EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.10 - Schedule 7

 

ALT Loan ID Loan ID Seller Loan ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
2184477 XXXXX   XXXXX XXXXX Loan Type the1003Page DSCR Conventional Audit value pulled from documents located in loan file
2184477 XXXXX   XXXXX XXXXX Originator QM Status diligenceFinalLookPage ATR/QM: CDFI Lender Exempt ATR/QM: Exempt Audit value based on lender on Note - lender is CDFI Exempt
2173097 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Single Family Detached PUD Audit Value Pulled from Appraisal
2175211 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 44.85 44.9 Audit DTI difference is due to liabilities based on documents in loan file.
2179996 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 43.54 44.18 Audit liabilities were based on the most recent credit report on the loan file dated XX/XX/XXXX.
2179992 XXXXX   XXXXX XXXXX Property Type propertyValuationPage PUD Single Family Detached Audit Value Pulled From Appraisal.
2179997 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 15.46 17.35 Audit reflects difference in qualifying P & I than the approval and Audit liabilities were based on documents in loan file
2180003 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 27.29 26.76 DTI difference is less than 1% and within lender tolerance
2182313 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.
2182321 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 9.78 9.79 Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX.
2182314 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 26.71 28.98 Audit DTI difference is due to liabilities based on documents in loan file.

2182316 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 40.35 40.43 Audit reflects difference in HOA Dues per documents in the loan file.
2186185 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled from Appraisal.
2186177 XXXXX   XXXXX XXXXX Property Type propertyValuationPage PUD Single Family Detached Audit value pulled From Appraisal
2189433 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.
2189434 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.
2189435 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.
2189607 XXXXX   XXXXX XXXXX Property Type propertyValuationPage PUD Attached Audit Value Pulled From Appraisal.
2189609 XXXXX   XXXXX XXXXX Property Type propertyValuationPage PUD Single Family Detached Audit Value Pulled From Appraisal.
2189609 XXXXX   XXXXX XXXXX Qualifying FICO creditLiabilitiesPage 721 736 Audit value based on lender qualifying requirements.
2189609 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 45.2 45.93 Audit reflects difference in subject property taxes per documents in the loan file.
2189602 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 32.84 30.58 1008 DTI 32.84% does not match with tape data 30.58%., Tape data is incorrect. 
2189604 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 1.16 1.15 Audit liabilities were based on documents in the loan file.

2189606 XXXXX   XXXXX XXXXX Property Type propertyValuationPage PUD Single Family Detached Audit Value Pulled from Appraisal
2194143 XXXXX   XXXXX XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 47.09 40.2 The DTI varies because the subject property's rental income was captured as a positive value instead of a negative variance
2194148 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled from appraisal.
2194152 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled from Appraisal
2194154 XXXXX   XXXXX XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Audit Value Pulled From Appraisal.