EX-99.8 9 t1601758_ex99-8.htm EXHIBIT 99.8

 

EXHIBIT 99.8

 

amc loan level data compare

 

 

 

 

 

 

Data Compare        
Run Date - 7/7/2016 8:47:03 PM        

 

AMC Loan ID Customer Loan ID Seller Loan ID Field Label Bid Tape Field Value Field Value Compare Status Comment
XXXXX 353697829 XXXXX # of Units 5 1 Verified Per Security Instrument and Valuation number of units is 1
XXXXX 353688892 XXXXX Amortization Type   Fixed Verified Tape deficiency.
XXXXX 353635383 XXXXX Amortization Type   Fixed Verified Tape deficiency.
XXXXX 353648546 XXXXX Amortization Type   Fixed Verified Tape deficiency. Verified Note - Type is Fixed
XXXXX 353648596 XXXXX Amortization Type   Fixed Verified Tape deficiency. Verified per note.
XXXXX 353674182 XXXXX Amortization Type   Fixed Verified Tape deficiency. Verified per note.
XXXXX 353648596 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified verified per appraisal, tape reflects purchase price.
XXXXX 353697829 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal value is XXXXXXXXX
XXXXX 353760655 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified verified per appraisal.
XXXXX 353742368 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal and CDA appraised value is XXXXXXXXX
XXXXX 353684257 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal value is XXXXXXXXX
XXXXX 353635383 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per appraisal, appears appraisal additional comps provided that updated to lower value
XXXXX 353637774 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per appraisal, tape data is sales price
XXXXX 353648912 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified verified per appraisal
XXXXX 353758046 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per appraisal report, Value is XXXXXXXXX
XXXXX 353760644 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal value is XXXXXXXXX
XXXXX 353694742 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per appraisal value is XXXXXXXXX, tape reflects sales price.
XXXXX 353692346 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal value is XXXXXXXXX
XXXXX 353677445 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal and Desk Review value is XXXXXXXXX
XXXXX 353636191 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal, value is XXXXXXXXX tape data is from original lock prior to appraisal
XXXXX 353768026 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per appraisal report, Value of XXXXXXXXX
XXXXX 353707433 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal value is XXXXXXXXX
XXXXX 353688892 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified verified per appraisal, tape reflects sales price.
XXXXX 353688073 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per appraisal value is XXXXXXXXX
XXXXX 353700620 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Verified with appraisal.
XXXXX 353760645 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Verified per appraisal.
XXXXX 353758635 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Purchase price vs appraised value.
XXXXX 353700183 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Verified per appraisal, tape reflects desk review value.
XXXXX 353758043 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Appraised and CDA value is XXXXXXXXX
XXXXX 353680878 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal value is XXXXXXXXX
XXXXX 353708418 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal value is XXXXXXXXX
XXXXX 353692584 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Verified per appraisal and CDA, value is XXXXXXXXX
XXXXX 353686926 XXXXX Appraised Value XXXXXXXXX XXXXXXXXX Verified Per Appraisal value is XXXXXXXXX
XXXXX 353740815 XXXXX Borrower First Name XXXXXXXXX XXXXXXXXX Verified Per Note and Mortgage, borrower goes by XXXXXXXXX
XXXXX 353680878 XXXXX Borrower First Name XXXXXXXXX XXXXXXXXX Verified Per documents in file Borrowers first name is XXXXXXXXX
XXXXX 353758635 XXXXX Borrower SSN   XXXXXXXXX Verified Tape deficiency.
XXXXX 353760645 XXXXX Borrower SSN   XXXXXXXXX Verified Tape deficiency.
XXXXX 353760655 XXXXX Borrower SSN   XXXXXXXXX Verified Tape deficiency.
XXXXX 353680878 XXXXX City XXXXXXXXX XXXXXXXXX Verified Per documents in file City is XXXXXXXXX
XXXXX 353697829 XXXXX Contract Sales Price XXXXXXXXX   Verified  

 

 

 

 

 

 

Data Compare        
Run Date - 7/7/2016 8:47:03 PM        

 

AMC Loan ID Customer Loan ID Seller Loan ID Field Label Bid Tape Field Value Field Value Compare Status Comment
XXXXX 353760655 XXXXX Contract Sales Price XXXXXXXXX XXXXXXXXX Verified verified per CD.
XXXXX 353648912 XXXXX Contract Sales Price XXXXXXXXX   Verified  
XXXXX 353677445 XXXXX Contract Sales Price XXXXXXXXX XXXXXXXXX Verified Per CD price is XXXXXXXXX
XXXXX 353677771 XXXXX Contract Sales Price XXXXXXXXX   Verified verified refinance per 1008
XXXXX 353760645 XXXXX Contract Sales Price XXXXXXXXX XXXXXXXXX Verified Verified per CD in file.
XXXXX 353702191 XXXXX Contract Sales Price   XXXXXXXXX Verified Tape deficiency.
XXXXX 353709540 XXXXX Contract Sales Price   XXXXXXXXX Verified Tape deficiency.
XXXXX 353637774 XXXXX Contract Sales Price   XXXXXXXXX Verified Tape deficiency.
XXXXX 353648596 XXXXX Contract Sales Price   XXXXXXXXX Verified Tape deficiency. Verified per Closing Disclosure and Purchase Contract.
XXXXX 353636191 XXXXX Original CLTV 27.27 32.34 Verified Per Appraisal/Note CLTV is 32.34, tape is based on original lock data
XXXXX 353677771 XXXXX Original CLTV 41.67 49.51 Verified Verified 50% per 1008
XXXXX 353694742 XXXXX Original CLTV 50 51.79 Verified  
XXXXX 353760644 XXXXX Original CLTV 55.07 50.13 Verified  
XXXXX 353692346 XXXXX Original CLTV 57.08 54.36 Verified Per documents in file CLTV is 54.36%
XXXXX 353648912 XXXXX Original CLTV 57.93 46.61 Verified verified per appraised value and loan amount
XXXXX 353697829 XXXXX Original CLTV 59.22 56.4 Verified  
XXXXX 353685846 XXXXX Original CLTV 60 63.7 Verified verified per 1008, CLTV is 63.699%
XXXXX 353758046 XXXXX Original CLTV 64.29 57.14 Verified Verified AUS has 58% CLTV
XXXXX 353677445 XXXXX Original CLTV 64.91 61.85 Verified  
XXXXX 353709540 XXXXX Original CLTV 65 62.78 Verified Per 1008 CLTV is 62.78%
XXXXX 353692584 XXXXX Original CLTV 69.83 75 Verified Verified per 1008/Approval and calculations, LTV is 75%
XXXXX 353744786 XXXXX Original CLTV 72.52 70.53 Verified Per approval documentation, CLTV 71%
XXXXX 353674182 XXXXX Original CLTV 80 73.81 Verified verified per 1008
XXXXX 353758577 XXXXX Original Interest Rate 4.375 4.125 Verified Per note in file.
XXXXX 353677771 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note loan amount is XXXXXXXXX
XXXXX 353677445 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note amount is XXXXXXXXX
XXXXX 353636191 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note Loan Amount is XXXXXXXXX, tape data is based on original lock
XXXXX 353744786 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note and Mortgage, Loan amount is XXXXXXXXX
XXXXX 353702191 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note loan amount is XXXXXXXXX
XXXXX 353760645 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Verified per note in file.
XXXXX 353680878 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note loan amount is XXXXXXXXX
XXXXX 353692584 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Verified per Note, 1008, Approval - Loan Amount is XXXXXXXXX
XXXXX 353685846 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note loan amount is $XXXXXXXXX
XXXXX 353709540 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note loan amount is XXXXXXXXX
XXXXX 353648912 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified verified per closing disclosure
XXXXX 353758046 XXXXX Original Loan Amount XXXXXXXXX XXXXXXXXX Verified Per Note and all other documents, loan amount is XXXXXXXXX
XXXXX 353636191 XXXXX Original LTV 27.27 32.34 Verified Per Appraisal/Note LTV is 32.34, tape data is based on original lock
XXXXX 353677771 XXXXX Original LTV 27.78 22.22 Verified Verified 22.22% per 1008
XXXXX 353694742 XXXXX Original LTV 50 51.79 Verified  
XXXXX 353760644 XXXXX Original LTV 55.07 50.13 Verified  

 

 

 

 

 

 

Data Compare        
Run Date - 7/7/2016 8:47:03 PM        

 

AMC Loan ID Customer Loan ID Seller Loan ID Field Label Bid Tape Field Value Field Value Compare Status Comment
XXXXX 353692346 XXXXX Original LTV 57.08 54.36 Verified Per documents in file LTV is 54.36%
XXXXX 353648912 XXXXX Original LTV 57.93 46.61 Verified verified per appraised value and loan amount
XXXXX 353697829 XXXXX Original LTV 59.22 56.4 Verified  
XXXXX 353685846 XXXXX Original LTV 60 63.7 Verified verified per 1008, LTV is 63.699%
XXXXX 353758046 XXXXX Original LTV 64.29 57.14 Verified Verified AUS has 58% LTV
XXXXX 353677445 XXXXX Original LTV 64.91 61.85 Verified  
XXXXX 353709540 XXXXX Original LTV 65 62.78 Verified Per 1008 LTV is 62.78%
XXXXX 353692584 XXXXX Original LTV 69.83 75 Verified Verified per 1008/Approval and calculations, CLTV is 75%
XXXXX 353744786 XXXXX Original LTV 72.52 70.53 Verified Per approval documentation, LTV 71%
XXXXX 353674182 XXXXX Original LTV 75 73.81 Verified verified per 1008
XXXXX 353763235 XXXXX Property Type PUD PUD Attached Verified  
XXXXX 353648546 XXXXX Property Type Single Family PUD Verified Verified Appraisal and Security Instrument - Type is PUD
XXXXX 353664059 XXXXX Property Type Single Family PUD Verified Per Appraisal property is a PUD
XXXXX 353686926 XXXXX Property Type Single Family PUD Verified Per Appraisal property is a PUD
XXXXX 353726498 XXXXX Property Type Single Family PUD Verified Per Appraisal property is a PUD
XXXXX 353708061 XXXXX Property Type Single Family PUD Verified Per Appraisal property is a PUD
XXXXX 353747275 XXXXX Property Type Single Family PUD Verified Per Appraisal property is a PUD
XXXXX 353709603 XXXXX Property Type Single Family PUD Verified Per Appraisal property type is PUD
XXXXX 353788371 XXXXX Property Type Single Family PUD Verified Per Appraisal property is a PUD
XXXXX 353758043 XXXXX Property Type Single Family PUD Verified Property as per Appraisal and Mtg is a PUD with PUD rider in file
XXXXX 353750824 XXXXX Property Type Single Family Detached PUD Verified  
XXXXX 353677445 XXXXX Property Type Single Family Detached PUD Verified Per Appraisal property is a PUD
XXXXX 353702191 XXXXX Property Type Single Family Detached PUD Attached Verified Per Appraisal property is a Townhouse
XXXXX 353692584 XXXXX Property Type Single Family Detached PUD Verified Verified per Appraisal and Security Instrument, property is a PUD.
XXXXX 353708418 XXXXX Property Type Single Family Detached PUD Verified Per Appraisal property is a PUD
XXXXX 353778682 XXXXX Property Type Single Family Detached PUD Verified Property is a PUD with HOA, Mtg has PUD rider attached
XXXXX 353758635 XXXXX Property Type Single Family Detached PUD Verified PUD per appraisal
XXXXX 353760655 XXXXX Property Type Single Family Detached PUD Verified verified per appraisal and PUD Rider
XXXXX 353758577 XXXXX Property Type Single Family Detached PUD Verified Verified per appraisal .
XXXXX 353664059 XXXXX Refi Purpose Cash-out Rate/Term Verified Per Closing Disclosure
XXXXX 353648912 XXXXX Refi Purpose Rate/Term Limited Cash-out GSE Verified verified per closing disclosure
XXXXX 353740815 XXXXX Representative FICO XXXXXXXXX XXXXXXXXX Verified Per credit report, FICO XXXXXXXXX
XXXXX 353674182 XXXXX Representative FICO XXXXXXXXX XXXXXXXXX Verified verified per credit report.
XXXXX 353709603 XXXXX Representative FICO XXXXXXXXX XXXXXXXXX Verified Per CBR FICO is XXXXXXXXX
XXXXX 353635383 XXXXX Representative FICO XXXXXXXXX XXXXXXXXX Verified Per credit report in file
XXXXX 353677771 XXXXX Representative FICO XXXXXXXXX XXXXXXXXX Verified Per CBR XXXXXXXXX is the lowest of the mid scores
XXXXX 353636191 XXXXX Representative FICO XXXXXXXXX XXXXXXXXX Verified Per CBR FICO is XXXXXXXXX, tape data appears to be from original rate lock and an expired credit report
XXXXX 353677445 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353692346 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353700183 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.

 

 

 

 

 

 

Data Compare        
Run Date - 7/7/2016 8:47:03 PM        

 

AMC Loan ID Customer Loan ID Seller Loan ID Field Label Bid Tape Field Value Field Value Compare Status Comment
XXXXX 353709540 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353692584 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353707433 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353747293 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353744786 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353758635 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353760645 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353758046 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353747275 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353708418 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353742368 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353788371 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353778682 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency. Borrower mid score is 754.
XXXXX 353767429 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency. Per credit scores, FICO is 763
XXXXX 353750824 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353758043 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency. Qualifed score is 726.
XXXXX 353760655 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353758577 XXXXX Representative FICO   XXXXXXXXX Verified Tape deficiency.
XXXXX 353664059 XXXXX Street XXXXXXXXX XXXXXXXXX Verified verified per Note
XXXXX 353648546 XXXXX Street XXXXXXXXX XXXXXXXXX Verified Verified Appraisal - Street is XXXXXXXXX
XXXXX 353767429 XXXXX Street XXXXXXXXX XXXXXXXXX Verified Per Note, Street is XXXXXXXXX
XXXXX 353685846 XXXXX Total Debt Ratio 12.965 16.27798 Verified Verified DTI is 16.367% per 1008
XXXXX 353697829 XXXXX Total Debt Ratio 13.674 21.58142 Verified Not considering Co-Borrower's commission income.  File is missing required VOE.
XXXXX 353686926 XXXXX Total Debt Ratio 13.977 28.5266 Verified per 1008
XXXXX 353700183 XXXXX Total Debt Ratio 14.194 29.70769 Verified verified 29.68% per AUS
XXXXX 353684257 XXXXX Total Debt Ratio 14.738 34.73165 Verified Per 1008, DTI is 35.97
XXXXX 353702803 XXXXX Total Debt Ratio 18.87 22.48665 Verified 22.487 per 1008
XXXXX 353648912 XXXXX Total Debt Ratio 19.005 33.0072 Verified Base income used for borrower, averaged 2014,2013 schedule C for co-borrower minus debts reflected on the credit report and subject PITI.  No approval is in the file, unable to determine lender's calculations.
XXXXX 353675404 XXXXX Total Debt Ratio 19.116 24.71413 Verified Per income documents in file.
XXXXX 353702191 XXXXX Total Debt Ratio 20.11 25.19721 Verified 27 per 1008
XXXXX 353664059 XXXXX Total Debt Ratio 20.89 29.19038 Verified verified DTI 29.66% per 1008
XXXXX 353692346 XXXXX Total Debt Ratio 21.45 28.47552 Verified Per income documents in file Total DR is 30.21%
XXXXX 353758043 XXXXX Total Debt Ratio 21.53 39.53578 Verified PEr 1008 and income docs in file.
XXXXX 353760655 XXXXX Total Debt Ratio 24.23 33.51876 Verified Loan was approved at 33.15% DTI per 1008
XXXXX 353688073 XXXXX Total Debt Ratio 25.895 29.12962 Verified Per income documents in file Total DR is 29.12%
XXXXX 353686930 XXXXX Total Debt Ratio 26.855 42.91208 Verified Did not include Primary Borrower's income in DTI due to missing documentation for 2015.
XXXXX 353758635 XXXXX Total Debt Ratio 26.92 35.98654 Verified Per income docs in file.
XXXXX 353680878 XXXXX Total Debt Ratio 26.996 32.25875 Verified 1008 is 33%
XXXXX 353648596 XXXXX Total Debt Ratio 27.06 31.88182 Verified Taxes were first calculated at $556.07 monthly. Final calculations per Closing Disclosure is $117.04.
XXXXX 353742368 XXXXX Total Debt Ratio 27.149 41.9878 Verified Per income and debt documents in file, Total Debt Ratio is 40.12338%

 

 

 

 

 

 

Data Compare        
Run Date - 7/7/2016 8:47:03 PM        

 

AMC Loan ID Customer Loan ID Seller Loan ID Field Label Bid Tape Field Value Field Value Compare Status Comment
XXXXX 353708061 XXXXX Total Debt Ratio 27.352 29.64717 Verified  
XXXXX 353635383 XXXXX Total Debt Ratio 30 34.99249 Verified 1008 has 33.98% DTI, lender used estimated AMEX pmts versus 5%, no verification in file
XXXXX 353697828 XXXXX Total Debt Ratio 30 36.89883 Verified Verified with income/debts.
XXXXX 353758046 XXXXX Total Debt Ratio 30 36.83401 Verified AUS has DTI of 36.83%
XXXXX 353758577 XXXXX Total Debt Ratio 30 42.02555 Verified Per income documentation in file.
XXXXX 353677771 XXXXX Total Debt Ratio 30.638 41.83355 Verified Verified DTI 38.789% per 1008
XXXXX 353694742 XXXXX Total Debt Ratio 31.09 35.77111 Verified 37.52 per 1008
XXXXX 353703451 XXXXX Total Debt Ratio 33.83 26.52869 Verified Using income documents in file and including previous property that is pending sale, Total DR is 26.52%
XXXXX 353740815 XXXXX Total Debt Ratio 35.01 21.31686 Verified Per calculations and 1008, DTI 21.31%
XXXXX 353709603 XXXXX Total Debt Ratio 35.678 39.32698 Verified per 1008, verified
XXXXX 353637774 XXXXX Total Debt Ratio 35.81 38.31473 Verified Per 1008 DTI 42.09%, audit used slightly higher income for co-borrower and slightly lower income for borrower.  Unable to determine tape data source.
XXXXX 353747275 XXXXX Total Debt Ratio 37 33.20989 Verified Lender calculated taxes at $874.58 on 1008, however Final CD reflects $433.40.
XXXXX 353788338 XXXXX Total Debt Ratio 37.99 33.90592 Verified Per my calculation, DTI of 33.9 was what i came up with.
XXXXX 353685096 XXXXX Total Debt Ratio 40 37.94407 Verified Verified per approval in file
XXXXX 353700620 XXXXX Total Debt Ratio 41.734 36.08832 Verified Verified with loan summary.  Less than 3%.
XXXXX 353684256 XXXXX Total Debt Ratio 42.453 40.31761 Verified  
XXXXX 353680878 XXXXX Zip XXXXXXXXX XXXXXXXXX Verified Per documents in file Zip is XXXXXXXXX