MFRA NQM DEPOSITOR, LLC ABS-15G

Exhibit 99.02 - Schedule 5

 

  

Loan Number ALT Loan Number Field Name Verified Value Bid Tape Value Comment
89338 XXXXX Loan Program XXX XXX Per loan approval
89338 XXXXX Borrower 1 Total Years Employment/Self-Employment Verified XXX XXX Per loan approval, XXX months verified
89338 XXXXX Originator Doc Type 12 Month Bank Statement ALT DOC Per loan approval
89338 XXXXX Cash Disbursement Date XX/XX/XXXX XX/XX/XXXX Per final CD
89338 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per current asset Statements
89338 XXXXX Total Qualified Assets Available XXX XXX Per asset Statements minus reserves
89338 XXXXX Qualifying Total Monthly Liabilities XXX XXX Per liabilities from credit report, rounding
89338 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per desk review
89356 XXXXX Qualifying Monthly P&I Amount XXX XXX XXX determined by using the XXX year fixed fully amortized payment for Step Payment Loans.
89356 XXXXX Loan Program XXX  Alt Doc Express Guidelines Non Agency QM XXX confirmed with Lender Approval.
89356 XXXXX Originator Doc Type 1YR Business P&L ALT DOC Originator Doc Type confirmed with XXX Express Guidelines.
89356 XXXXX Total Qualified Assets Available XXX XXX XXX confirmed with bank Statements.
89356 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX determined by Total Assets, less Cash to Close, divided by Total PITIA.
89356 XXXXX Qualifying Total Monthly Liabilities XXX XXX XXX determined by Total PITIA and All Other Monthly Payments.
89356 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX XXX confirmed with Reggora Appraisal Delivery Status confirmation.
89349 XXXXX Property Address XXX XXX Per Lega Description
89349 XXXXX Loan Program XXX XXX Per Loan Approval
89349 XXXXX Originator Doc Type Debt Service Coverage Ratio Other Per Loan Approval
89349 XXXXX Total Qualified Assets Available XXX XXX Per asset documentation
89349 XXXXX Total Liquid Assets Available For Close XXX XXX Per asset documentation
89349 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per asset documentation and subject housing expense
89349 XXXXX Qualifying Total Monthly Liabilities XXX XXX Per liability documentation
89346 XXXXX Borrower 1 Citizen XXX XXX Borrower is a XXX
89346 XXXXX Loan Program XXX XXX XXX
89346 XXXXX Originator Doc Type Debt Service Coverage Ratio Other DSCR
89346 XXXXX Total Qualified Assets Available XXX XXX Per asset Statement in file
89346 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX months reserves are required per XXX Guidelines
89346 XXXXX Qualifying Total Monthly Liabilities XXX XXX Per credit report. Only mortgage debt
89348 XXXXX Loan Program XXX XXX Mapping
89348 XXXXX Originator Doc Type Debt Service Coverage Ratio Other DSCR per lender loan approval
89348 XXXXX Total Qualified Assets Available XXX XXX Taken from assets provided
89348 XXXXX Total Liquid Assets Available For Close XXX XXX Taken from assets provided
89348 XXXXX Qualifying Total Reserves Number of Months XXX XXX Taken from assets provided
89348 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Taken from appraisal receipt date
89345 XXXXX Loan Program XXX XXX Per loan approval
89345 XXXXX Originator Doc Type XXX XXX Per loan approval
89345 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per asset documentation and subject housing expense
89345 XXXXX Total Qualified Assets Available XXX XXX Per asset documentation
89345 XXXXX Qualifying Total Monthly Liabilities XXX XXX Per liability documentation
89345 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per Appraisal Receipt document
89340 XXXXX Loan Program XXX XXX XXX
89340 XXXXX Originator Doc Type Debt Service Coverage Ratio Other DSCR
89340 XXXXX Total Qualified Assets Available XXX XXX Per asset Statement in file
89340 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX months reserves are required per XXX Guidelines
89340 XXXXX Qualifying Total Monthly Liabilities XXX XXX Per credit report
89340 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per appraisal receipt in file
89342 XXXXX Loan Program XXX XXX Per Loan Approval
89342 XXXXX Originator Doc Type XXX XXX Per Loan Approval
89342 XXXXX Cash out Include Debt Paid at Close XXX XXX Per Post Close CD
89342 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per cash out and subject housing expense
89342 XXXXX Total Liquid Assets Available For Close XXX XXX Asset documentation not required
89342 XXXXX Total Qualified Assets Available XXX XXX Asset documentation not required
89342 XXXXX Qualifying Total Monthly Liabilities XXX XXX Per liability documentation
89342 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per Appraisal Receipt document
89352 XXXXX Borrower 1 Citizen XXX XXX XXXhip verified.
89352 XXXXX Loan Program XXX XXX XXX selected from drop down.
89352 XXXXX Originator Doc Type Debt Service Coverage Ratio Other Doc type selected from drop down.
89352 XXXXX Reviewed Appraised Property Value $XXX $XXX Appraisal value verified.
89352 XXXXX Total Qualified Assets Available XXX XXX Assets verified.
89352 XXXXX Qualifying Total Reserves Number of Months XXX XXX Reserves verified.
89352 XXXXX Total Liquid Assets Available For Close XXX XXX Liquid assets verified via cash-out reserves.
89352 XXXXX Qualifying Total Monthly Liabilities XXX XXX DSCR loan product.
89352 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Appraisal receipt date verified.
89358 XXXXX Loan Program XXX XXX XXX  XXX Prime
89358 XXXXX All Borrower Total Income XXX XXX Per Audit Income Calculation
89358 XXXXX Originator Doc Type 1YR Full Doc ALT DOC XXX
89358 XXXXX Qualifying FICO XXX XXX Per XXX
89358 XXXXX Total Qualified Assets Available XXX XXX Per asset Statement in file
89358 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX months reserves are required per XXX Guidelines
89358 XXXXX Qualifying Total Monthly Liabilities XXX XXX Rounding
89358 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per appraisal receipt in file
89354 XXXXX Loan Program XXX XXX Per loan approval
89354 XXXXX Originator Doc Type 12 Month Bank Statement ALT DOC Per loan approval
89354 XXXXX Total Qualified Assets Available XXX XXX Per asset Statements minus reserves
89354 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per asset Statements minus reserves
89354 XXXXX Qualifying Total Monthly Liabilities XXX XXX Rounding
89354 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per desk review
89357 XXXXX Loan Program XXX XXX XXX  XXX Prime
89357 XXXXX Originator Doc Type XXX XXX XXX Month Bank Statement
89357 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX months reserves are required per XXX Guidelines
89357 XXXXX Total Qualified Assets Available XXX XXX Per asset Statements in file
89357 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per appraisal receipt in file
89344 XXXXX Loan Program XXX  Investor Non Agency QM Per Loan Approval
89344 XXXXX Originator Doc Type XXX XXX Per Loan Approval
89344 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per cash out and subject housing expense
89344 XXXXX Total Qualified Assets Available XXX XXX Asset documentation not required
89344 XXXXX Total Liquid Assets Available For Close XXX XXX Asset documentation not required
89344 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per Appraisal Receipt document
89339 XXXXX Loan Program XXX XXX XXX  XXX Prime
89339 XXXXX Originator Doc Type XXX XXX XXX Month Bank Statement
89339 XXXXX Total Qualified Assets Available XXX XXX Per asset Statement in file
89339 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX months reserves are required per XXX Guidelines
89339 XXXXX Qualifying Total Monthly Liabilities XXX XXX Rounding
89339 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per appraisal receipt in file
89351 XXXXX Loan Program XXX XXX Drop down box updated
89351 XXXXX Originator Doc Type XXX XXX Drop down box updated
89351 XXXXX Qualifying FICO XXX XXX Lowest mid score
89351 XXXXX Total Qualified Assets Available XXX XXX Updated assets
89351 XXXXX Qualifying Total Reserves Number of Months XXX XXX Updated assets
89351 XXXXX Qualifying Total Monthly Liabilities XXX XXX Liabilities excluding subj loss and REOs
89351 XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Appraisal receipt date updated
89434 XXXXX Monthly Total Escrow Payment $XXX $XXX tax and insurance not HOA
89527 XXXXX Monthly Total Escrow Payment $XXX $XXX Not including HOA
89402 XXXXX Monthly Total Escrow Payment $XXX $XXX per CD
89530 XXXXX Monthly Total Escrow Payment $XXX $XXX The PITI is XXX and the PITIA is $ XXX. The HOA is not escrowed.
89378 XXXXX Monthly Total Escrow Payment $XXX $XXX The full Taxes/Ins/flood ins/HOA is $XXX. The Tax and HOI are $XXX. This does not included the HOA and Flood ins that are not escrowed.
89465 XXXXX Qualifying FICO XXX XXX XXX is not present on either of the borrowers credit report.
89465 XXXXX Originator DSCR XXX XXX Variance in the DSCR ratio is the hazard monthly payment. The lender has a payment of XXX and the audit has XXX per the policy in the file.
89476 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final HUD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA.
89400 XXXXX Monthly Total Escrow Payment $XXX $XXX The PITIA is XXX the HOA is not included
89523 XXXXX Monthly Total Escrow Payment $XXX $XXX HOA not included
89403 XXXXX Originator DSCR XXX XXX IO=$XXX, Tax = XXX HI=XXX (XXX policies), Rent XXX
89548 XXXXX Monthly Total Escrow Payment $XXX $XXX Per final CD in file XXX
89536 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final CD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA.
89433 XXXXX Monthly Total Escrow Payment $XXX $XXX HOA not included
89563 XXXXX Monthly Total Escrow Payment $XXX $XXX HOA not included
89563 XXXXX Qualifying CLTV XXX XXX Lender exception approval provided - Ok per XXX to allow XXX% seller concession ($XXX) and not to hit the purchase price for it, comp factors, XXX FICO, no negative credit reporting, full doc with XXX% DTI, significant reserves after closing, subject in C3 condition with some recent updating..
89563 XXXXX Qualifying LTV XXX XXX Lender exception approval provided - Ok per XXX to allow XXX% seller concession ($XXX) and not to hit the purchase price for it, comp factors, XXX FICO, no negative credit reporting, full doc with XXX% DTI, significant reserves after closing, subject in C3 condition with some recent updating..
89554 XXXXX Monthly Total Escrow Payment $XXX $XXX per CD
89409 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final HUD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA.
90639 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX See initial 1003
89411 XXXXX Originator DSCR XXX XXX ULAW reflects DSCR XXX
89418 XXXXX Monthly Total Escrow Payment $XXX $XXX not including HOA
89555 XXXXX Monthly Total Escrow Payment $XXX $XXX Not including HOA XXX
89386 XXXXX Monthly Total Escrow Payment $XXX $XXX Not including HOA XXX
89520 XXXXX Monthly Total Escrow Payment $XXX $XXX Not including HOA
89501 XXXXX Monthly Total Escrow Payment $XXX $XXX Escrow amount is XXX
89501 XXXXX Originator DSCR XXX XXX Variance is with in the hazard policy. The lender used XXX monthly payment and the file have supporting documentation for XXX
89493 XXXXX Monthly Total Escrow Payment $XXX $XXX no Escrows
89557 XXXXX Monthly Total Escrow Payment $XXX $XXX not including HOA
90638 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified per E Consent
90638 XXXXX Property Type Two to Four Unit Single Family Attached Verified per Appraisal
90650 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Initial loan application is dated XX/XX/XXXX
89567 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final CD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA.
89517 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final HUD, escrow is waived.
89516 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final HUD, escrow is waived.
89574 XXXXX Monthly Total Escrow Payment $XXX $XXX Per tax and HOI
89511 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final CD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA.
89513 XXXXX Monthly Total Escrow Payment $XXX $XXX Monthly Escrow payment updated as per IEAD. Not including HOA
89573 XXXXX Monthly Total Escrow Payment $XXX $XXX Per taxes and HOI
89569 XXXXX Monthly Total Escrow Payment $XXX $XXX Taxes and Insurance is XXX as per CD
89492 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final HUD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA.
89515 XXXXX Monthly Total Escrow Payment $XXX $XXX updated to match closing details
90640 XXXXX Property Type Two to Four Unit Single Family Detached Subject is a two unit detached property per appraisal report
90649 XXXXX Note Date XX/XX/XXXX XX/XX/XXXX XXX is XX/XX/XXXX per Note
90490 XXXXX Monthly Total Escrow Payment $XXX $XXX Per HOI and tax docs
90473 XXXXX Monthly Total Escrow Payment $XXX $XXX Per escrow waiver
90475 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final CD, escrow is waived.
90654 XXXXX Qualifying FICO XXX XXX Per XXX
90505 XXXXX Monthly Total Escrow Payment $XXX $XXX Verified, the Monthly Hazard Insurance Premium in the amount of $XXX. and the Property Taxes are XXX which totals XXX
90488 XXXXX Monthly Total Escrow Payment $XXX $XXX Verified, Tape Data is correct
90486 XXXXX Monthly Total Escrow Payment $XXX $XXX per CD
90491 XXXXX Monthly Total Escrow Payment $XXX $XXX per CD
90462 XXXXX Monthly Total Escrow Payment $XXX $XXX Per tax and HOI docs
90464 XXXXX Monthly Total Escrow Payment $XXX $XXX HOA not included in escrow
90464 XXXXX Originator DSCR XXX XXX ULAW in the file reflects DSCR = XXX
90447 XXXXX Monthly Total Escrow Payment $XXX $XXX Per tax and HOI docs
90469 XXXXX Monthly Total Escrow Payment $XXX $XXX HOA not included in escrows
90449 XXXXX Monthly Total Escrow Payment $XXX $XXX Per Final HUD, estimated escrow is $XXX. Tape data is estimated taxes, insurance and assessment including HOA.
90449 XXXXX Originator DSCR XXX XXX Lender used higher estimate for HO-6. Auditor used policy and supported by Final HUD escrows. This caused DSCR ratio to increase.
90445 XXXXX Monthly Total Escrow Payment $XXX $XXX HOA fee XXX not included in escrows
89745 XXXXX DSCR XXX XXX Gross Monthly Rent is XXX based on the leases uploaded. $XXX/ XXX PITIA = XX/XX/XXXX DSCR
89790 XXXXX Property Type 12- 1 Family Attached DTCH Appraisal States subject property has one side attached.
89767 XXXXX DSCR XXX XXX XXX Gross Monthly Rent / XXX PITIA = XX/XX/XXXX DSCR
89786 XXXXX DSCR XXX XXX XXX Gross Monthly Rent / XXX PITIA = XX/XX/XXXX DSCR
89828 XXXXX DSCR XXX XXX XXX Gross Monthly Rent / XXX PITIA =XXX DSCR
89770 XXXXX DSCR XXX XXX Qualifying rent is XXX according to XXX doc; XXX qualifying rent / XXX PITIA = XX/XX/XXXX DSCR
89802 XXXXX Property Type 3- Condo (4 or fewer stories) Non-Warrantable Condo Same, agreed
89804 XXXXX DSCR XXX XXX  
89805 XXXXX DSCR XXX XXX Same, agreed
89813 XXXXX DSCR XXX XXX Qualifying rent is XXX based on the lease agreements and market rent on file. $XXX/$XXX PITIA = XX/XX/XXXX DSCR
89814 XXXXX DSCR XXX XXX Hazard Insurance Declaration Page shows HOI annual premium as XXX making PITIA $XXX. XXX Gross Rent / XXX PITIA = XX/XX/XXXX DSCR