EX-99.37 38 ex99-37.htm IB DATA COMPARISON
 

Angel Oak Mortgage Trust I, LLC ABS-15G

Exhibit 99.37

 

Loan Number (Selling Lender) Loan Number (Purchasing Lender) Data Field Tape Data IB Review Value Discrepancy Comments
XXX 2024130635 Property Type XXX - Detached XXX - Attached Attached XXX per the appraisal (pg 217).
XXX 2024130635 Loan Type Conventional Non-QM Non-QM per scope. 
XXX 2024130635 Total Debt to Income Ratio XXX% XXX% Variance of XXX% due to lender using debt payments (pg 16) which are not supported by credit report (XXX). Non material variance. 
XXX 2024130635 U/W Doc Type XXX Month XXX XXX Month P&L Per 1008 (pg 12) and lock (pg 216) subject is XXX month XXX. 
XXX 2024130624 Loan Type Conventional Non-QM Loan is verified as Non-QM.
XXX 2024130624 Total Debt to Income Ratio XXX% XXX% Variance is due to rounding.
XXX 2024130624 U/W Doc Type Asset Utilization Full/Alternate Primary income source is full doc, but borrower was qualified with  asset utilization source of income.
XXX 2024130623 Loan Type Conventional Non-QM Subject loan is a non-QM Asset Depletion loan.
XXX 2024130623 Total Debt to Income Ratio XXX% XXX% Non material variance
XXX 2024130621 Loan Type Conventional Non-QM Subject is XXX.
XXX 2024130621 Loan Purpose Cash Out Refinance Rate and Term Refinance Review Loan Purpose is Rate/Term refinance. Borrower received minimal cash back (less than XXX% of loan amount) at closing. XXX reflects Limited Cash Out. Tape value is unknown. Lender 1008 reflects Limited Cash Out.  
XXX 2024130621 Total Debt to Income Ratio XXX% XXX% Review DTI is XXX%. Tape value is XXX%, thus no material variance. 
XXX 2024130621 U/W Doc Type Full Full/Alternate Income documentation requirements < XXX mos does not meet full doc definition.
XXX 2024130622 Loan Type Conventional Non-QM XXX using Alt documentation.
XXX 2024130622 Total Debt to Income Ratio XXX% XXX% Within XXX% tolerance.
XXX 2024130634 Loan Type Conventional Non-QM Subject is a non-QM DSCR loan.
XXX 2024130634 Total Debt to Income Ratio XXX% XXX% Source of tape is unknown, Subject is a DSCR loan, no DTI calculated.
XXX 2024130620 Loan Type Conventional Non-QM Per guidelines loan is a non-QM
XXX 2024130620 Total Debt to Income Ratio XXX% XXX% Non material variance.  Approved DTI is XXX% per 1008 p778, not XXX% as on the tape.
XXX 2024130662 Total Debt to Income Ratio XXX% XXX% Non material discrepancy.
XXX 2024130661 Total Debt to Income Ratio XXX% XXX% Non-material variance less than XXX%.