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 2192310 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 17.32 23.00 Per assets
XXXX 2192310 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 3184.22 2302.23 Includes HOA 
XXXX 2192317 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per HUD
XXXX 2192317 XXXX XXXX Qualifying FICO creditLiabilitiesPage 730 765 Per updated credit report 
XXXX 2192314 XXXX XXXX Borrower 1 SSN the1003Page XXXX XXXX Per 1003 & CBR
XXXX 2192314 XXXX XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX Per appraisal
XXXX 2192314 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 69.48 56.00 Review included cash out
XXXX 2192314 XXXX XXXX Calculated DSCR diligenceFinalLookPage 0.823 1.02 Audit used 80% STR/ PITIA.  Lender Calculation not provided
XXXX 2186742 XXXX XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX 2186742 XXXX XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage XXXX XXXX Per Final Settlement Statement
XXXX 2186742 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 15506.91 11800.91 Lender did not includeHOA Dues 
XXXX 2192318 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 48.95 45.00 Per cash out
XXXX 2192318 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.229 1.19 Lender calc not provided
XXXX 2182104 XXXX XXXX Loan Type the1003Page DSCR Conventional Per approval
XXXX 2182104 XXXX XXXX Application Date complianceDetailPage XXXX XXXX PER CREDIT REPORT
XXXX 2182104 XXXX XXXX Amount of Other Lien titlePage 0 XXXX No additional liens
XXXX 2182104 XXXX XXXX Number of Mortgaged Properties creditLiabilitiesPage 2 1.0 Primary & subject are encumbered
XXXX 2192316 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final Settlement Statement 
XXXX 2192316 XXXX XXXX Calculated DSCR diligenceFinalLookPage 0.791 1.07 Lender used Market Rents from a lease on the ADU (No lease for main house) 
XXXX 2183811 XXXX XXXX Date Last Rate Was Set tridLePageInitial XXXX XXXX Per Loan Detail Report/Lock Agreement
XXXX 2183811 XXXX XXXX Final Reviewed QM Status diligenceFinalLookPage QM: Average Prime Offer Rate (APOR) ATR/QM: Exempt Primary. 
XXXX 2183811 XXXX XXXX Loan Program businessPurposeApprovalandGuidelinePage XXXX XXXX Confirmed w/lender to use Select