MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM11 ABS-15G

 

Exhibit 99.3 - Schedule 5

 

MSID Loan ID Seller Loan ID Field Name Verified Value Bid Tape Value Comment  
9980440 XXXXX   Seller Name XXX XXX No discrepancy  
9980440 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per rate lock  
9983981 XXXXX   Seller Name XXX XXX per Note  
9983981 XXXXX   Loan Amount $XXXXX $XXXXX per Note, Final CD  
9983981 XXXXX   Qualifying CLTV 70.0 69.70 rounding  
9983347 XXXXX   Loan Amount $XXXXX $XXXXX Audit_ verified XXX Confirmed - Documentation Matches Resolution: The XXX XXX confirms the correct XXX is XXX as Stated in Section XXX - Borrower's Promise to Pay.  
9983347 XXXXX   Qualifying CLTV 75.0 71.42 Audit_ verified Current LTV is calculated at XXX% based on appraised value of XXX and XXX of XXX  
9983347 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Audit Complete - Lock Confirmation Verified Lock confirmation documentation has been Audited and verified in file. XXX is Stated as XX/XX/XXXX per supporting documents. All required lock terms and conditions are present and properly executed.  
9985088 XXXXX   Loan Amount $XXXXX $XXXXX Per note  
10007976 XXXXX   Qualifying FICO XXX XXX XXX per credit report.  
10024835 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003  
10028421 XXXXX   Loan Amount $XXXXX $XXXXX Per note  
10028421 XXXXX   Qualifying FICO XXX XXX Per XXX mid fico  
10024681 XXXXX   Loan Amount $XXXXX $XXXXX Per Note  
10024681 XXXXX   Property Type PUD Single Family Detached Per appraisal  
10046561 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per doc  
10066029 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per rate lock  
10065422 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per documents  
10084458 XXXXX   Seller Name XXX XXX Per docs  
10085026 XXXXX   Qualifying CLTV 46.59 47.42 PE4r docs  
10088423 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per lock  
10088975 XXXXX   Qualifying FICO XXX XXX Per credit  
10088975 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per lock  
10090640 XXXXX   Lock Date XX/XX/XXXX XX/XX/XXXX Per rate lock  
10091853 XXXXX   Property Type PUD Single Family Detached Verified XXX using the appraisal  
10179387 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified by the initial 1003.  
10179387 XXXXX   Credit QM/ATR Designation XXX XXX Verified by the guidelines.  
10179514 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified by the initial 1003.  
10179514 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Verified by the calculations.  
10179435 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per Inital 1003  
10179435 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per income calculation  
10179435 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval  
10248947 XXXXX   MIN No XXX XXX Confirmed MIN# to DOT  
10248940 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Confirmed the XXX XX/XX/XXXX as per the Note  
10220140 XXXXX   Property Value $XXX $XXX Updated as per Appraisal. Tape is XXX  
10220140 XXXXX   Property Type Condominium Other Updated as per Appraisal XXX is XXX  
10220140 XXXXX   Qualifying All Borrower Residual Income XXX XXX Updated as per Guideline  
10248932 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX True data is correct. Per the Final XXX XXX  
10248944 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX True data is correct per the Final note is dated XXX  
10248941 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX XXX XX/XX/XXXX  
10220240 XXXXX   Qualifying All Borrower Residual Income XXX XXX XXX-$XXX  
10248975 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX XXX is XXX/XXX/XXX.  
10220313 XXXXX   Qualifying All Borrower Residual Income XXX XXX Confirmed after PITIA and credit report debts.  
10220113 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per Note  
10220113 XXXXX   First Payment Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003  
10220113 XXXXX   ULI XXX XXX Per 1003  
10220113 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per XXX  
10220113 XXXXX   Qualifying All Borrower Residual Income XXX XXX Updated per LM  
10220146 XXXXX   MIN No XXX XXX Verified with the loan Security Agreement,  
10220146 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.  
10220146 XXXXX   Verified Doc Type XXX XXX Verified with the XXX and the income calculator.  
10220146 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10287689 XXXXX   MIN No XXX XXX XXX confirmed using Mortgage.  
10287689 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities  
10220150 XXXXX   MIN No XXX XXX Verified with the Security Instrument  
10220150 XXXXX   Qualifying FICO XXX XXX Verified with the primary wage earners mid score.  
10220150 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10250677 XXXXX   MIN No XXX XXX Per the Mortgage  
10250677 XXXXX   Property Value $XXX $XXX Per the appraisal in file  
10250677 XXXXX   ULI XXX XXX Per the 1003  
10250677 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per the verified assets  
10250677 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified by subtracting debt from qualifying income  
10250636 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified if required per Lender guides per XXX, verified from the Note and verified applicable assets available  
10250636 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying XXX DTI ratio and Compliance Report for HPML Status. Qualifying residual income is calculated by reducing expenses from the qualifying income.  
10250598 XXXXX   Property Value $XXX $XXX updated per appraisal  
10250598 XXXXX   Qualifying Total Reserves Number of Months XXX XXX updated per Statements  
10250598 XXXXX   Qualifying All Borrower Residual Income XXX XXX per updated documentation in file  
10250680 XXXXX   Property Value $XXX $XXX The appraisal reflects a XXX of XXX while the sale price is XXX and the Tape Data shows a property valuation of XXX  
10250680 XXXXX   Verified Doc Type XXX XXX Doc Type: XXX-Year Full Doc updated based on Borrower 1’s XXX, pension, and other income, as documented in FormXXX (XXX & XXX) and Form XXX-R (XXX & XXX).  
10250680 XXXXX   Qualifying All Borrower Residual Income XXX XXX Residual income guidelines apply only when the DTI exceeds XXX% for XXXs and second homes. As the loan DTI is XXX% residual income is not required. However, True Data reflects an auto-generated qualifying residual income of XXX for all borrowers.  
10369372 XXXXX   Number of Units XXX XXX Verified to appraisal; Subject is a XXX with XXX  
10369372 XXXXX   Property Type Single Family Detached Two to Four Unit Verified to appraisal; Subject is a XXX with XXX  
10369372 XXXXX   Qualifying All Borrower Residual Income XXX XXX Based on qualifying income and total debts  
10250604 XXXXX   ULI XXX XXX Verified per Final 1003.  
10250604 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified per initial loan application  
10250604 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified if required per Lender guides per XXX, verified from the Note and verified applicable assets available.  
10250604 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying XXX DTI ratio and Compliance Report for HPML Status. Qualifying residual income is calculated by reducing expenses from the qualifying income.  
10250626 XXXXX   Property Value $XXX $XXX Verified to appraised value vs XXX price  
10250626 XXXXX   Qualifying All Borrower Residual Income XXX XXX Based on qualifying income and total debts  
10220121 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.  
10220121 XXXXX   Verified Doc Type XXX XXX Verified with the approval  
10220121 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.  
10220121 XXXXX   Calculated DSCR XXX XXX Loan is XXX not DSCR per the approval.  
10220121 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10287699 XXXXX   Property Value $XXX $XXX Using XXX price as XXX since it is lower than the appraised value  
10287699 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per assets  
10287699 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts  
10323371 XXXXX   MIN No XXX XXX Verified to Deed  
10323371 XXXXX   ULI XXX XXX Verified to 1003  
10323371 XXXXX   Property Value $XXX $XXX Verified to appraised value; LTV based on list price which matches tape data XXX  
10323371 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified to assets  
10323371 XXXXX   Qualifying All Borrower Residual Income XXX XXX Based on verified income and total debts  
10248933 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX The correct date on the Note is XX/XX/XXXX  
10248933 XXXXX   MIN No XXX XXX The MIN # on Deed is: XXX  
10248977 XXXXX   MIN No XXX XXX True data is correct, per mortgage Deed  
10248973 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Per Note  
10248973 XXXXX   MIN No XXX XXX Per mortgage deed  
10248949 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Per the Note the date is XX/XX/XXXX  
10248949 XXXXX   MIN No XXX XXX Per the deed the MIN is XXX  
10248945 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX XXX verified.  
10248945 XXXXX   MIN No XXX XXX Min number verified via Mortgage/DOT.  
10248943 XXXXX   MIN No XXX XXX Per Deed. Min number is accurate  
10248942 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX is correct  
10248942 XXXXX   MIN No XXX XXX XXX is the min number  
10248972 XXXXX   MIN No XXX XXX Per Deed.  
10248976 XXXXX   MIN No XXX XXX Review data is correct per mortgage.  
10248937 XXXXX   MIN No XXX XXX Verified by the mortgage  
10248954 XXXXX   MIN No XXX XXX Mortgage MIN #XXX  
10248968 XXXXX   MIN No XXX XXX Updated MIN number per Deed of Trust.  
10248969 XXXXX   MIN No XXX XXX Verified by the mortgage  
10248935 XXXXX   MIN No XXX XXX Updated to match Deed  
10248960 XXXXX   MIN No XXX XXX Min number verified via DOT.  
10248967 XXXXX   MIN No XXX XXX Updated to match Deed  
10248974 XXXXX   MIN No XXX XXX Updated MIN number per the Deed of Trust.  
10248965 XXXXX   MIN No XXX XXX The system is correct.  
10248952 XXXXX   MIN No XXX XXX The system has the correct information.  
10286421 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX XXX/XXX/XXX, Per Initial 1003.  
10287731 XXXXX   MIN No XXX XXX XXX confirmed using Mortgage document.  
10287731 XXXXX   Property Value $XXX $XXX XXX confirmed using Appraisal Report.  
10287731 XXXXX   Qualifying CLTV 44.75 43.96 XXX confirmed using XXX available in the file.  
10287731 XXXXX   Qualifying LTV 44.75 43.96 XXX confirmed using XXX available in the file.  
10287731 XXXXX   Qualifying All Borrower Residual Income XXX XXX Qualifying all borrowers’ residual income is not required if the DTI is less than XXX%  
10287685 XXXXX   Property Value $XXX $XXX The appraisal reflects a XXX of XXX while the sale price is XXX and the Tape Data shows a property valuation of XXX  
10287685 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified XXX: XX/XX/XXXX From Initial 1003 Section XXX: Loan Originator Information.  
10287685 XXXXX   Qualifying All Borrower Residual Income XXX XXX Guideline Residual Income Minimum XXX and True Data reflects an auto-generated qualifying residual income of XXX for all borrowers.  
10250681 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Cash out used for reserves  
10250681 XXXXX   Qualifying All Borrower Residual Income XXX XXX Qualifying Residual Income XXX  
10250685 XXXXX   Property Value $XXX $XXX Using XXX price as XXX since it is lower than the appraised value  
10250685 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per assets  
10250685 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts  
10323470 XXXXX   MIN No XXX XXX Confirmed on mortgage in file.  
10323470 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Confirmed on initial application in file.  
10323470 XXXXX   Qualifying All Borrower Residual Income XXX XXX Confirmed using qualifying income, PITIA and verified debt.  
10220219 XXXXX   First Payment Date XX/XX/XXXX XX/XX/XXXX Verified with the Note  
10220219 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Verified with the Note  
10220219 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Verified with the Note  
10220219 XXXXX   ULI XXX XXX Verified with the Final 1003  
10220219 XXXXX   MIN No XXX XXX Verified with the Security Instrument  
10220219 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the asset Statements.  
10220219 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10287730 XXXXX   Verified Doc Type XXX XXX Verified via Lock Agreement, Loan Approval, and/or XXX and income/asset documentation provided.  
10287730 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying XXX DTI ratio and Compliance Report for HPML Status. Qualifying residual income is calculated by reducing expenses from the qualifying income.  
10220132 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements and cash out,  
10220132 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities  
10323373 XXXXX   ULI XXX XXX Per 1003  
10323373 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per verified assets  
10323373 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per income documentation  
10323496 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Updated as Per Initial 1003  
10323496 XXXXX   Qualifying All Borrower Residual Income XXX XXX After deducting the borrower’s expenses, the residual income is $XXX.  
10323439 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statement and cash out.  
10323439 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10287696 XXXXX   First Payment Date XX/XX/XXXX XX/XX/XXXX Per note  
10287696 XXXXX   Maturity Date XX/XX/XXXX XX/XX/XXXX Per note  
10287696 XXXXX   MIN No XXX XXX MINNo XXX  
10287696 XXXXX   Occupancy XXX XXX XXX  
10287696 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003 XX/XX/XXXX  
10287696 XXXXX   Qualifying All Borrower Residual Income XXX XXX per assets  
10286378 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Audit DTI of XX/XX/XXXX is due to the borrower's income calculation. The borrower's 1st self-employment, The XXX, was verified with only XXX months bank Statements when XXX months were required. The loan file was missing the bank Statement for XXX/XXX/XXX. As a result, the borrower’s income from this business was verified as XXX a month. An audit calculated combined total monthly income was XXX (From XXX business incomes and social security income), which resulted in a DTI of XX/XX/XXXX vs origination total combined monthly income of XXX and origination DTI of XXX. The difference is XXX. The audit DTI of XX/XX/XXXX does not exceed max allowed DTI of XXX%  
10358221 XXXXX   Qualifying CLTV 62.59 62.58 LTV rounded to nearest. No discrepancy.  
10358221 XXXXX   Property Type Condominium Single Family Attached Updated XXX per XXX appraisal.  
10358221 XXXXX   Calculated DSCR XXX XXX Updated DSCR ratio with PITIA payment and market rent.  
10287736 XXXXX   MIN No XXX XXX Data confirmed with Mortgage.  
10287736 XXXXX   Qualifying All Borrower Residual Income XXX XXX Residual Income of XXX based off income of XXX less total monthly expenses of $XXX.  
10358245 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Per the Note, the date is XX/XX/XXXX  
10358245 XXXXX   Calculated DSCR XXX XXX The XXX is $XXX(Market)/$XXX(PITIA)=XXX  
10358218 XXXXX   Calculated DSCR XXX XXX Audit reflects a DSCR of XXX using gross rental income from the XXX contract of XXX divided by the total subject housing expense of $XXX. The lender reflects a DSCR of XXX using PITIA of $XXX. The minor variance is attributable to a XXX difference in the housing expense used. Both ratios exceed the minimum DSCR requirement of XX/XX/XXXX per guidelines. Tape reflects XXX indicating a formatting variance.  
10358235 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Updated XXX per Note.  
10358235 XXXXX   Qualifying CLTV 36.78 36.77 CLTV rounded to nearest. No discrepancy.  
10358235 XXXXX   Calculated DSCR XXX XXX Updated DSCR ratio with PITI payment and market rent from XXX  
10333316 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per the initial 1003, the XXX is XXX.  
10333316 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQM.  
10333316 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The audit DTI of XXX is due to the liabilities. The Final 1003 disclosed the XXX  #XXX account with a monthly payment of XXX and a balance of XXX The credit report, verified the actual payment as XXX with a balance of XXX The account, XXX #XXX, was disclosed with no monthly payment and no balance on the Final 1003; however, the credit report disclosed a monthly payment of XXX and a balance of XXX Updated both liabilities with the higher monthly payments, to be more conservative. The audit DTI of XXX is XX/XX/XXXX higher than the origination DTI of XXX; however, does not exceed max allowed DTI of XXX  
10333316 XXXXX   Loan Product Type XXX XXX Per the Lender's approval and subject note the subject loan is a XXX year fixed.  
10323411 XXXXX   ULI XXX XXX Confirmed with Final Loan Application  
10323411 XXXXX   Property Value $XXX $XXX Confirmed with valuation products: Appraisal and CDA.  
10323411 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Confirmed with the initial loan application.  
10323411 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed using all asset documentation.  
10323411 XXXXX   Qualifying All Borrower Residual Income XXX XXX Confirmed. XXX (Total Income) - XXX (Total Debt)  
10323482 XXXXX   Property City XXX XXX Verified to Note  
10323482 XXXXX   Interest Rate XXX XXX Verified to Note  
10323482 XXXXX   Sales Price $XXX $XXX Verified to Contract addendum and Final CD  
10323482 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified to 1003  
10323482 XXXXX   Property Value $XXX $XXX Verified to appraised value vs purchsae price  
10323482 XXXXX   Qualifying FICO XXX XXX Verified to Credit Report  
10323482 XXXXX   Qualifying All Borrower Residual Income XXX XXX Based on verified income and total debts  
10333338 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX XXX/XXX/XXX, Per Initial 1003.  
10358224 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX XXX XX/XX/XXXX per documentation  
10358224 XXXXX   Calculated DSCR XXX XXX DSCR per XXX%  
10358230 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX True data is correct, per Note  
10358230 XXXXX   Calculated DSCR XXX XXX True data is correct, per audit review  
10323412 XXXXX   Property Value $XXX $XXX Using XXX price as XXX since it is lower than the appraised value  
10323412 XXXXX   MIN No XXX XXX Per Note  
10323412 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts  
10323478 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX True data reflects the date on the Note in file.  
10323478 XXXXX   ULI XXX XXX True data reflects ULI on signed 1003 in file.  
10323478 XXXXX   Property Value $XXX $XXX True data field reflects XXX rather than the sale price.  
10323478 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Variance is acceptable. XXX is below $XXX; reserves are not required per guideline. Difference in calculated reserve months does not impact loan eligibility.  
10323478 XXXXX   Qualifying All Borrower Residual Income XXX XXX True data reflects residual income with all other monthly payments.  
10323442 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.  
10323442 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.  
10333395 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003.  
10333395 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Verified difference due to calculation of liability payments.  
10333395 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval.  
10250585 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified assets Statements on file  
10250585 XXXXX   Qualifying All Borrower Residual Income XXX XXX residual not required  
10333375 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per Initial 1003.  
10333375 XXXXX   Credit QM/ATR Designation XXX XXX Non QM/ATR Exempt per Loan Approval.  
10333375 XXXXX   Qualifying Total Debt Income Ratio XXX XXX < XXX% variance.  
10323383 XXXXX   ULI XXX XXX ULI as captured from Final 1003 and it is valid  
10323383 XXXXX   Verified Doc Type XXX XXX XXX Year document available in file, Hence updated year XXX year Full doc.  
10323383 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Reserve month updated as per XXX as XXX Tape shows after consider of down payments  
10323383 XXXXX   Qualifying All Borrower Residual Income XXX XXX As per XXX the residual income is required for more than XXX% of DTI. Hence residual income updated as XXX  
10323403 XXXXX   ULI XXX XXX Per Final 1003  
10323403 XXXXX   Qualifying CLTV 61.17 61.16 Per XXX/Rounding  
10323403 XXXXX   Qualifying LTV 61.17 61.16 Per XXX/Rounding  
10323403 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per assets  
10323403 XXXXX   Loan Product Type XXX XXX Per Note  
10323403 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts  
10323390 XXXXX   Verified Doc Type XXX XXX Verified with the income documents.  
10323390 XXXXX   Qualifying FICO XXX XXX Verified with the Credit report, Primary wage earners mid score.  
10323390 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10358240 XXXXX   MIN No XXX XXX per mortgage  
10323462 XXXXX   Property Value $XXX $XXX XXX updated as per appraisal report.  
10323462 XXXXX   Qualifying All Borrower Residual Income XXX XXX Residual income based on verified income and total debts.  
10379950 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Per the note, the date is XX/XX/XXXX  
10379950 XXXXX   Originator QM Status XXX XXX loan file is a refi cash out of XXX property. The Originator QM Status is XXX  
10379950 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Incorrect due to pulling housing debt instead of total DTI  
10379953 XXXXX   Loan Purpose XXX XXX True data is correct, per Final CD  
10379953 XXXXX   Qualifying Total Debt Income Ratio XXX XXX True data is correct, per audit review  
10333351 XXXXX   Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX CD provided  
10323418 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003  
10323418 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per income documentation  
10286415 XXXXX   Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX Per mortgage doc.  
10286415 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Updated Per Initial 1003.  
10286415 XXXXX   Qualifying CLTV 65.25 65.24 Updated per appraisal and XXX.  
10286415 XXXXX   Qualifying LTV 65.25 65.24 Updated per appraisal and XXX.  
10286415 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Updated per income and liabilities - all match to lender and appears this may have been a tape data entry error.  
10333392 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per the initial 1003 the XXX is XXX.  
10333392 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Audit DTI is XXX due to the liabilities. Per the Final 1003, a revolving debt for XXX #XXX was disclosed; however, with no balance or monthly payment. Per the borrower's credit report, dated XXX/XXX/XXX, the XXX #XXX account was disclosed with a balance of XXX and monthly payment of XXX The loan file did not contain any documents to verify this account was paid off or paid in full. As a result, was added into the final DTI calculations. The audit DTI of XXX and a difference of XX/XX/XXXX from the origination DTI of XXX and does not exceed the guideline max DTI of XXX%  
10220114 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.  
10220114 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10287774 XXXXX   Property Value $XXX $XXX The appraisal dated XX/XX/XXXX valued the property at XXX  
10287774 XXXXX   Qualifying Total Reserves Number of Months XXX XXX The post closing assets =XXX months reserves  
10287774 XXXXX   Qualifying All Borrower Residual Income XXX XXX There is no guideline residual income requirement  
10287702 XXXXX   Property Value $XXX $XXX Per Appraisal.  
10287702 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Supported by asset documents in file.  
10287702 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per income documents in file.  
10323498 XXXXX   ULI XXX XXX Verified ULI via Final 1003  
10323498 XXXXX   Property Value $XXX $XXX Value vs XXX.  
10323498 XXXXX   Property Type PUD Single Family Detached Appraisal pg.XXX shows PUD  
10323498 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified Statements on file  
10323498 XXXXX   Qualifying All Borrower Residual Income XXX XXX Min met XXX  
10369396 XXXXX   MIN No XXX XXX Confirmed with mortgage.  
10369396 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Confirmed with initial loan application.  
10369396 XXXXX   Qualifying All Borrower Residual Income XXX XXX Confirmed. Total monthly income minus debt load.  
10379957 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Audit DTI matches Lender's DTI on XXX  
10379955 XXXXX   Qualifying Total Debt Income Ratio XXX XXX XXX% DTI due to escrow verifications  
10379951 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The current ratios are correct based on all mtg Statements, tax docs and HOA as the XXX in file does not appear to be the final and has been requested.  
10354193 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Lenders tape data does not use the XXX% of rental income it is at XXX% XXX figure matches the final XXX  
10354193 XXXXX   Lock Term (Days) XXX XXX Compliance entry  
10365372 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003  
10365372 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval  
10365372 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Audit total debt calculation XXX less than Lender  
10379956 XXXXX   MIN No XXX XXX True data is correct, per Mortgage Deed  
10379956 XXXXX   Qualifying Total Debt Income Ratio XXX XXX True data is correct, per audit review. XXX and lock show XXX%. Variance due to different amount of negative rental income used for XXX-XXX. Mortgage Statement in file reflects XXX Final 1003 reflects XXX  
10323394 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified residual income to qualifying income less total debts; not required on XXX with DTI < XXX%  
10369387 XXXXX   ULI XXX XXX Verified ULI from Final 1003  
10369387 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Initial 1003 date  
10369387 XXXXX   Verified Doc Type XXX XXX XXX per Lock Conf  
10369387 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified Statements on file.  
10369387 XXXXX   Qualifying All Borrower Residual Income XXX XXX Min met XXX  
10379949 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX XXX updated as per Note doc.  
10379949 XXXXX   Loan Purpose XXX XXX XXX updated as per Final 1003.  
10379949 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Verified by the income and debt  
10369434 XXXXX   Property Type Townhouse PUD Attached PUD is a TH  
10369434 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Reserves calculated based on verified assets.  
10369434 XXXXX   Qualifying All Borrower Residual Income XXX XXX Residual income based on verified income and total debts.  
10365457 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per the XXX the origination DTI is XXX%. The tape data DTI of XXX is rounded. The audit DTI of XXX% matches origination DTI.  
10369379 XXXXX   Property Value $XXX $XXX Updated per appraisal  
10369379 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Updated per documents  
10369379 XXXXX   Qualifying All Borrower Residual Income XXX XXX Updated per documents  
10369442 XXXXX   ULI XXX XXX True Data verified by Final 1003  
10369442 XXXXX   MIN No XXX XXX True Data verified by Final Mortgage  
10369442 XXXXX   Qualifying Total Reserves Number of Months XXX XXX True Data verified by Assets  
10369442 XXXXX   Qualifying All Borrower Residual Income XXX XXX True Data verified by Income Docs  
10365350 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX XXX date confirmed using Initial 1003.  
10365479 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX XXX updated as Per Initial 1003.  
10379952 XXXXX   MIN No XXX XXX Verified by the security instrument  
10379952 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Verified by the income and debt  
10369395 XXXXX   MIN No XXX XXX Verified from the Deed of Trust.  
10369395 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified by initial XXX.  
10369395 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified if required per Lender guides per XXX via the Note and verified applicable assets available or net cash out received per final CD (if applicable).  
10369395 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying BE DTI ratio and Compliance Report for HPML Status. Qualifying residual income is calculated by reducing expenses from the qualifying income.  
10323415 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Verified with the Note  
10323415 XXXXX   Interest Rate XXX XXX Verified with the Note  
10323415 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.  
10323415 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified with the initial 1003 and compliance report  
10323415 XXXXX   Qualifying CLTV 75.0 80.00 Verified with the XXX and XXX  
10323415 XXXXX   Qualifying LTV 75.0 80.00 Verified with the XXX and XXX  
10323415 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10365416 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified per the initial 1003, the XXX is XXX/XXX/XXX.  
10365416 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per the XXX the origination DTI is XXX%. The audit DTI of XXX% matches the origination DTI.  
10369369 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying BE DTI ratio and Compliance Report for HPML Status. Qualifying residual income is calculated by reducing expenses from the qualifying income.  
10369420 XXXXX   Property Value $XXX $XXX Subject value vs XXX.  
10369420 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Updated as per Asset document  
10369420 XXXXX   Qualifying All Borrower Residual Income XXX XXX Min met XXX  
10369426 XXXXX   Property Value $XXX $XXX Tape value is XXX price  
10369426 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per verified assets  
10369426 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per income calculations  
10369406 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Reserves updated as per available assets stmts.  
10369406 XXXXX   Qualifying All Borrower Residual Income XXX XXX Discrepancy of XXX exists because the lender did not include the credit liability in the calculation. other debt" on XXX shows as XXX  
10369413 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.  
10369413 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.  
10369413 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10365409 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX XXX/XXX/XXX, Per Initial 1003.  
10365409 XXXXX   Qualifying Total Debt Income Ratio XXX XXX < XX/XX/XXXX variance.  
10365459 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX XXX/XXX/XXX, Per Initial 1003.  
10365459 XXXXX   Qualifying Total Debt Income Ratio XXX XXX XXX% DTI per audit review. The XXX indicates the Borrower's subject lien payment was $XXX. Per the Note, the actual payment was $XXX. Additionally, the XXX indicates the qualifying income was XXX (the Final 1003 indicates the qualifying payment of only $XXX), however audit calculated the qualifying income of only $XXX.  
10392863 XXXXX   Qualifying FICO XXX XXX Updated as per Credit report  
10392863 XXXXX   Qualifying All Borrower Residual Income XXX XXX Updated as per guidelines  
10365383 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Verified using initial 1003  
10369399 XXXXX   Property Value $XXX $XXX This the appraised value vs the XXX  
10369399 XXXXX   ULI XXX XXX The ULI matches the 1003  
10369399 XXXXX   MIN No XXX XXX The MIN matches the mortgage  
10369399 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX The LO signature date on initial 1003 is XX/XX/XXXX  
10369399 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Assets match the documentation provided  
10369399 XXXXX   Qualifying All Borrower Residual Income XXX XXX This is caused by the way the rental loss is being included  
10369389 XXXXX   Property Value $XXX $XXX Verified XXX to appraisal vs XXX price  
10369389 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified residual income not required for DTI < XXX%  
10392938 XXXXX   Property Value $XXX $XXX XXX per Appraisal.  
10392938 XXXXX   Qualifying Total Reserves Number of Months XXX XXX XXX per assets provided in file.  
10392938 XXXXX   Qualifying All Borrower Residual Income XXX XXX XXX per audit review. Residual income is not required per Select guidelines.  
10392970 XXXXX   Property Value $XXX $XXX Using XXX price as XXX since it is lower than the appraised value  
10392970 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per assets  
10392970 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts  
10369414 XXXXX   Property Value $XXX $XXX True Data reflects Appraised Value - Tape Data reflects XXX  
10369414 XXXXX   Qualifying Total Reserves Number of Months XXX XXX No reserves required - Assets verified with documents within file  
10369414 XXXXX   Qualifying All Borrower Residual Income XXX XXX Residual Income not required but verified with Income docs in file  
10369368 XXXXX   MIN No XXX XXX Confirmed on mortgage in file.  
10369368 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Confirmed on initial 1003, loan Originator signature date.  
10369368 XXXXX   Qualifying All Borrower Residual Income XXX XXX Confirmed after verified debts and subject transaction payments.  
10369382 XXXXX   Qualifying CLTV 46.69 46.68 Calculated CLTV as per the XXX; no discrepancy noted  
10369382 XXXXX   Qualifying LTV 46.69 46.68 Calculated LTV as per the XXX; no discrepancies noted  
10369382 XXXXX   Qualifying Total Reserves Number of Months XXX XXX As per Asset document updated  
10369382 XXXXX   Qualifying All Borrower Residual Income XXX XXX Income and liabilities are calculated as per the most recent documents  
10369425 XXXXX   Property Type PUD Single Family Detached The Appraisal indicates the property is a PUD and HOA dues are reflected in the appraisal.  
10369425 XXXXX   Qualifying Total Reserves Number of Months XXX XXX XXX per the assets provided in file.  
10369425 XXXXX   Qualifying All Borrower Residual Income XXX XXX XXX residual income per audit review. No residual income is required per guidelines with DTI < XXX%  
10392917 XXXXX   Property Value $XXX $XXX As per the Contract of Sale, the XXX is $XXX. I updated the XXX to reflect the amount documented in the XXX contract.  
10392917 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Audit calculated XXX months of reserves. per the Guidelines " <= XXX = no reserves required "  
10392917 XXXXX   Qualifying All Borrower Residual Income XXX XXX Auditor Qualified monthly income XXX - total Liabilities XXX = XXX Residual income  
10392853 XXXXX   ULI XXX XXX Per 1003  
10392853 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per Final 1003  
10392853 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per assets  
10392853 XXXXX   Qualifying All Borrower Residual Income XXX XXX Per monthly income less at all debts  
10392869 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX app date confirmed initial 1003  
10392869 XXXXX   Property Value $XXX $XXX XXX verified and is accurate  
10392869 XXXXX   Property Type Condominium Other XXX confirmed as XXX  
10392869 XXXXX   Qualifying Total Reserves Number of Months XXX XXX rounding issue  
10392869 XXXXX   Qualifying All Borrower Residual Income XXX XXX residual income verified  
10369400 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Confirmed on initial 1003.  
10369400 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Cash-out utilize for an reserve which populate XXX month of reserve month.  
10369400 XXXXX   Qualifying All Borrower Residual Income XXX XXX Calculated after verified monthly payments.  
10392905 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.  
10392905 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.  
10392905 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10369388 XXXXX   Property Value $XXX $XXX Update as per document  
10369388 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Update as per guideline  
10369388 XXXXX   Qualifying All Borrower Residual Income XXX XXX Update as per document  
10369386 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Difference appears to be rounding, verified on asset documentation used for closing.  
10369386 XXXXX   Qualifying All Borrower Residual Income XXX XXX Confirmed after all payments reflected on the credit report and PITIA of subject.  
10369424 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Updated as per Document.  
10369424 XXXXX   Qualifying All Borrower Residual Income XXX XXX Updated as per Document.  
10399571 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Updated Per Initial 1003.  
10392908 XXXXX   Qualifying Total Reserves Number of Months XXX XXX The borrower has XXX months of qualifying reserves. However, no reserves are required for the subject transaction per applicable guidelines; therefore, the reserve requirement is met  
10392908 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10369375 XXXXX   Property Value $XXX $XXX Appraised value XXX per appraisal  
10369375 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Intiial application taken on XX/XX/XXXX  
10369375 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Post assets  
10369375 XXXXX   Qualifying All Borrower Residual Income XXX XXX Residual income met guidelines  
10369366 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower XXX price used to qualify.  
10369366 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements  
10369366 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.  
10365515 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003  
10220204 XXXXX   Property Value $XXX $XXX Since the XXX is lower than the XXX, the XXX was used to calculate LTV and CLTV  
10220204 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statement  
10220204 XXXXX   Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities  
10161119 XXXXX XXXXX Originator Doc Type XXX XXX Per Loan Approval  
10161119 XXXXX XXXXX Qualifying Total Reserves Number of Months XXX XXX Per asset documentation and housing expense  
10161119 XXXXX XXXXX Total Qualified Assets Available XXX XXX Per asset documentation  
10161119 XXXXX XXXXX Qualifying Total Monthly Liabilities XXX XXX Per liability documentation  
10161119 XXXXX XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Per Appraisal Receipt document  
10287729 XXXXX XXXXX Originator Doc Type XXX XXX Doc type selected from drop down.  
10287729 XXXXX XXXXX Total Liquid Assets Available For Close XXX XXX Liquid assets verified.  
10287729 XXXXX XXXXX Total Qualified Assets Available XXX XXX Assets verified.  
10287729 XXXXX XXXXX Qualifying Total Reserves Number of Months XXX XXX Reserves verified.  
10287729 XXXXX XXXXX Qualifying Total Monthly Liabilities XXX XXX Liabilities verified.  
10287729 XXXXX XXXXX Borrower Appraisal Receipt Date XX/XX/XXXX XX/XX/XXXX Appraisal receipt date verified.