|
Compliance
|
|
2026050295
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
True Data matches assets verified vs True Source is verified assets added to cash out total.
|
|
2026050295
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Tape Data is rounded. True Data is actual figures.
|
|
2026050024
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050101
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Matches 1008 - rounded down
|
|
2026050053
|
Borrower 1 Self-Employment Flag
|
XXX
|
XXX
|
Borrower is XXX% owner of business per XXX in file
|
|
2026050053
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender removed auto loan for less than XXX payments but credit does not support
|
|
2026050053
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender removed auto loan for less than XXX payments but credit does not support
|
|
2026050097
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Per License and Note.
|
|
2026050097
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050040
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Caused by incorrect P&I
|
|
2026050040
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Caused by incorrect P&I and differences in the credit report used
|
|
2026050040
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Caused by incorrect P&I and differences in the credit report used
|
|
2026050090
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Actual reserves verified.
|
|
2026050090
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050256
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Per the ID in the file this last name was updated per the documentation provided.
|
|
2026050256
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
The reserve amount in our system is also including the cash to close.
|
|
2026050256
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
The variance is with the XXX. The file has a booked marked flood insurance the monthly premium is $XXX. This caused a variance in the
DTI from XXX% to XXX%
|
|
2026050256
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
The variance is with the XXX. The file has a booked marked XXX the monthly premium is $XXX. This caused a variance in the DTI from XXX%
to XXX%
|
|
2026050256
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
$XXX is validated residual income. The variance is due to to the variance in the PITIA with the subject property. The XXX premium of
$XXX
|
|
2026050004
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050029
|
Cash Disbursement Date
|
XXX
|
XXX
|
Disbursement date XXX verified with Final CD
|
|
2026050029
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Updated assets to match lenders assets from 1008 as they are lower than most recent statement
|
|
2026050029
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True data is actual figures, Tape Data is rounded.
|
|
2026050122
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050060
|
Qualifying LTV
|
XXX
|
XXX
|
Rounding
|
|
2026050060
|
Qualifying CLTV
|
XXX
|
XXX
|
Rounding
|
|
2026050060
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
REO property on XXX did not have the monthly HOA payment added.
|
|
2026050060
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Variation in REO income due to using the actual figures and HOA payment for XXX not being added.
|
|
2026050022
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
|
|
2026050022
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050109
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Reserves verified with the most recent acct statements. Using XXX% of the stock value and XXX% of the XXX value.
|
|
2026050254
|
Property County
|
XXX
|
XXX
|
Per Mortgage
|
|
2026050254
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lenders income is slightly higher than the BS docs produce
|
|
2026050296
|
Property Address
|
XXX
|
XXX
|
No discrepancy.
|
|
2026050296
|
Qualifying FICO
|
XXX
|
XXX
|
Based on credit report dated XXX.
|
|
2026050296
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender's amount was based on the total liabilities reflected on the Initial 1003 on page XXX, whereas the Audit amount is consistent
with the liabilities reflected on the Final 1003.
|
|
2026050296
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender's amount was based on the total liabilities reflected on the Initial 1003 on page XXX, whereas the Audit amount is consistent
with the liabilities reflected on the Final 1003.
|
|
2026050253
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Verified reserves from the accts documented on the F1003 and verified in the file. Using applicable Qualifying percentages for XXX and
stocks.
|
|
2026050253
|
Borrower 1 Self-Employment Flag
|
XXX
|
XXX
|
Borrower employment is unknown./Asset Qualifier loan.
|
|
2026050106
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Assets are verified from the account listed on the Final 1003 and the signed Settlement Statement for the XXX.
|
|
2026050106
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data are the actual figures and not rounded.
|
|
2026050034
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
rounding
|
|
2026050140
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Verified Qualifying Total Debt Income Ratio XXX%
|
|
2026050140
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Verified Qualifying All Borrower Residual Income $ XXX
|
|
2026050099
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050107
|
Index
|
XXX
|
XXX
|
Updated as per Note Document
|
|
2026050107
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
Updated as per Credit Report
|
|
2026050107
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
Updated as per Credit Report
|
|
2026050107
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Reserves are based on verified assets in the file and cash-back at closing. This is a XXX transaction.
|
|
2026050107
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Variation in PITIA and a slight variance in debt and the subject HOA.
|
|
2026050107
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Variance in primary resident PITIA.
|
|
2026050107
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender rounded up applicants income
|
|
2026050091
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Borrowers REO properties and liabilities are slightly higher than reported.
|
|
2026050091
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Borrowers REO properties and liabilities are slightly higher than reported.
|
|
2026050026
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender averaged income over XXX months vs. XXX months required.
|
|
2026050026
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lender averaged income over XXX months vs. XXX months required.
|
|
2026050026
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender averaged income over XXX months vs. XXX months required.
|
|
2026050028
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Per Mortgage
|
|
2026050028
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050147
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Matches 1008 rounded up
|
|
2026050147
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
matches 1008 - rounded down - removed cents
|
|
2026050050
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Per docs in the file and matches CRSE
|
|
2026050050
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure, and income was $.XXX less
|
|
2026050045
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Junior per note
|
|
2026050045
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Verified assets based on the current balance from the account listed on the final 1003 plus verified the earnest money has been
withdrawn.
|
|
2026050045
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is the actual figure.
|
|
2026050123
|
Cash Disbursement Date
|
XXX
|
XXX
|
Final CD XXX disbursement date
|
|
2026050123
|
Qualifying CLTV
|
XXX
|
XXX
|
Rounded up
|
|
2026050123
|
Qualifying LTV
|
XXX
|
XXX
|
Rounded up
|
|
2026050123
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Gift funds deposited into escrow
|
|
2026050123
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender rounded down instead of using full XXX% for creditors without payments
|
|
2026050123
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender rounded down instead of using full XXX% for creditors without payments
|
|
2026050259
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Rounding
|
|
2026050259
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
lender rounded down all mortgage payments for all properties
|
|
2026050259
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Variance in rental income.
|
|
2026050151
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Verified with the most current acct statement with earnest money withdrawal verified.
|
|
2026050151
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is not a rounded figure.
|
|
2026050246
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lender used XXX
|
|
2026050246
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Per documents in the file and matches lenders 1008
|
|
2026050246
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Per documents in the file and matches lenders 1008
|
|
2026050246
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Slightly higher expenses with the REO and figure matches the CRSE
|
|
2026050096
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Residual Income updated as per XXX amount of $XXX.
|
|
2026050242
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Using the most recent balances from the accts listed on the XXX with XXX verified withdrawn.
|
|
2026050242
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Rounding.
|
|
2026050242
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is actual figures and not rounded.
|
|
2026050146
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
B1 Origination XXX updated as per credit report.
|
|
2026050146
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
B1 Origination XXX updated as per credit report.
|
|
2026050146
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Asset updated as per Bank statement from accts listed on the F1003 with XXX verified.
|
|
2026050146
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Using actual and not rounded figures.
|
|
2026050146
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Using actual debt payments and not rounded figures.
|
|
2026050243
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lenders calculated payment for primary and principal properties do not match the documents in the file.
|
|
2026050243
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lenders calculated payment for primary and principal properties do not match the documents in the file.
|
|
2026050243
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lenders calculated payment for primary and principal properties do not match the documents in the file.
|
|
2026050243
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lenders calculated payment for primary and principal properties do not match the documents in the file.
|
|
2026050127
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
Verified with the Credit Report
|
|
2026050127
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
Verified with the Credit Report
|
|
2026050127
|
Qualifying FICO
|
XXX
|
XXX
|
Verified with the Credit Report
|
|
2026050127
|
Borrower 1 Origination TransUnion
|
XXX
|
XXX
|
Verified with the Credit Report
|
|
2026050127
|
Property Type
|
XXX
|
XXX
|
Verified with the Appraisal and XXX
|
|
2026050127
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Primary residence incorrectly calculated
|
|
2026050127
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lender calculated the Present housing expense without XXX however we are added PITI of the Primary residence.
|
|
2026050127
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Primary residence incorrectly calculated
|
|
2026050005
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender is using a different credit report with different liabilities, and the 1003 reflects a lower XXX amount
|
|
2026050249
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Manual DTI calculation value XXX% Value Rounded up to XXX%.
|
|
2026050249
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050160
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050173
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Reserves are based on the verified assets and cleared XXX. Lender had XXX listed XXX on the F1003.
|
|
2026050173
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
True Data is using the actual figures and not rounded.
|
|
2026050173
|
Underwriting Exception in File?
|
XXX
|
XXX
|
|
|
2026050173
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050148
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender total liabilities $XXX less than credit report
|
|
2026050148
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender total liabilities $XXX less than credit report
|
|
2026050139
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True data is actual figures, Tape Data is rounded.
|
|
2026050070
|
Borrower 1 Last Name
|
XXX
|
XXX
|
As per Note
|
|
2026050070
|
Qualifying LTV
|
XXX
|
XXX
|
LTV discrepancy identified due to mismatch in property value between the appraisal and the 1008.
|
|
2026050070
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV discrepancy identified due to mismatch in property value between the appraisal and the 1008.
|
|
2026050070
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Audited Reserves of XXX months are within Guideline Required Reserves of XXX months
|
|
2026050070
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Residual income Rounded
|
|
2026050079
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Updated as per Asset Doc
|
|
2026050079
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
updated as per guidelines.
|
|
2026050075
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Update as per Lender Guidelines
|
|
2026050191
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050152
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050302
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Per mortgage
|
|
2026050302
|
Property City
|
XXX
|
XXX
|
Per note
|
|
2026050302
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050114
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Assets listed in the file are less than the lender is showing on the 1003
|
|
2026050114
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lenders is using an incorrect property tax figure
|
|
2026050114
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lenders is using an incorrect property tax figure
|
|
2026050114
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lenders is using an incorrect property tax figure
|
|
2026050036
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Matches 1008 - removed cents - rounded down
|
|
2026050247
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Per cash-out and asset documented in the file.
|
|
2026050247
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Per note, tax and HOI docs
|
|
2026050247
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Per credit report debts and income verified
|
|
2026050247
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Per income calculated and debts per credit report, there is a slight income variance.
|
|
2026050046
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Confirmed DTI XXX per final 1008
|
|
2026050046
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Tape data is correct with primary housing ratio of XXX
|
|
2026050046
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Tape data correct Residual income XXX
|
|
2026050065
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Rounding difference and UW figures match the CRSE
|
|
2026050065
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050055
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Residual income confirmed
|
|
2026050061
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
From credit report dated XXX.
|
|
2026050061
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
From credit report dated XXX.
|
|
2026050061
|
Qualifying FICO
|
XXX
|
XXX
|
Credit
|
|
2026050061
|
Borrower 2 Origination XXX
|
XXX
|
XXX
|
From credit report dated XXX.
|
|
2026050061
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
From credit report dated XXX.
|
|
2026050061
|
Borrower 2 Origination XXX
|
XXX
|
XXX
|
From credit report dated XXX.
|
|
2026050061
|
Borrower 2 Origination XXX
|
XXX
|
XXX
|
From credit report dated XXX.
|
|
2026050061
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Used verified assets plus XXX is verified. XXX has less asset verified.
|
|
2026050061
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is actual figures and not rounded.
|
|
2026050042
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Rounding. Audit reserves amount matches CRSE amount.
|
|
2026050042
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Rounding. 1008 reflects a housing ratio of XXX%.
|
|
2026050042
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050294
|
Property Address
|
XXX
|
XXX
|
Per note
|
|
2026050294
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Borrower has XXX% ownership in the corporation associated with the income. Lender is using an ownership percentage of XXX%. This
causes a slight variation of the DTIs and residual income.
|
|
2026050294
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Borrower has XXX% ownership in the corporation associated with the income. Lender is using an ownership percentage of XXX%. This
causes a slight variation of the DTIs and residual income.
|
|
2026050294
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Borrower has XXX% ownership in the corporation associated with the income. Lender is using an ownership percentage of XXX%. This
causes a slight variation of the DTIs and residual income.
|
|
2026050085
|
Index
|
XXX
|
XXX
|
Note
|
|
2026050085
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lender using balance from XXX instead of most recent moth
|
|
2026050085
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True data is the actual figures and not rounded.
|
|
2026050084
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lenders 1008/CRSE has the incorrect loan amount.
|
|
2026050084
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Borrowers REO properties are slightly different than reported on lenders 1003
|
|
2026050084
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Borrowers REO properties are slightly different than reported on lenders 1003
|
|
2026050166
|
Borrower 1 Last Name
|
XXX
|
XXX
|
XXX, per subject Note and license.
|
|
2026050166
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050178
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Asset balance updated as per Recent Doc.
|
|
2026050178
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Rounded.
|
|
2026050178
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded.
|
|
2026050144
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is the actual figures, not rounded.
|
|
2026050137
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Updated as Per Recent Asset Documents subtracting the unsourced deposits.
|
|
2026050137
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is the actual figures and not rounded.
|
|
2026050157
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True data is actual figures and not rounded.
|
|
2026050117
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Qualifying Total Reserves Number of months updated as per guidelines
|
|
2026050117
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Using actual figures.
|
|
2026050117
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Using actual figures and not rounded figures.
|
|
2026050119
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050016
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Rounding
|
|
2026050016
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is not rounded figures.
|
|
2026050120
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Audit consumer debt total is $XXX per month greater than Lender's amount.
|
|
2026050120
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Audit consumer debt total is $XXX per month greater than Lender's amount.
|
|
2026050121
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Using the most recent verified acct balances from the accts listed on the final 1003.
|
|
2026050121
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Rounding.
|
|
2026050121
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Liabilities not matching with Final 1003, 1008 and Credit report, Hence updated as per Credit report. DTI is Mismatching
|
|
2026050121
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Variance is due to using the debt payments off the origination credit report. The payments do not match the F1003.
|
|
2026050207
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lender did not use the XXX% reduction for an IRA
|
|
2026050207
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050227
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True data is actual figures, Tape Data is rounded.
|
|
2026050187
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Asset balance updated as per recent doc.
|
|
2026050187
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded.
|
|
2026050129
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Updated as per Asset Documents
|
|
2026050129
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
DTI XXX% Roundingoff
|
|
2026050129
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Updated as per Lender Guidelines
|
|
2026050138
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050073
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lender using a different QM payment. XXX YR ARM qualified at the Note Rate
|
|
2026050073
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender using a different QM payment. XXX YR ARM qualified at the Note Rate
|
|
2026050073
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender using a different QM payment. XXX YR ARM qualified at the Note Rate
|
|
2026050200
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Borrowers funds are at XXX% based on ownership of the LLC
|
|
2026050200
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050158
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is the actual figures and not rounded.
|
|
2026050162
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Using the most recent balances from the accts listed on the F1003.
|
|
2026050162
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender is not using the correct QM P&I payment on the 1008. Guidelines state XXX YR ARM qualified at the Note Rate.
|
|
2026050162
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lender is not using the correct QM P&I payment on the 1008. Guidelines state XXX YR ARM qualified at the Note Rate.
|
|
2026050162
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender is not using the correct QM P&I payment on the 1008. Guidelines state XXX YR ARM qualified at the Note Rate.
|
|
2026050202
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lender is counting multiple liabilities and an XXX.
|
|
2026050202
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender is counting multiple liabilities and an XXX.
|
|
2026050202
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender is counting multiple liabilities and an XXX.
|
|
2026050054
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Borrowers asset statement in the file does not match the amount lender used on the 1003/1008
|
|
2026050054
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050299
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Rounding. 1008 CLTV is XXX%.
|
|
2026050299
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender's consumer debt total was $XXX less than Audit.
|
|
2026050299
|
Underwriting Exception in File?
|
XXX
|
XXX
|
|
|
2026050299
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
|
|
2026050011
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050252
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050018
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050038
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is the actual figures and not rounded.
|
|
2026050232
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is actual figures and not rounded.
|
|
2026050214
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lenders REO property expense is slightly higher than the 1003
|
|
2026050214
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lenders REO property expense is slightly higher than the 1003
|
|
2026050303
|
Property Address
|
XXX
|
XXX
|
Per note
|
|
2026050303
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050310
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
The assets reflected on the Final 1003 were not verified in the loan file.
|
|
2026050310
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Discrepancy resulting from variance between consumer debt on Origination and XXX-Day credit reports.
|
|
2026050310
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Rounding.
|
|
2026050310
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Discrepancy resulting from variance between consumer debt on Origination and XXX-Day credit reports.
|
|
2026050278
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Per note
|
|
2026050278
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050282
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded down
|
|
2026050284
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Per Mortgage and passport.
|
|
2026050284
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050274
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050239
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
using cash out as reserves
|
|
2026050239
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lender did not use full PITIA for primary residence 1008 does not show HOI or HOA dues
|
|
2026050239
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender using lower PITIA for primary residence and property located at XXX
|
|
2026050239
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender using lower PITIA for primary residence and property located at XXX
|
|
2026050269
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050311
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050267
|
Initial Monthly P&I Or XXX Payment
|
XXX
|
XXX
|
Initial Monthly payment first XXX years $XXX, after Monthly payment $XXX
|
|
2026050267
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Based on the most recent acct balances from the accts listed on the XXX with XXX verified.
|
|
2026050267
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Housing Debt to Income XXX%, matches 1008
|
|
2026050267
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Qualifying Total DTI XXX%, Matches 1008. Slight variance in REO debt.
|
|
2026050267
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Borrower Residual Income $XXX, matches 1008
|
|
2026050105
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lender is not using the correct calculation for the XXX
|
|
2026050105
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050268
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Asset details has been updated as per the recent bank statement, recent bank statement shows more value than the 1003 hence the
discrepancy raised
|
|
2026050268
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Residual income is based on the verified income. There is a slight variance with the REO income.
|
|
2026050304
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender qualified Borrower using negative rent of $XXX per month, whereas the correct amount was $XXX per month.
|
|
2026050304
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender qualified Borrower using negative rent of $XXX per month, whereas the correct amount was $XXX per month.
|
|
2026050220
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Assets details were updated as per recent bank statement
|
|
2026050220
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True Data is the actual figures and not rounded.
|
|
2026050287
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lender used incorrect asset account balance.
|
|
2026050287
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Rounding. 1008 DTI is XXX%.
|
|
2026050287
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050083
|
Cash Disbursement Date
|
XXX
|
XXX
|
Final CD disbursement date reflects XXX
|
|
2026050083
|
Qualifying FICO
|
XXX
|
XXX
|
Per guidelines, utilize the primary wage earner's mid-FICO. B2 has the higher income.
|
|
2026050083
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Tape Data Confirms Reserves
|
|
2026050083
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Variance in income Lender $ XXX |UW: $XXX
|
|
2026050083
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Variance in income Lender $XXX |UW: $XXX
|
|
2026050083
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Tape date reflects the correct Residual income
|
|
2026050224
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
rounded
|
|
2026050224
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Residual income reflected on Tape Data is correct
|
|
2026050348
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Per note and Mortgage.
|
|
2026050348
|
Refinance Type
|
XXX
|
XXX
|
Borrower is getting cash back per Final CD
|
|
2026050348
|
Lock Term (Days)
|
XXX
|
XXX
|
Compliance entry
|
|
2026050283
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding
|
|
2026050209
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Per assets in the file. Using XXX at XXX%. Matches 1003
|
|
2026050209
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Borrowers REO 2nd home has a slightly higher liability and reported on the 1003
|
|
2026050100
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
per asset documents in file
|
|
2026050100
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
HOA payment on Primary Residence was not included.
|
|
2026050100
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
HOA payment was not included
|
|
2026050100
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
HOA payment was not included
|
|
2026050281
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
rounded up- matches 1008
|
|
2026050281
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
rounded down - removed cents
|
|
2026050068
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Unable to verify the earnest money cleared from the XXX. The file contains a XXX but there is no statement in the file that shows the
funds were withdrawn.
|
|
2026050068
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050307
|
Application Date
|
XXX
|
XXX
|
application updated
|
|
2026050307
|
Borrower 1 Self-Employment Flag
|
XXX
|
XXX
|
B1 not employed
|
|
2026050307
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
assets updated per documents provided
|
|
2026050307
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
residual income matches lender
|
|
2026050297
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Per assets in the file
|
|
2026050297
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender has a reduced liability amount that is unsupported by the documents in the file.
|
|
2026050297
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
UWs calculation matches lenders final 1008
|
|
2026050297
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender has a reduced liability amount that is unsupported by the documents in the file.
|
|
2026050236
|
Cash Disbursement Date
|
XXX
|
XXX
|
updated per final docs in file
|
|
2026050236
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Reserves are verified on the most recent acct balance verified from the acct listed on the F1003, earnest money is verified.
|
|
2026050236
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Minor variance with debt from the credit report and REO income.
|
|
2026050236
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
The credit report has some minor payment variance, using the actual REO payments. Income is verified.
|
|
2026050142
|
Index
|
XXX
|
XXX
|
Note
|
|
2026050142
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lenders 1008 does not match final 1003 - 1008 does not include XXX - only included XXX as it is active within the past XXX months
|
|
2026050142
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lenders 1008 does not match final 1003 - 1008 does not include XXX - only included XXX as it is active within the past XXX months
|
|
2026050142
|
Underwriting Exception in File?
|
XXX
|
XXX
|
Approved Exception provided post audit for delinquent housing history.
|
|
2026050142
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lenders 1008 does not match final 1003 - 1008 does not include XXX - only included XXX as it is active within the past XXX months
|
|
2026050197
|
Initial Monthly P&I Or XXX Payment
|
XXX
|
XXX
|
QM qualifying rate terms matches with the lender.
|
|
2026050197
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
QM qualifying terms residual income matches with the lender.
|
|
2026050305
|
Property Address
|
XXX
|
XXX
|
Address is the same one is in all XXX
|
|
2026050305
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Borrowers last name is XXX
|
|
2026050305
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Reserves XXX months
|
|
2026050305
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
DTI variance due to taxes as reflected on XXX. Lender used lower amount.
|
|
2026050305
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
DTI variance due to taxes as reflected on XXX. Lender used lower amount.
|
|
2026050305
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Residual income reflected in Tape data is correct.
|
|
2026050179
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
The 1008 shows Lender qualified the Borrower using All Other Monthly Payments of $XXX, whereas the Audit amount was $XXX.
|
|
2026050179
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
The 1008 shows Lender qualified the Borrower using All Other Monthly Payments of $XXX, whereas the Audit amount was $XXX.
|
|
2026050222
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lender reserves reflect as a whole number of XXX on final 1008. True Data field is correct.
|
|
2026050222
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Liabilities for lender XXX, UW calculation $XXX
|
|
2026050222
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Residual income XXX
|
|
2026050176
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Per asset docs in the file. Lender calculation includes $XXX in cash, that can not be sourced.
|
|
2026050176
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050201
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Per subject Note and Driver's License.
|
|
2026050201
|
Borrower 1 Self-Employment Flag
|
XXX
|
XXX
|
Borrower is self-employed, per Final Loan Application and CPA Letter.
|
|
2026050201
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Borrower had $XXX verified assets remaining after cash to close, or XXX months reserves.
|
|
2026050201
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050163
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
See Credit
|
|
2026050163
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
See Credit
|
|
2026050163
|
Borrower 1 Origination XXX
|
XXX
|
XXX
|
See Credit
|
|
2026050163
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
See credit Liabilities
|
|
2026050163
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Guidelines require min $XXX Residual
|
|
2026050124
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
$XXX
|
|
2026050188
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding
|
|
2026050244
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050266
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Proceeds from sale of previous primary funds are slightly less than estimated on the 1003
|
|
2026050266
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender rounded up B2 income.
|
|
2026050174
|
Initial Monthly P&I Or XXX Payment
|
XXX
|
XXX
|
Initial P&I
|
|
2026050174
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
XXX is using initial terms instead of Qualifying terms
|
|
2026050174
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
rounded down - cents removed
|
|
2026050258
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
per calculated income
|
|
2026050204
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050309
|
Property Address
|
XXX
|
XXX
|
Address verified per note
|
|
2026050309
|
Qualifying LTV
|
XXX
|
XXX
|
exception in the file for max XXX LTV
|
|
2026050309
|
Qualifying CLTV
|
XXX
|
XXX
|
exception in the file for max XXX LTV
|
|
2026050309
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
reserves verified
|
|
2026050309
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
income verified
|
|
2026050280
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Figures are accurate based on documents in the file and match the lenders 1008 and CRSE
|
|
2026050280
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
True Data is using the actual figures and not rounded.
|
|
2026050280
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
True Data is using the actual figures and not rounded.
|
|
2026050280
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Figures are accurate based on documents in the file and match the lenders 1008 and CRSE
|
|
2026050234
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
XXX is qualified at the note rate.
|
|
2026050234
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
XXX is qualified at the note rate.
|
|
2026050234
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
XXX is qualified at the note rate.
|
|
2026050234
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
XXX is qualified at the note rate.
|
|
2026050228
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
True data is correct based on the available reserves after down payment and closing cost is $XXX/ PITIA ($XXX)=XXX. Per the Final 1003
total assets $XXX;nhowever, per the bank statement in the file total assets are $XXX- closing cost $XXX=XXX
|
|
2026050228
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
True data is correct. Per the Final 1003 XXX was inputted monthly debt as $XXX; however, per the Final credit report dated XXX XXX the
monthly debt is $XXX
|
|
2026050228
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True data is correct the Monthly quality income $XXX- (minus) the total housing (PITIA)$XXX -(minus)total monthly debt of $XXX= $XXX
|
|
2026050306
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Audit consumer debt $XXX per month less than amount Lender used.
|
|
2026050306
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Audit consumer debt $XXX per month less than amount Lender used.
|
|
2026050149
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Trued data is correct per the Final Loan application borrower last name is XXX.
|
|
2026050149
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
True data is correct total cash to borrower at closing per the Final CD dated XXX $XXX/(PITIA) $XXX%
|
|
2026050149
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
|
|
2026050149
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
True data is correct Monthly income of $XXX(PITIA) $XXX and other monthly debt -$XXX=$XXX.
|
|
2026050217
|
Application Date
|
XXX
|
XXX
|
Compliance.
|
|
2026050217
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded data
|
|
2026050192
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Matches final 1003 - Lender using higher assets than final 1008
|
|
2026050192
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender using lower property taxes than what title and tax cert shows, and XXX was removed from the final 1008
|
|
2026050192
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lender using lower property taxes than what title and tax cert shows, and XXX was removed from the final 1008
|
|
2026050192
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender using lower property taxes than what title and tax cert shows, and XXX was removed from the final 1008
|
|
2026050285
|
Borrower 1 Last Name
|
XXX
|
XXX
|
Note Confirms Last Name of XXX
|
|
2026050285
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Assets are verified using asset documents in File
|
|
2026050285
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Discrepancy in Credit Liabilities & XXX doc is Missing.
|
|
2026050285
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Residual income is based on the verified incmoe minus the verified debt in the file.
|
|
2026050261
|
Qualifying FICO
|
XXX
|
XXX
|
Using Borrowers low mid score and primary
|
|
2026050261
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Updated as Per Income Documents. 1003 Final Missing. Liabilities are less than reported on the credit report.
|
|
2026050261
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Liabilities are less than reported on the credit report.
|
|
2026050251
|
Qualifying CLTV
|
XXX
|
XXX
|
Using most recent statement in file for second mortgage
|
|
2026050251
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Missing final CD, using cash from prelim CD in file
|
|
2026050251
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender using a higher qualifying income
|
|
2026050251
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Lender using a higher qualifying income
|
|
2026050251
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Lender using a higher qualifying icnome
|
|
2026050276
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
XXX- $XXX listed in 1008 - is a concurrent loan #XXX Initial PITIA (XXX). Already calculated REO for this property and hit DTI. Due to
not including XXX Value DTI reduced by XXX%.
|
|
2026050276
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
XXX - $XXX listed in 1008 - is a concurrent loan #XXX Initial PITIA (XXX). Already calculated REO for this property and hit DTI. Due to
not including XXX Value DTI reduced by XXX%.
|
|
2026050276
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Updated as per income.
|
|
2026050279
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Qualifying Total Debt Income Ratio Due to all other Monthly payment Amount, Auditor Updated as per Credit Report
|
|
2026050279
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Updated as per Guidelines
|
|
2026050300
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Rounding. 1008 qualifying DTI is XXX%.
|
|
2026050300
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050240
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Lender did not use most recent account balance for XXX.
|
|
2026050240
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050277
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounding.
|
|
2026050312
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Audit reserves is based on $XXX verified assets after closing.
|
|
2026050312
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Audit subject PITI is $XXX per month greater than Lender's amount. In addition, Audit primary housing payment is $XXX per month greater
than Lender's amount and Audit consumer debt is $XXX per month greater than Lender's amount.
|
|
2026050312
|
Qualifying Housing Debt Income Ratio
|
XXX
|
XXX
|
Audit primary housing payment is $XXX per month greater than Lender's amount.
|
|
2026050312
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Audit subject PITI is $XXX per month greater than Lender's amount. In addition, Audit primary housing payment is $XXX per month greater
than Lender's amount and Audit consumer debt is $XXX per month greater than Lender's amount.
|
|
2026050177
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Per asset statements available in the file.
|
|
2026050177
|
Qualifying All Borrower Residual Income
|
XXX
|
XXX
|
Rounded figure
|
|
2026050292
|
Qualifying Total Reserves Number of Months
|
XXX
|
XXX
|
Calculated from cash received at close
|
|
2026050001
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050002
|
Months Reserves
|
XXX
|
XXX
|
Utilizing XXX% of the funds in XXX
|
|
2026050008
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050008
|
Months Reserves
|
XXX
|
XXX
|
XXX #XXX reflects $XXX and utilizing $XXX proceeds from secured loan
|
|
2026050009
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050009
|
Months Reserves
|
XXX
|
XXX
|
XXX #XXX reflects $XXX and utilizing $XXX proceeds from secured loan
|
|
2026050012
|
Months Reserves
|
XXX
|
XXX
|
Cash out from CD.
|
|
2026050013
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050014
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050015
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050017
|
Maturity Date
|
XXX
|
XXX
|
|
|
2026050021
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050023
|
XXX
|
XXX
|
XXX
|
.XXX off
|
|
2026050025
|
First Time Homebuyer
|
XXX
|
XXX
|
|
|
2026050032
|
First Time Homebuyer
|
XXX
|
XXX
|
|
|
2026050043
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050044
|
Property Type
|
XXX
|
XXX
|
|
|
2026050057
|
Maturity Date
|
XXX
|
XXX
|
|
|
2026050057
|
Property Type
|
XXX
|
XXX
|
|
|
2026050057
|
Gross Rent
|
XXX
|
XXX
|
1007 reflects $XXX
|
|
2026050059
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050064
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050064
|
XXX
|
XXX
|
XXX
|
Hazard insurance in file reflects $XXX
|
|
2026050064
|
XXX
|
XXX
|
XXX
|
.XXX off
|
|
2026050067
|
XXX
|
XXX
|
XXX
|
Tax certificate in file reflects $XXX annual taxes
|
|
2026050076
|
First Pay Date
|
XXX
|
XXX
|
|
|
2026050076
|
Maturity Date
|
XXX
|
XXX
|
|
|
2026050077
|
First Time Homebuyer
|
XXX
|
XXX
|
|
|
2026050086
|
Gross Rent
|
XXX
|
XXX
|
1007 reflects $XXX market and acutal rent.
|
|
2026050088
|
XXX
|
XXX
|
XXX
|
Tax certificate in file reflects $XXX
|
|
2026050092
|
First Time Homebuyer
|
XXX
|
XXX
|
|
|
2026050095
|
XXX
|
XXX
|
XXX
|
.XXX off
|
|
2026050095
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050102
|
Qualifying FICO
|
XXX
|
XXX
|
FICO XXX per credit report in file dated XXX.
|
|
2026050113
|
Disbursement Date
|
XXX
|
XXX
|
|
|
2026050115
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050118
|
XXX
|
XXX
|
XXX
|
.XXX off
|
|
2026050128
|
Borrower Last Name
|
XXX
|
XXX
|
|
|
2026050132
|
Months Reserves
|
XXX
|
XXX
|
Cash out from CD.
|
|
2026050133
|
Months Reserves
|
XXX
|
XXX
|
Utilizing cash to borrower from a previous loan.
|
|
2026050135
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050135
|
Months Reserves
|
XXX
|
XXX
|
|
|
2026050153
|
XXX
|
XXX
|
XXX
|
Adding XXX insurance.
|
|
2026050154
|
Note Date
|
XXX
|
XXX
|
|
|
2026050154
|
First Pay Date
|
XXX
|
XXX
|
|
|
2026050154
|
Maturity Date
|
XXX
|
XXX
|
|
|
2026050154
|
XXX
|
XXX
|
XXX
|
Adding property and city taxes.
|
|
2026050154
|
Months Reserves
|
XXX
|
XXX
|
XXX reflects #XXX reflects $XXX, #XXX reflects $XXX, #XXX reflects $XXX, XXX #XXX reflects $XXX cash and fixed income and utilizing
XXX% of equities.
|
|
2026050155
|
XXX
|
XXX
|
XXX
|
Tax certificate in file reflects $XXX annual taxes.
|
|
2026050164
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050167
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050167
|
Months Reserves
|
XXX
|
XXX
|
XXX reflects $XXX and #XXX reflects $XXX. Unable to verify 1031 Exchange funds.
|
|
2026050185
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050185
|
Months Reserves
|
XXX
|
XXX
|
Cash out from CD.
|
|
2026050186
|
Months Reserves
|
XXX
|
XXX
|
XXX reflects #XXX. Utilizing 1031 Exchange funds.
|
|
2026050189
|
Gross Rent
|
XXX
|
XXX
|
|
|
2026050190
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050198
|
Cash Out Amount
|
XXX
|
XXX
|
CD in file dated XXX reflects $XXX cash to borrower.
|
|
2026050203
|
Months Reserves
|
XXX
|
XXX
|
XXX reflects $XXX and XXX reflects $XXX
|
|
2026050213
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050213
|
Months Reserves
|
XXX
|
XXX
|
|
|
2026050218
|
XXX
|
XXX
|
XXX
|
.XXX off
|
|
2026050218
|
Months Reserves
|
XXX
|
XXX
|
|
|
2026050221
|
Months Reserves
|
XXX
|
XXX
|
XXX reflects XXX
|
|
2026050223
|
Disbursement Date
|
XXX
|
XXX
|
|
|
2026050223
|
Cash Out Amount
|
XXX
|
XXX
|
CD dated XXX reflects $XXX
|
|
2026050230
|
XXX
|
XXX
|
XXX
|
.XXX off
|
|
2026050230
|
LTV
|
XXX
|
XXX
|
$XXX
|
|
2026050231
|
Note Date
|
XXX
|
XXX
|
|
|
2026050231
|
Disbursement Date
|
XXX
|
XXX
|
|
|
2026050235
|
XXX
|
XXX
|
XXX
|
Tax certificate in file reflects $XXX annual taxes.
|
|
2026050235
|
Months Reserves
|
XXX
|
XXX
|
Utilizing XXX% of the retirement funds.
|
|
2026050238
|
XXX
|
XXX
|
XXX
|
.XXX off
|
|
2026050301
|
XXX
|
XXX
|
XXX
|
Tax certification in file reflects $XXX.
|
|
2026050245
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050255
|
Property Type
|
XXX
|
XXX
|
|
|
2026050260
|
Disbursement Date
|
XXX
|
XXX
|
|
|
2026050260
|
Cash Out Amount
|
XXX
|
XXX
|
CD dated XXX reflects $XXX
|
|
2026050271
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050272
|
XXX
|
XXX
|
XXX
|
XXX in file reflects $XXX annual premium.
|
|
2026050288
|
Credit Report Date
|
XXX
|
XXX
|
|
|
2026050289
|
XXX
|
XXX
|
XXX
|
.XXX off
|
|
2026050290
|
Cash Out Amount
|
XXX
|
XXX
|
|
|
2026050290
|
Months Reserves
|
XXX
|
XXX
|
|
|
2026050291
|
Loan Purpose
|
XXX
|
XXX
|
CD dated XXX reflects $XXX cash from borrower.
|
|
2026050035
|
XXX
|
XXX
|
XXX
|
XXX in file reflects $XXX
|
|
2026050035
|
Months Reserves
|
XXX
|
XXX
|
Cash out from CD.
|