EX-99.5 32 ea025949101_ex99-5sch4.htm SCHEDULE 4 - DATA COMPARE

Exhibit 99.5 Schedule 4

 

ASF Loan Number Loan ID ALT Loan ID Field Name Verified Value Bid Tape Value Comment
92400187377 XX   MIN No XXX XXX Per the Security Instrument
92400187377 XX   Application Date XX XX Initial 1003
92400187377 XX   Qualifying Total Reserves Number of Months 32.24 36.67 Per the asset statements
92400187377 XX   Qualifying All Borrower Residual Income 227114.44 295500.72 Income and liabilities
92400186695 XX   ULI XXX XXX Per final 1003
92400186695 XX   Qualifying Total Reserves Number of Months 8.75 8.07 Per CD
92400186695 XX   Qualifying All Borrower Residual Income 10599.04 11734.04 Per monthly income less all debts
92400186495 XX   ULI XXX XXX 1003
92400186495 XX   MIN No XXX XXX Security Instrument
92400186495 XX   Property Value XX XX Appraisal
92400186495 XX   Qualifying Total Reserves Number of Months 9.9 -37.43 Assets
92400186495 XX   Qualifying All Borrower Residual Income 6022.59 7782.58 Income and liabilities
92400185900 XX   Property Value XX XX From the 1008
92400185900 XX   Application Date XX XX Initial 1003
92400185900 XX   Qualifying Total Reserves Number of Months 179.36 108.32 Assets
92400185900 XX   Qualifying All Borrower Residual Income 1148700.6 1161598.60 Income and liabilities
92400185544 XX   Qualifying Total Reserves Number of Months 26.59 53.58 Assets
92400185539 XX   Qualifying Total Reserves Number of Months 29.73 29.07 12 months reserves are required per NQMF Guidelines.
92400185539 XX   Qualifying All Borrower Residual Income 71566.49 73599.43 No residual income is required when DTI<43% and not a HPML loan. 
92400184557 XX   MIN No XXX XXX Security Instrument
92400184557 XX   Application Date XX XX Initial 1003
92400184557 XX   ULI XXX XXX Final 1003
92400184557 XX   Property Value XX XX Appraisal 
92400184557 XX   Qualifying Total Reserves Number of Months 6.98 7.44 Assets
92400184557 XX   Qualifying All Borrower Residual Income 6516.17 6608.04 Income and liabilities
92400184048 XX   Property Value XX XX Confirmed with Appraisal Report.
92400184048 XX   ULI XXX XXX Confirmed with Final 1003.
92400184048 XX   Application Date XX XX Confirmed with Initial 1003.
92400184048 XX   Qualifying Total Reserves Number of Months 6.89 6.71 Confirmed with bank statements provided.
92400184048 XX   Qualifying All Borrower Residual Income 18134.86 18851.83 Confirmed with bank statements provided for income verification and Credit Report. 
92400183096 XX   First Payment Date XX XX Per Note.
92400183096 XX   ULI XXX XXX ULI is correct per Final XXX page XXX.
92400183096 XX   MIN No XXX XXX Per Note.
92400183096 XX   Maturity Date XX XX Per Note. 
92400183096 XX   Property Value XX XX Per appraisal.
92400183096 XX   Qualifying Total Reserves Number of Months 10.02 6.97 6 months assets are required per NQMF guidelines. 
92400183096 XX   Calculated DSCR 0 0.99 This is not a DSCR Loan. Subject property is a Primary residence. 
92400183096 XX   Qualifying All Borrower Residual Income 15862.82 11828.06 No residual income required when DTI<43% or not a HPML loan. 
92400181898 XX   First Payment Date XX XX Per Note
92400181898 XX   Maturity Date XX XX Per Note
92400181898 XX   MIN No XXX XXX Per Mortgage
92400181898 XX   Property Value XX XX Per only appraisal in file
92400181898 XX   Application Date XX XX Per initial loan application 
92400181898 XX   Qualifying Total Reserves Number of Months 41.65 23.63 Per bank statement
92400181898 XX   Qualifying All Borrower Residual Income 1851168.74 1948288.98 Per audist qualifying income and partially verified debt
92300186681 XX   MIN No XXX XXX Verified to Mortgage
92300186681 XX   Property Value XX XX Verified to appraised value vs purchase price
92300186681 XX   Property Type Single Family Detached Townhouse Verified to appraisal (Det/End Unit)
92300186681 XX   Qualifying Total Reserves Number of Months 111.79 0.00 Verified to assets
92300186681 XX   Qualifying All Borrower Residual Income 16294.84 -859.70 Based on verified income and total debts
92300186602 XX   Property Value XX XX Confirmed with Appraisal Report.
92300186602 XX   Application Date XX XX Confirmed with Initial 1003.
92300186602 XX   Verified Doc Type 1YR Business P&L Business P&L Confirmed with Loan Approval. The file does not contain 2 months business bank statements.
92300186602 XX   Qualifying Total Reserves Number of Months 10.85 0.00 Confirmed with bank statements.
92300186602 XX   Qualifying All Borrower Residual Income 21681.95 25688.09 Confirmed with P&L statement and Credit Report.
92300186531 XX   MIN No XXX XXX Security Instrument
92300186531 XX   Property Value XX XX Appraisal 
92300186531 XX   Qualifying Total Reserves Number of Months 15.98 0.00 Assets
92300186531 XX   Qualifying All Borrower Residual Income 7103.02 9933.71 Income and Liabilities
92300186504 XX   Property Value XX XX Per the appraisal 
92300186504 XX   Application Date XX XX 1003
92300186504 XX   Property Type PUD Condominium Per the appraisal 
92300186504 XX   Qualifying Total Reserves Number of Months 180.05 0.00 Per the assets
92300186504 XX   Qualifying All Borrower Residual Income 6953.26 -19651.16 Income and liabilities
92300186451 XX   MIN No XXX XXX Per Note
92300186451 XX   Property County XX XX Per Mortgage
92300186451 XX   Verified Doc Type 12 Month Bank Statement 24 Month Bank Statement Per income calculator
92300186451 XX   Qualifying Total Reserves Number of Months 19.95 0.00 Per assets
92300186451 XX   Qualifying All Borrower Residual Income 5875.13 16717.26 Per monthly income less all debts
92300186421 XX   MIN No XXX XXX Confirmed with Deed of Trust.
92300186421 XX   Property Value XX XX Confirmed with Appraisal Report.
92300186421 XX   Application Date XX XX Per Initial 1003
92300186421 XX   Verified Doc Type Written Verification of Employment Other Confirmed with Loan Details.
92300186421 XX   Qualifying Total Reserves Number of Months 10.97 0.00 Confirmed with bank statements provided.
92300186421 XX   Qualifying All Borrower Residual Income 3882.03 5136.31 Confirmed with Income documentation and Credit Report.
92300186258 XX   MIN No XXX XXX Verified to Mortgage
92300186258 XX   Property Value XX XX Verified to appraised value vs purchase price
92300186258 XX   Qualifying Total Reserves Number of Months 36.14 0.00 Verified to assets
92300186258 XX   Qualifying All Borrower Residual Income 16199.96 18510.60 Based on verified income and total debts
92300186037 XX   Property Address XX XX Verified to Note
92300186037 XX   Application Date XX XX Verified to LO signature initial 1003
92300186037 XX   Qualifying Total Reserves Number of Months 36.25 0.00 Verified to assets
92300186037 XX   Qualifying All Borrower Residual Income 8773.23 10152.68 Based on verified income and total debts
92300185426 XX   MIN No XXX XXX Min number is correct.
92300185426 XX   Qualifying Total Reserves Number of Months 27.33 0.00 Cash back can be used for reserves on flex supreme.   
92300185426 XX   Qualifying All Borrower Residual Income 58082.12 63107.29 Residual income is $58,082.12.
92300185381 XX   Application Date XX XX Verified to LO signature initial 1003
92300185381 XX   Qualifying Total Reserves Number of Months 8.31 0.00 Verified to assets
92300185381 XX   Qualifying All Borrower Residual Income 6371.16 8973.21 Based on verified income and total debts
92300180144 XX   Qualifying Total Reserves Number of Months 22.03 0.00 cash-out proceeds are used to cover the reserves
92300180144 XX   Qualifying All Borrower Residual Income 6380.94 9893.16 residual income is calculated by taking gross monthly income minus total monthly liabilities
92010186311 XX   Property Value XX XX Per the appraisal 
92010186311 XX   Qualifying Total Reserves Number of Months 56.52 50.09 Per the assets provided. 
92010186311 XX   Qualifying All Borrower Residual Income 142216.78 171844.46 Income and liabilities
92010185590 XX   Qualifying Total Reserves Number of Months 46.23 46.32 verified 6 months reserves with the cash out on the CD. 
92010185590 XX   Qualifying All Borrower Residual Income 7669.32 8382.32 Residual is not required - less than 43% DTI and not HPML
92010185506 XX   Property Value XX XX Appraisal 
92010185506 XX   Qualifying Total Reserves Number of Months 5.7 3.45 Assets provided
92010185506 XX   Qualifying All Borrower Residual Income 18342.18 20264.78 Income and liabilities
92010185304 XX   Property Value XX XX The appraisal is missing from the file, per the 1008 it is $XX Purchase Price of $XX used to calculated LTV. 
92010185304 XX   Qualifying Total Reserves Number of Months 73.37 72.93 No assets present in the file. 
92010185304 XX   Qualifying All Borrower Residual Income 3696.42 3767.40 Income and liabilities
92010184621 XX   Note Date XX XX Per Note.
92010184621 XX   Application Date XX XX Per Initial 1003 page 39.
92010184621 XX   Qualifying Total Reserves Number of Months 117.12 117.15 3 months reserves are required plus an additional 2 months for investment property. 
92010184621 XX   Qualifying All Borrower Residual Income 7489.3 9708.12 No residual income required when DTI<43% or not a HPML loan.
92010184256 XX   Property Value XX XX Verified with the appraisal 
92010184256 XX   Qualifying Total Reserves Number of Months 6.58 6.52 Per the assets
92010184256 XX   Qualifying All Borrower Residual Income 22123.5 26473.81 Income and Liabilities
92010182683 XX   Qualifying Total Reserves Number of Months 8.18 7.84 Assets and cash out
92010182683 XX   Qualifying All Borrower Residual Income 3708.78 2228.58 calculated income and liabilities
92010180428 XX   Qualifying Total Reserves Number of Months 6.61 6.46 Missing assets in the amount of $212,536.76 per Final 1003 and Final 1008. 
92010180428 XX   Qualifying All Borrower Residual Income 10725.69 13293.50 $3,100 residual income required per NQMF guidelines.  Married and 4 dependents = $3,100
92300185715 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Per Loan Approval
92300185715 XX XX Qualifying Total Reserves Number of Months 9.88 12.00 Per income documentation and housing expense
92300185715 XX XX Total Qualified Assets Available 219779.12 261479.22 Per income documentation
92300185715 XX XX Total Liquid Assets Available For Close 194402.23 219779.22 Per income documentation, excluding IRA and CD
92300185715 XX XX Borrower Appraisal Receipt Date XX XX Per Appraisal Receipt Disclosure
92300185742 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Per loan approval 
92300185742 XX XX Qualifying FICO 800 737 Per Primary Wage Earner 
92300185742 XX XX Qualifying Total Reserves Number of Months 16.62 16.00 Rounding 
92300185742 XX XX Total Qualified Assets Available 104056.27 107956.27 Per asset statements minus reserves
92300185742 XX XX Total Liquid Assets Available For Close 67782.28 104056.27 Per asset statements minus reserves
92300185742 XX XX Borrower Appraisal Receipt Date XX XX Per desk review 
92300185778 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Per approval
92300185778 XX XX Cash Disbursement Date 05-12-2025 05/14/2025 Per CD
92300185778 XX XX Total Qualified Assets Available 250014.03 868814.03 Per asset docs
92300185778 XX XX Qualifying Total Reserves Number of Months 7.46 13.00 Per asset docs
92300185778 XX XX Borrower Appraisal Receipt Date XX XX Per appraisal receipt
92300185724 XX XX Borrower 1 Citizen Permanent Resident Alien US Citizen B1 provided permanent resident alien card.
92300185724 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Coding.
92300185724 XX XX Total Liquid Assets Available For Close 35719.74 46719.74 Does not include the gift $11000.
92300185724 XX XX Qualifying Total Reserves Number of Months 3.57 12.00 Assets as documented in the loan file.
92300185724 XX XX Total Qualified Assets Available 35719.74 15453.13 Assets as documented in the loan file.
92300185790 XX XX Borrower 1 Total Years Employment/Self-Employment Verified 24+ Months 35 Per loan approval 
92300185790 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Per loan approval 
92300185790 XX XX Qualifying Total Reserves Number of Months 16.41 13.00 Per asset statements
92300185790 XX XX Total Liquid Assets Available For Close 263859.49 263859.48 Rounding 
92300185790 XX XX Total Qualified Assets Available 263859.49 1523859.48 Per asset statements minus reserves 
92300185790 XX XX Qualifying Total Monthly Liabilities 16462.7 16458.51 Per liabilities from credit report
92300185726 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Per Loan Approval
92300185726 XX XX Qualifying FICO 764 758 Per credit file for primary wage earner
92300185726 XX XX Total Qualified Assets Available 222754.53 1264280.53 Per asset documentation
92300185726 XX XX Qualifying Total Reserves Number of Months 25.67 30.00 Per asset documentation and housing expense
92300185726 XX XX Total Liquid Assets Available For Close 222754.53 262843.33 Per asset documentation
92300185726 XX XX Qualifying Total Monthly Liabilities 11931.06 12005.06 Per liability documentation
92300185726 XX XX Borrower Appraisal Receipt Date XX XX Per Appraisal Receipt disclosure
92300185787 XX XX Qualifying Total Reserves Number of Months 19.58 18.00 Reserves verified.
92300185787 XX XX Total Qualified Assets Available 279126.96 286166.96 Assets verified.
92300185787 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date verified
92300185815 XX XX Originator Doc Type Debt Service Coverage Ratio Other Per approval
92300185815 XX XX Total Qualified Assets Available 99961.09 504651.09 Per asset docs
92300185815 XX XX Total Liquid Assets Available For Close 99961.09 99651.09 Per asset docs
92300185815 XX XX Qualifying Total Reserves Number of Months 7.1 13.00 Per asset docs
92300185815 XX XX Qualifying Total Monthly Liabilities 771 1808.46 Per credit docs  
92300185815 XX XX Borrower Appraisal Receipt Date XX XX Per appraisal receipt
92300187774 XX XX Originator Doc Type 1YR Full Doc ALT DOC Per loan approval 
92300187774 XX XX Total Liquid Assets Available For Close 256527.76 254795.50 Per asset statements
92300187774 XX XX Qualifying Total Reserves Number of Months 171.31 20.00 Per asset statements
92300187774 XX XX Total Qualified Assets Available 256527.76 446795.50 Per asset statements minus reserves
92300187774 XX XX Qualifying Total Monthly Liabilities 2126.46 1764.46 Per liabilities from credit report and $362 difference in primary expenses
92300187762 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Doc type selected from drop down.
92300187762 XX XX Borrower 1 Total Years Employment/Self-Employment Verified 12-23 Months Less than 12 Months Years of employment verified.
92300187762 XX XX Cash out Include Debt Paid at Close 770548.54 121818.46 Cash out verified from final CD.
92300187762 XX XX Total Liquid Assets Available For Close 3429020.46 3185647.29 Liquid assets verified.
92300187762 XX XX Total Qualified Assets Available 3429020.46 11436118.00 Assets verified via asset docs.
92300187762 XX XX Qualifying Total Reserves Number of Months 117.67 109.00 Reserves verified.
92300187762 XX XX Qualifying Total Monthly Liabilities 39280.36 39375.19 Liabilities verified.
92300187762 XX XX Borrower Appraisal Receipt Date XX XX Appraisal date verified.
92300187796 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Per loan approval 
92300187796 XX XX Total Qualified Assets Available 40859.87 43859.87 Per asset statements minus reserves
92300187796 XX XX Qualifying Total Reserves Number of Months 3.78 12.00 Per asset statements minus reserves
92300187796 XX XX Borrower Appraisal Receipt Date XX XX Per desk review
92400186338 XX   Citizen Types US Citizen Non Permanent Resident Alien 1008 and License reflect US Citizen 
92400186057 XX   Qualifying Value XX XX Taking the lower value of $XX from appraisal review 
92400186690 XX   T & I Payment $482.68 $492.00  $185.76 taxes + $198.00 HOA + $98.92 insurance = $482.68 TIA
92010186087 XX   Property Address XX XX Appraisal reflects XXX
92010186087 XX   City XX XX Appraisal Reflects XXX
92010186409 XX   DSCR 2.40 2.00 $4,250.00 gross rents / $1,769.34 PITIA = 2.40 DSCR
92010186465 XX   Interest Rate 7.124% 7.000% Interest rate 7.124% per Note in file
92010186465 XX   Qualifying Value XX XX Appraisal reflects $XX
92010186465 XX   DSCR 1.10 1.00 $2,220.00 gross rents / $2,017.33 PITIA = 1.10DSCR
92010187494 XX   DSCR 1.04 1.01 $3,245.00 gross rents / $3,116.34 PITIA = 1.04 SCR
92010187950 XX   T & I Payment $1,030.70 $1,076.00  $800.66 taxes + $275.08 insurance = $1,030.70 TIA
92300186645 XX   Prepayment Penalty 60 36 Note reflects 60 
92010184994 XX   DSCR 1.08 1 Missing insurance
92010184994 XX   T & I Payment $341.28 $468.00 Missing insurance
92010184330 XX   DSCR 1.3 1.39 Missing Insurance
92010184330 XX   T & I Payment $594.53 $479.00 Missing Insurance