MFRA NQM DEPOSITOR, LLC ABS-15G

Exhibit 99.06 - Schedule 7

 

Loan ID Redacted ID Seller Loan ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
xxx 87759     xxx Qualifying FICO creditLiabilitiesPage xxx xxx The Tape reflects a credit score of xxx; however, the latest credit report shows a qualifying FICO score of xxx. Accordingly, Lauramac has been updated based on the latest credit report.
xxx 87420     xxx CLTV propertyValuationPage xxx xxx LM calculates the CLTV based on the appraised value, resulting in a CLTV of xxx. However, the tape and final documents calculate the CLTV based on the sales price, resulting in a CLTV of xxx.
xxx 87822     xxx Occupancy the1003Page Second Home OwnerOccupied The loan file is a Second Home Refinance; however, the Tape reflects the occupancy as “Owner Occupied.” Since “Second Home” and “Owner Occupied” represent different occupancy types.
xxx 87822     xxx Verified Doc Type employmentIncomePage 12 Month Bank Statement Business Bank Stmt: 24 Mos The loan file was provided with 12 months of bank statements, and the qualifying income was calculated based on the 12-month statements only. However, the Tape reflects “Business Bank Statement – 24 Months.”
xxx 88185     xxx Qualifying FICO creditLiabilitiesPage xxx xxx In the tape, the FICO score is reflected as xxx. However, per the guidelines, when borrowers are 50/50 owners of a business and the income is split equally, the higher representative credit score should be used for qualifying. Accordingly, the qualifying FICO score was updated to xxx
xxx 88680     xxx CLTV propertyValuationPage xxx xxx LM calculates the CLTV based on the appraised value, resulting in a CLTV of xxx. However, the tape and final documents calculate the CLTV based on the sales price, resulting in a CLTV of xxx.
xxx 88615     xxx Verified Doc Type employmentIncomePage 1YR Business P&L P&L: 2 Year The borrower is qualifying based on a 1-year Business P&L, which is updated in LM. However, the Tape reflects “P&L – 2 Year.” Since the documentation period differs between LM and the Tape.
xxx 88615     xxx Qualifying FICO creditLiabilitiesPage xxx xxx Qualifying FICO as per the document is xxx. However Tape Reflects xxx.
xxx 88756     xxx CLTV propertyValuationPage xxx xxx LM calculates the CLTV based on the appraised value, resulting in a CLTV of xxx. However, the tape and final documents calculate the CLTV based on the sales price, resulting in a CLTV of xxx.
xxx 88847     xxx Borrower 1 Last Name notePage xxx xxx The borrower’s last name is reflected as “xxx” in the Tape, while the Note and DOT reflect “xxx”
xxx 88847     xxx Qualifying FICO creditLiabilitiesPage xxx xxx In LM, the borrower’s qualifying FICO is considered based on the Low-Mid Score, as required by the guidelines. However, the Tape reflects the borrower’s lowest FICO score. Since the methodology used to determine the qualifying FICO differs between LM and the Tape, both are not the same.
xxx 89207     xxx CLTV propertyValuationPage xxx xxx LM calculates the CLTV based on the appraised value, resulting in a CLTV of xxx. However, the tape and final documents calculate the CLTV based on the sales price, resulting in a CLTV of xxx.
xxx 89137     xxx Property Type propertyValuationPage Single Family Attached Detached The Appraisal reflects the property type as “Single Family Attached,” while the Tape reflects “Detached.” Since these are different property types, the information is inconsistent and may cause a discrepancy.
xxx 89130     xxx Property Type propertyValuationPage Townhouse PUD The Appraisal Document reflects the property type as “Townhouse,” while the Tape reflects “PUD.” Since these represent different property classifications, the information is inconsistent and may cause a discrepancy.
xxx 89132     xxx Property Type propertyValuationPage Townhouse PUD The Appraisal Document reflects the property type as “Townhouse,” while the Tape reflects “PUD.” Since these represent different property classifications, the information is inconsistent and may cause a discrepancy
xxx 89133     xxx Property Type propertyValuationPage Townhouse PUD The Appraisal Document reflects the property type as “Townhouse,” while the Tape reflects “PUD.” Since these represent different property classifications, the information is inconsistent and may cause a discrepancy.
xxx 89258     xxx Primary Appraised Property Value propertyValuationPage xxx xxx As per the Appraisal Document, the property value is xxx, while the Tape reflects xxx. However, the 1008 indicates that the appraised value was reduced by xxx due to the converted garage being assigned no value.
xxx 89258     xxx CLTV propertyValuationPage xxx xxx As per the Appraisal Document, the property value is xxx, while the Tape reflects xxx. However, the 1008 indicates that the appraised value was reduced by xxx because the converted garage was assigned no value. Due to this xxx difference in the appraised value, the LTV is slightly lower.