EX-99.4 24 ea025949101_ex99-4sch3.htm SCHEDULE 3 - DATA COMPARE

Exhibit 99.4 Schedule 3

 

ASF Loan Number Loan ID Seller Loan ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
400097078 XXX XX XXX HMC0001_Post-Close Flow Borrower 1 SSN the1003Page XX XX  
400098164 XXX XX XXX HMC0001_Post-Close Flow Qualifying Total Housing Expense PITIA diligenceFinalLookPage 8079.18 8079.20 Per and Taxes and Ins. /Lenders approval has no taxes and Ins
2000051892 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Reserves Number of Months assetPage 6.42 10.00 Per C/O proceeds and checking account
2000051892 XXX   XXX HMC0001_Post-Close Flow Qualifying Housing Debt Income Ratio diligenceFinalLookPage 16.19 11.96 Variance due to Audit calc. lower income 
2000051892 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Debt Income Ratio diligenceFinalLookPage 36.13 23.43 Variance due to Audit calc. lower income 
2000052487 XXX   XXX HMC0001_Post-Close Flow Cash Disbursement Date finalCdDetailPage XX XX Per Final CD
2000052487 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Housing Expense PITIA diligenceFinalLookPage 10427.8 10244.47 Audit includes HOA
2000052487 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Debt Income Ratio diligenceFinalLookPage 33.77 37.73 Variance unable to determine, lender 1008 not provided
2000046806 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Housing Expense PITIA diligenceFinalLookPage 14262.96 13997.30 Audit includes HOA
2000053792 XXX   XXX HMC0001_Post-Close Flow Cash Disbursement Date closingDetailsNonCompliancePage XX XX Per Final CD
2000053419 XXX   XXX HMC0001_Post-Close Flow Property Type propertyValuationPage Two to Four Unit Attached 2-Unit Detached per appraisal report
2000053171 XXX   XXX HMC0001_Post-Close Flow Primary Appraised Property Value propertyValuationPage XX XX Appraisal value vs Purchase price
2000053171 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Reserves Number of Months assetPage 17.78 10.00 Per documented assets in file. UTD tape value.
2000053332 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Reserves Number of Months assetPage 42.32 39.00 cashout proceeds
2000053393 XXX   XXX HMC0001_Post-Close Flow Qualifying FICO creditLiabilitiesPage 629 650 Primary wage earner
2000053728 XXX   XXX HMC0001_Post-Close Flow Property Type propertyValuationPage Townhouse Single Family Detached per title
2000053728 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.35 32.49 Ineligible deposits were not consider  in  income calculation. 
2000053728 XXX   XXX HMC0001_Post-Close Flow Qualifying Housing Debt Income Ratio diligenceFinalLookPage 10.97 8.08 Ineligible deposits were not consider  in  income calculation. 
2000053730 XXX   XXX HMC0001_Post-Close Flow Property Type propertyValuationPage Townhouse Single Family Detached per title
2000053730 XXX   XXX HMC0001_Post-Close Flow Qualifying Housing Debt Income Ratio diligenceFinalLookPage 10.97 8.08 Ineligible deposits were not consider  in  income calculation. 
2000053730 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.35 32.49 Ineligible deposits were not consider  in  income calculation. 
2000053734 XXX   XXX HMC0001_Post-Close Flow Property Type propertyValuationPage Townhouse Single Family Detached per title
2000053734 XXX   XXX HMC0001_Post-Close Flow Qualifying Housing Debt Income Ratio diligenceFinalLookPage 10.97 13.50 Ineligible deposits were not consider  in  income calculation. 
2000053734 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Debt Income Ratio diligenceFinalLookPage 38.84 32.49 Ineligible deposits were not consider  in  income calculation. 
2000053736 XXX   XXX HMC0001_Post-Close Flow Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 36943.68 -37659.91 Per calculations
2000053736 XXX   XXX HMC0001_Post-Close Flow Property Type propertyValuationPage Townhouse Single Family Detached Per appraisal
2000053736 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.34 32.49 Calculated income lower than income used by the lender.
2000054262 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Reserves Number of Months assetPage 111.94 103.00 cashout proceeds
2000054675 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Housing Expense PITIA diligenceFinalLookPage 3196.63 3159.63 W/HOA 
2000054675 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Debt Income Ratio diligenceFinalLookPage 41.7 21.93 Audit confirmed REOs on credit report not factor in DTI
2000054697 XXX   XXX HMC0001_Post-Close Flow Cash Disbursement Date finalCdDetailPage XX XX Per final CD
2000054697 XXX   XXX HMC0001_Post-Close Flow Qualifying Total Housing Expense PITIA diligenceFinalLookPage 3985.55 3931.39 Audit using HOA dues
2000051910 XXX   XXX HMC0001_Post-Close Flow Property Type propertyValuationPage Townhouse Single Family Detached Per appraisal