EFMT 2026-NQM12 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 2177011 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final ALTA Settlement Statemen
XXXX 2176975 XXXX XXXX Property Address notePage XXXX XXXX per note
XXXX 2176975 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per CD
XXXX 2177006 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 38.85 27.00 All assets provided were considered. 
XXXX 2177013 XXXX XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 60408.96 -60408.93 per Final Settlement Statement
XXXX 2177013 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 26.96 19.00 All assets provided were considered. 
XXXX 2176995 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA
XXXX 2176995 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.03 1.01 Market rent/PITIA lender calc not provided
XXXX 2200801 XXXX XXXX Date Last Rate Was Set tridLePageInitial XXXX XXXX Per LE
XXXX 2206757 XXXX XXXX Loan Type the1003Page DSCR Conventional per Application
XXXX 2206765 XXXX XXXX Property Value propertyValuationPage XXXX XXXX per appraisal
XXXX 2206765 XXXX XXXX Number of Mortgaged Properties creditLiabilitiesPage 12 1.0 Per Schedule of Real Estate Owned provided
XXXX 2206756 XXXX XXXX Loan Type the1003Page DSCR Conventional Per the loan approval.
XXXX 2206756 XXXX XXXX Borrower 1 Ethnicity - I do not wish to provide this information the1003Page XXXX XXXX Per 1003
XXXX 2206756 XXXX XXXX Borrower 1 Sex - I do not wish to provide this information the1003Page XXXX XXXX Per 1003
XXXX 2206756 XXXX XXXX Borrower 1 Race - I do not wish to provide this information the1003Page XXXX XXXX Per 1003
XXXX 2206758 XXXX XXXX Loan Origination Company notePage XXXX XXXX Per note
XXXX 2206758 XXXX XXXX Subject Property Gross Rental income businessPurposePage 4600 0.0 Per 1025
XXXX 2206758 XXXX XXXX Number of Mortgaged Properties creditLiabilitiesPage 12 1.0 Per Schedule of Real Estate Owned provided
XXXX 2206759 XXXX XXXX Loan Type the1003Page DSCR Conventional DSCR
XXXX 2206759 XXXX XXXX Borrower 1 Ethnicity - I do not wish to provide this information the1003Page XXXX XXXX Per 1003
XXXX 2206759 XXXX XXXX Subject Property Gross Rental income businessPurposePage 4600 0.0 per 1025
XXXX 2206759 XXXX XXXX Amount of Other Lien titlePage XXXX XXXX no other liens
XXXX 2206759 XXXX XXXX Property Value propertyValuationPage XXXX XXXX per appraisal
XXXX 2206759 XXXX XXXX Number of Mortgaged Properties creditLiabilitiesPage 12 1.0 per REO schedule
XXXX 2200802 XXXX XXXX Date Last Rate Was Set tridLePageInitial XXXX XXXX Per Loan Detail Report
XXXX 2200802 XXXX XXXX Final Reviewed QM Status diligenceFinalLookPage QM: Average Prime Offer Rate (APOR) ATR/QM: Exempt Primary purchase transaction
XXXX 2215385 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 58.37 58.00 Per Settlement Statement
XXXX 2216585 XXXX XXXX Date Last Rate Was Set tridLePageInitial XXXX XXXX Per Loan Report Detail
XXXX 2216585 XXXX XXXX Final Reviewed QM Status diligenceFinalLookPage QM: Average Prime Offer Rate (APOR) ATR/QM: Exempt primary residence