EX-99.10 11 ex99-10.htm CLARIFII DATA COMPARE REPORT
 

Angel Oak Mortgage Trust I, LLC ABS-15G

Exhibit 99.10

 

Loan ID Seller Loan ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
2024130457 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Audit matches 1008.
2024130518 XXX   XXX Refinance Type the1003Page XXX XXX Per guideline XXX delayed financing. 
2024130461 XXX XXX XXX Amount of Other Lien titlePage XXX XXX No other lien.
2024130288 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per audit & lender calc
2024130236 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Per audit, 1008 doesn't include XXX expenses
2024130399 XXX   XXX Lender Name notePage XXX XXX Per Note
2024130474 XXX XXX XXX Loan Type the1003Page XXX XXX per approval
2024130474 XXX XXX XXX Property Value propertyValuationPage XXX XXX Per appraisal
2024130474 XXX XXX XXX Number of Mortgaged Properties creditLiabilitiesPage XXX XXX Per 1003 and credit report
2024130468 XXX XXX XXX Loan Type the1003Page XXX XXX Per 1008
2024130468 XXX XXX XXX Number of Mortgaged Properties creditLiabilitiesPage XXX XXX Per Final 1003
2024130319 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Per credit report provided.
2024130314 XXX   XXX Interest Rate notePage XXX XXX Per Note
2024130314 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Per credit report
2024130523 XXX   XXX Interest Rate notePage XXX XXX per Note
2024130523 XXX   XXX Loan Amount notePage XXX XXX per Note
2024130523 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX per 1008
2024130523 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Audit in line with 1008
2024130625 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX in line with 1008 noted DSCR
2024130645 XXX   XXX Lender Name notePage XXX XXX Per Note
2024130645 XXX   XXX Borrower 1 First Name notePage XXX XXX Per Note
2024130645 XXX   XXX Property Value propertyValuationPage XXX XXX Per appraisal
2024130645 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Audit DTI based on Income/Debts on CR. No approval in file unable to confirm lender DTI. 
2024130292 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX primary wage earner mid
2024130292 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Lender did not factor in primary residence rent.
2024130480 XXX XXX XXX Amount of Other Lien titlePage XXX XXX Per 1008.
2024130480 XXX XXX XXX Number of Mortgaged Properties creditLiabilitiesPage XXX XXX per 1003 and credit report.
2024130482 XXX XXX XXX Loan Type the1003Page XXX XXX XXX per approval. 
2024130482 XXX XXX XXX Number of Units propertyValuationPage XXX XXX XXX unit property per appraisal. 
2024130482 XXX XXX XXX Application Date complianceDetailPage XXX XXX per Application 
2024130482 XXX XXX XXX Amount of Other Lien titlePage XXX XXX No second liens.
2024130506 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Used middle score per credit report.  per guides=The Representative Credit Score for a borrower is the middle score of XXX
FICO scores
2024130506 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX As per audit, matches lender calc
2024130417 XXX   XXX Interest Rate notePage XXX XXX per Note
2024130421 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX As per audit, Rent/PITIA  (lender calc differs) 
2024130426 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Audit matches lender DSCR notes
2024130477 XXX XXX XXX Application Date complianceDetailPage XXX XXX Per Initial 1003
2024130472 XXX XXX XXX Proposed Real Estate Taxes the1008Page XXX XXX Per CD
2024130472 XXX XXX XXX Proposed Housing Expense the1008Page XXX XXX Per audit
2024130472 XXX XXX XXX Number of Mortgaged Properties creditLiabilitiesPage XXX XXX Per review
2024130471 XXX XXX XXX Borrower 1 Other Income the1003Page XXX XXX Income is primary employment income
2024130471 XXX XXX XXX Application Date complianceDetailPage XXX XXX Per Initial 1003 provided.
2024130471 XXX XXX XXX Borrower 1 Self-Employment Flag employmentIncomePage XXX XXX Per Final 1003, 1008, and self employment income documents.
2024130465 XXX XXX XXX Loan Type the1003Page XXX XXX Per 1008 / Approval
2024130465 XXX XXX XXX Amount of Other Lien titlePage XXX XXX Per 1008
2024130479 XXX XXX XXX Loan Type the1003Page XXX XXX No income loan
2024130479 XXX XXX XXX Application Date complianceDetailPage XXX XXX per 1003
2024130479 XXX XXX XXX Number of Mortgaged Properties creditLiabilitiesPage XXX XXX Per audit
2024130570 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per 1007 / Final CD PITI
2024130466 XXX XXX XXX Loan Type the1003Page XXX XXX per 1008
2024130466 XXX XXX XXX Borrower 1 Has there been ownership in a property in last 3 yrs the1003Page XXX XXX per 1003
2024130466 XXX XXX XXX Number of Mortgaged Properties creditLiabilitiesPage XXX XXX Per 1003
2024130463 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Per Audit, aligns with lender 1008.
2024130312 XXX   XXX Interest Rate notePage XXX XXX per note
2024130436 XXX   XXX Loan Amount notePage XXX XXX Per Note.
2024130436 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per Lease Agreement / Final XXX on Final CD 
2024130522 XXX   XXX Property Address notePage XXX XXX per Note
2024130522 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Per 1008
2024130530 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Per 1008
2024130478 XXX XXX XXX Loan Type the1003Page XXX XXX per 1008
2024130478 XXX XXX XXX Property Value propertyValuationPage XXX XXX Per appraisal
2024130297 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Primary wage earner mid score
2024130422 XXX   XXX Interest Rate notePage XXX XXX As per audit, Note, etc 
2024130617 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Lender XXX higher than verified XXX
2024130462 XXX XXX XXX Loan Type the1003Page XXX XXX No income loan
2024130462 XXX XXX XXX Number of Mortgaged Properties creditLiabilitiesPage XXX XXX Per 1003
2024130487   XXX XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DSCR Loan / DTI does not apply. 
2024130458 XXX   XXX Property Type propertyValuationPage XXX XXX Per Appraisal. 
2024130458 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DTI matches 1008 in file.
2024130494 XXX   XXX Property Value propertyValuationPage XXX XXX per Appraisal
2024130494 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Per 1008.
2024130611 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Audit includes the corrected XXX monthly amount (Per final CD,1003) Tape &1008 reflect lender using XXX XXX amount.
2024130311 XXX   XXX Property Type propertyValuationPage XXX XXX As per audit, appraisal, etc 
2024130311 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX 1007 rents to documented XXX
2024130296 XXX   XXX Property City notePage XXX XXX Per Note, Mortgage and Title
2024130290 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX LTV matches 1008 in file
2024130402 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Per credit report,undisclosed debt added to the DTI.
2024130464 XXX XXX XXX Loan Type the1003Page XXX XXX Per approval DSCR. 
2024130464 XXX XXX XXX Amount of Other Lien titlePage XXX XXX No current addtional liens on property per title
2024130459 XXX XXX XXX Amount of Other Lien titlePage XXX XXX Subject lien only. No other liens
2024130459 XXX XXX XXX Number of Mortgaged Properties creditLiabilitiesPage XXX XXX From credit report 
2024130455 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX In line with ender DSCR calc.
2024130282 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender DSCR worksheet. 
2024130326 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Per credit report in file 
2024130326 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Lenders calculation matches the review calculation.
2024130416 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Per the credit report.
2024130445 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Per lender approval
2024130408 XXX   XXX Property Address notePage XXX XXX Per Note
2024130408 XXX   XXX Property City notePage XXX XXX See Note
2024130408 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Per appraisal and loan amount - matches 1008 in file. 
2024130646 XXX   XXX Loan Amount notePage XXX XXX Per Note
2024130646 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Per approval / 1008
2024130646 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per audit & lender calc. 
2024130305 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per 1008 lender calculated DSCR at XXX.
2024130320 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Reviewed value is the same as the lenders calculation.
2024130615 XXX   XXX Property Type propertyValuationPage XXX XXX  
2024130502 XXX   XXX Loan Amount notePage XXX XXX Per Note
2024130502 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Matches 1008
2024130514 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DTI is within XXX% of the 1008.
2024130524 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Audit in line with 1008
2024130449 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DTI is inline within 1008
2024130493 XXX   XXX Property Value propertyValuationPage XXX XXX As per audit, appraisal, etc 
2024130654 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DTI include additional debts as per credit refresh.
2024130284 XXX   XXX Lender Name notePage XXX XXX Per Note
2024130284 XXX   XXX Property Value propertyValuationPage XXX XXX Per appraisal 
2024130284 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DTI is in line with 1008.  
2024130306 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender calc.
2024130310 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX As per audit, matches lender calc 
2024130441 XXX   XXX Property City notePage XXX XXX Per Note
2024130441 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX True data DTI matches final 1008.
2024130446 XXX   XXX Property Type propertyValuationPage XXX XXX Per appraisal
2024130446 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Lender used incorrect lower tax amount
2024130485   XXX XXX Property Type propertyValuationPage XXX XXX Per 1008 and Appraisal
2024130485   XXX XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DSCR
2024130573   XXX XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Lender appears to have used B1 income at XXX% owner however they are only XXX% owner of the business.
2024130467 XXX XXX XXX Borrower 1 Any part of down payment borrowed? the1003Page XXX XXX Not a purchase.
2024130467 XXX XXX XXX Amount of Other Lien titlePage XXX XXX per 1008
2024130435 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender worksheet calculation.
2024130657 XXX   XXX Property Value propertyValuationPage XXX XXX Per appraisal 
2024130400 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Audit in line with lender calc.
2024130400 XXX   XXX Property Value bridgeAppraisalPage XXX XXX Per appraisal
2024130453 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Audit in line with income worksheet
2024130510 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX True data matches final 1008
2024130650 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per audit & lender calc. 
2024130298 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DTI matches lender's per 1008
2024130440 XXX   XXX Interest Rate notePage XXX XXX Per Note
2024130442 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Lender used higher market rent than reflected on 1007-per DSCR calc sheet in file
2024130569 XXX   XXX Property Type propertyValuationPage XXX XXX See appraisal
2024130569 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Per credit report
2024130569 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Matches lender calc per 1008
2024130618 XXX   XXX Loan Amount notePage XXX XXX per note
2024130653 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per 1025 market rents / PITI
2024130265 XXX   XXX Property Type propertyValuationPage XXX XXX Per title
2024130265 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Per loan amount / appraised value. 
2024130405 XXX   XXX Loan Amount notePage XXX XXX Per Note.
2024130405 XXX   XXX Occupancy the1003Page XXX XXX Per 1008
2024130405 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Audit in line with 1008
2024130405 XXX   XXX Qualifying CLTV propertyValuationPage XXX XXX Audit in line with 1008
2024130496 XXX   XXX Property Value propertyValuationPage XXX XXX Per 1008 / Appraisal
2024130496 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Per 1008
2024130497 XXX   XXX Property Type propertyValuationPage XXX XXX See appraisal
2024130497 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Lender used higher tax & insurance amount in DSCR calc
2024130531 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per audit, matches lender DSCR calculation
2024130614 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Primary wage earner mid fico per guidelines
2024130647 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per worksheet XXX
2024130633 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Audit matches Lender calc
2024130307 XXX   XXX Loan Amount notePage XXX XXX Per Note.
2024130307 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX w/in tolerance of lender's DTI per 1008
2024130303 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX As per audit, matches lender calculation
2024130619 XXX   XXX Property Type propertyValuationPage XXX XXX per appraisal
2024130619 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Highest mid, equal income
2024130276 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender worksheet
2024130275 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender calculation
2024130299 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Per 1008 / Approval
2024130299 XXX   XXX Property Type propertyValuationPage XXX XXX Per title and appraisal.
2024130299 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX DTI within XXX% of the 1008.
2024130271 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender worksheet
2024130279 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender worksheet
2024130286 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender worksheet. 
2024130313 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Reviewed value is the same as the lenders calculations
2024130396 XXX   XXX Loan Amount notePage XXX XXX See Note 
2024130396 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Matches lender calc per DSCR wksht
2024130406 XXX   XXX Note Date notePage XXX XXX per Note
2024130448 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Variance is due to lender used fully amortized payment.
2024130571 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Matches lender's per 1008
2024130568 XXX   XXX Loan Amount notePage XXX XXX Matches Note
2024130568 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Matches 1008 
2024130568 XXX   XXX Property Type propertyValuationPage XXX XXX Per Appraisal.
2024130568 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX See credit report
2024130568 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Matches lender's per 1008
2024130638 XXX   XXX Interest Rate notePage XXX XXX Per Note
2024130638 XXX   XXX Loan Amount notePage XXX XXX Per Note
2024130638 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Per 1008
2024130267 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender worksheet
2024130266 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender worksheet
2024130272 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Audit verified property taxes from tax information sheet.  Lender higher amount unsourced.    
2024130269 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Reviewed value is the same as the lenders calculation
2024130273 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender calculation
2024130572   XXX XXX Calculated DSCR diligenceFinalLookPage XXX XXX Market rent with XXX% of lease used & higher tax amount.
2024130420 XXX   XXX Property Address notePage XXX XXX As per audit, note, etc 
2024130420 XXX   XXX Interest Rate notePage XXX XXX As per audit, note, etc 
2024130289 XXX   XXX Interest Rate notePage XXX XXX per note
2024130289 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per XXXpayment
2024130500 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX True data more closely matches final 1008
2024130450 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender DSCR worksheet. 
2024130451 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX Per 1008.
2024130504 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Per lender DSCR worksheet. 
2024130492   XXX XXX Property Type propertyValuationPage XXX XXX Per 1008 and 1025 in file.
2024130278 XXX   XXX Property Type propertyValuationPage XXX XXX Per appraisal property is a XXX
2024130475 XXX   XXX Property Address notePage XXX XXX Per Note.
2024130454 XXX   XXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXX XXX With-in tolerance of 1008, tape source unknown.
2024130637 XXX   XXX Note Date notePage XXX XXX Per Note
2024130397 XXX   XXX Calculated DSCR diligenceFinalLookPage XXX XXX Lender used higher XXX for DSCR calc on 1008, tape source is unknown.
2024130609 XXX   XXX Qualifying FICO creditLiabilitiesPage XXX XXX Primary Wage Earner Score
2024130639 XXX   XXX Loan Amount notePage XXX XXX As per audit, Note 
2024130639 XXX   XXX Property Value propertyValuationPage XXX XXX As per audit, appraisal, 1003, etc 
2024130639 XXX   XXX Qualifying LTV propertyValuationPage XXX XXX Per 1008.
2024130639 XXX   XXX Qualifying CLTV propertyValuationPage XXX XXX  Per 1008.