EX-99.1 6 exhibit991-5.htm EXHIBIT 99.1, SCHEDULE 5 - DATA COMPARE REPORT

Customer Loan ID
Data Field
Tape Data
Review Data
Tape Discrepancy Comments
201795101
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit verified consumer debt is lower
201795101
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312084450
Borrower First Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
312084450
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 XX% No Discrepancy
 
312084450
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXXX
Audit value: Audit Value Pulled From Note
 
312402159
Borrower First Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
312402159
CoBorrower First Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
312402159
FICO
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit value based on lender qualifying requirements
 
312402159
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312402159
Property City
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312145773
DTI
xx
xx
Summary: Incoming Value: XX
Audit Value: XX
Audit calculated income is lower
 
312131646
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Variance due to Consumer Debt Calculation
 
312131646
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312145773
Borrower Self Employed
Yes
No
Summary: Incoming Value: Yes
Audit Value: Audit value pulled from documents located in the loan file
 
312216411
DTI
xx
xx
Summary: Incoming Value: XX
Audit Value: XX
Audit calculated income is lower
312145773
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312295062
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
312295062
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312402159
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Calculated rental income from tax returns is higher
 
312295062
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
312295062
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312403881
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
312403881
Property County
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled from Mortgage/DOT
 
312451656
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
312451656
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800750822
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI is XX%  Audit used a more conservative figure for net rental income and subject PITI based on documentation in the loan file.
 
312620355
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit calculated income is lower
 
201839501
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Verified hazard insurance premium is higher
800734190
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Transaction is for 2nd home, verified primary housing payment is lower.
 
800745518
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit verified consumer debt from credit report is lower
 
201839501
Property County
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled from Mortgage/DOT
 
800751785
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit verified consumer debt is lower
800745518
FICO
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit value based on lender qualifying requirements
 
800745518
Property Type
PUD (Only for use with Single Family Detached Homes with PUD riders)
Single Family Detached (non PUD)
Summary: Incoming Value: PUD (Only for use with Single Family Detached Homes with PUD riders)
Audit Value: Audit Value Pulled From Appraisal
 
312585300
Borrower First Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
312227448
Borrower First Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
312227448
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312227448
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI is XX%. Audit used a more conservative figure for negative net rental income based on documentation in the loan file.
 
312227448
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
312070239
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
312464403
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI XX% - Difference due to calculation of income
 
312087366
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX All debts taken from credit report dated XX/XX/XXXX
 
Rounding
312589599
Property Type
Condo Low Rise (4 or fewer stories)
1 Family Attached
Summary: Incoming Value: Condo Low Rise (4 or fewer stories)
Audit Value: Audit Value Pulled From Appraisal
 
312126003
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Difference is due to rounding
312167931
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Rounding
201833366
Borrower Self Employed
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit value pulled from documents located in the loan file
 
312238020
DTI
X%
X%
Summary: Incoming Value:XX
Audit Value: XX
 
 Discrepancy is due to higher verified subject property taxes than reflected on AUS.
 
 
312536775
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312536775
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
312536775
Property Type
Single Family Detached (non PUD)
PUD (Only for use with Single Family Detached Homes with PUD riders)
Summary: Incoming Value: Single Family Detached (non PUD)
Audit Value: Audit Value Pulled From Appraisal
 
312076458
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI XX% - Difference due to calculation of liabilities
 
800752076
Note Date
Per Tape
Per Data
Summary: Incoming Value: XX/XX/XXXX
Audit Value: Audit Value Pulled From Note
 
312656634
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312656634
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI XX% - Slight difference due to monthly hazard insurance premium
 
312656634
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
312357993
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Verified hazard insurance premium is lower
201878336
Property Type
1 Family Attached
Single Family Detached (non PUD)
Summary: Incoming Value: 1 Family Attached
Audit Value: Audit Value Pulled From Appraisal
 
800768633
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX DTI is within 0.01
 
312370581
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit verified 2nd home housing payment is lower
312370581
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312419820
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Verified 2nd home housing payment is higher
800749301
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800749301
Property County
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled from Mortgage/DOT
 
800749301
Property Type
PUD (Only for use with Single Family Detached Homes with PUD riders)
1 Family Attached
Summary: Incoming Value: PUD (Only for use with Single Family Detached Homes with PUD riders)
Audit Value: Audit Value Pulled From Appraisal
 
312461877
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit verified consumer debt is lower
201796682
Borrower Last Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
201796682
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312470706
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX .
 
Rounding
312501273
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit DTI matches 1008 and AUS in file
312637881
Borrower Last Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
312637881
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312637881
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
312567570
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312550479
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX .
 
Updated AUS with DTI of 27.30% was provided.  Discrepancy between audit DTI and new AUS DTI due to audit verified consumer debt is higher.
312588573
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312588573
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX All debts taken from credit report dated X/XX/XX
 
312588573
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
312279726
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI XX%. Lender included monthly hazard insurance in the amount of $XXX.XX, however the correct monthly hazard insurance is $XXX.XX resulting in a DTI of XX%.
 
201839864
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX All debts taken from credit report dated XX/XX/XXXX
 
201839864
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
201839864
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312550482
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Verified property taxes are higher
312557343
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
 
 
NOTE:  Updated Approve/Eligible AUS with DTI of 45.47% was provided.  Discrepancy on revised DTI is due to lower audit calculated bonus income.
312560895
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX%
Audit used a slightly lower income than the lender
800753648
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312565506
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Verified subject property taxes and HOA fees are lower
 
312733455
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Lender included auth user acct for $XX/month in DTI
 
312733455
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312260097
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312574956
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
 
800755670
Note Date
Per Tape
Per Data
Summary: Incoming Value: XX/XX/XXXX
Audit Value: Audit Value Pulled From Note
 
800755670
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800755670
Property Type
Condo Low Rise (4 or fewer stories)
Condo High Rise (5+ stories)
Summary: Incoming Value: Condo Low Rise (4 or fewer stories)
Audit Value: Audit Value Pulled From Appraisal
 
312589644
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: 32.39
Audit DTI matches 1008 and AUS in file
312709821
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: 41.44 DTI is within Tolerance. Audited debts were $270.39 higher than Lender stated.
 
312598542
DTI
xx
xx
Summary: Incoming Value:36.95
Audit Value: 36.86
Verified hazard insurance premium is lower
201822581
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312607449
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: 41.89 Di within tolerance
 
Lender used lower HOI premium from prior year's policy.
312610776
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: 36.67 All debts taken from credit report dated XX/XX/XXXX
 
Tape DTI is from 1008.  DU DTI matches audit DTI of 37.11%.
800727731
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800727731
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312616257
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Audit <lenders based on 2 yr avg of commission and bonus income
 
Audit used lower income than the lender.
312620358
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Rounding
312728985
Note Date
Per Tape
Per Data
Summary: Incoming Value: XX/XX/XXXX
Audit Value: Audit Value Pulled From Note
 
312728985
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312728985
Property Type
Single Family Detached (non PUD)
PUD (Only for use with Single Family Detached Homes with PUD riders)
Summary: Incoming Value: Single Family Detached (non PUD)
Audit Value: Audit Value Pulled From Appraisal
 
800767931
Borrower Self Employed
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit value pulled from documents located in the loan file
 
800767931
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
Tape value is LTV, lender did not include HELOC balance in CLTV calculations
312637788
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Lender used a lower HOA payment than listed on the condo questionnaire
201567956
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312608967
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312608967
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Audit DTI is the same as Lender DTI
 
312608967
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
312235227
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Audit used more conservative net rental income from documentation in file.
 
312235227
Property Type
PUD (Only for use with Single Family Detached Homes with PUD riders)
Single Family Detached (non PUD)
Summary: Incoming Value: PUD (Only for use with Single Family Detached Homes with PUD riders)
Audit Value: Audit Value Pulled From Appraisal
 
312650961
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX% Di within tolerance
 
The lender used higher income and lower HOI.
201861845
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800753903
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312494028
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312550479
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312655872
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
1008 DTI XX%; DU DTI XX%.  Audit DTI matches AUS. Tape DTI is from 1008 which included the mortgage on rental property twice - in consumer debt and in REO
312550479
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
312437031
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX All debts taken from credit report dated XX/XX/XXXX
 
201841004
Note Date
Per Tape
Per Data
Summary: Incoming Value: XX/XXX/XXXX
Audit Value: Audit Value Pulled From Note
 
312751527
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312663060
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
312685614
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX .
 
The lender included a payment of $X,XXX from a closed Auto lease.
201808679
Borrower First Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
312690678
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
201808679
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312709719
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX n/a
 
Lender used higher consumer debts than audit.
312690678
Property Type
1 Family Attached
Single Family Detached (non PUD)
Summary: Incoming Value: 1 Family Attached
Audit Value: Audit Value Pulled From Appraisal
 
201883886
Borrower Self Employed
No
Yes
Summary: Incoming Value: No
Audit Value: Audit value pulled from documents located in the loan file
 
312715503
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Lender included auto loan payment twice.
 
312718875
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Verified hazard insurance premium is lower
312726069
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX AUS DTI = XX%
 
 
 
312663060
Borrower Self Employed
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit value pulled from documents located in the loan file
 
312728463
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit DTI matches AUS DTI in file
201803309
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
201803309
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Audit DTI lower due to income calculation
 
201803309
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312126114
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX DTI within tolerance
 
312728985
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit used income reflected on final signed 1003 which is higher than income on AUS
201898193
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX No discrepancy
 
201898193
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312739836
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Audit DTI matches Lender DTI
 
Rounding
201865334
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
312582192
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX All debts taken from credit report dated X/XX/XXXX
 
312582192
Property Type
PUD (Only for use with Single Family Detached Homes with PUD riders)
Single Family Detached (non PUD)
Summary: Incoming Value: PUD (Only for use with Single Family Detached Homes with PUD riders)
Audit Value: Audit Value Pulled From Appraisal
 
312565506
Borrower Last Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
312745527
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Lender used slightly higher consumer debts.
312757203
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX All debts taken from credit report dated XX/XX/XXXX
 
Rounding
312901416
Borrower Last Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: XXX
Correct per Note
312776940
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Rounding
312806100
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX No discrepancy. XX matches
 
Rounding
 
312597633
CoBorrower Last Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: XXX
Correct per Note
312813579
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
 
Audit used slightly lower income than the lender.
312824061
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
 
Discrepancy due to lower verified HOA fees.
201871730
Borrower Last Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
201871730
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
312858750
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Rounding
312860025
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Lender used a P&I payment $XX lower than stated on the note.
201685643
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
201586868
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Lender used higher HOA dues than listed on appraisal.
201837149
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI XX%. Lender used an incorrect P&I payment and estimated taxes and insurance figures. Audit used actual figures based on documentation in the loan file.
 
201802400
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit calculated income is lower and verified consumer debt is higher.
201808679
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Subject transaction is for a second home.  Verified primary housing payment is higher.
201882173
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
201882173
Property Type
Condo High Rise (5+ stories)
Condo Low Rise (4 or fewer stories)
Summary: Incoming Value: Condo High Rise (5+ stories)
Audit Value: Audit Value Pulled From Appraisal
 
201814451
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit did not include payment on debts paid off at closing
201823988
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX.
 
The lender used higher income and did not have rental loss.
201833366
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit calculated borrower income is lower
201842216
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX .
 
The lender used a lower HOI premium than listed.
 
201843428
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX All debts taken from credit report dated XX/XX/XXXX
 
Rounding
 
201843428
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
201890603
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
201847664
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX n/a
 
Rounding
201890603
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
201854075
Borrower Self Employed
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit value pulled from documents located in the loan file
 
201854075
Property Zip
Per Tape
Per Data
Summary: Incoming value: XXXX
Audit value: Audit Value Pulled From Note
 
201861845
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI XX%
Audit calculated rental loss per tax returns is lower than lender's
201862562
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit DTI matches 1008 and AUS in file
201865334
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
201871730
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
 
Rounding
 
201878954
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
312650961
Borrower Last Name
Per Tape
Per Data
Summary: Incoming Value: XXXX
Audit Value: Audit Value Pulled From Note
 
201878336
DTI
xx
xx
Summary: Incoming Value: XX
Audit Value: XX
Audit verified consumer debt is lower
 
201879683
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit DTI matches 1008 in loan file
 
312669165
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Audit DTI matches Lender DTI
 
201882173
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
 
Lender used higher insurance payment.
 
201883886
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Verified consumer debt is lower  - audit did not include payment on debts paid at closing
201887072
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Rounding
201890603
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX All debts taken from credit report dated XX/XX/XXXX
 
The lender double counted the taxes and insurance of $XX.XX for the borrower's second home.  Per the mortgage statement, T&I are escrowed.
 
800655929
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX.
Verified subject property taxes are higher
 
312214236
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
Rounding
312214236
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX 1008 DTI XX%. Audit DTI based on actual figures based on documentation in the loan file.
 
312214236
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
Rounding
312214236
Property County
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled from XXX
 
800691146
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX Audit < lender calculations
 
The lender qualifying using the co-borrower's YTD income, although it reflects a large increase from prior years'.  Audit used an average of the co-borrower's YTD+ XXXX+XXXX.  Also, the lender used lower liabilities than reflected on the credit report.
800727731
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit calculated a loss on the rental property while lender calculated positive income
312630567
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800729903
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Verified taxes on subject property is lower
 
800749301
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit calculated income is lower
312739836
Note Date
Per Tape
Per Data
Summary: Incoming Value: XX/XX/XXXX
Audit Value: Audit Value Pulled From Note
 
312659250
Note Date
Per Tape
Per Data
Summary: Incoming Value: XX/XX/XXXX
Audit Value: XX/XX/XXXX
Correct per Note
800783999
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: XXXXXX
Changed to XXXXXX - address as reflected on Note
800756690
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800756690
Property Type
Condo Low Rise (4 or fewer stories)
Condo High Rise (5+ stories)
Summary: Incoming Value: Condo Low Rise (4 or fewer stories)
Audit Value: Audit Value Pulled From Appraisal
 
800755937
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800761967
CLTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st + 2nd liens / Value XX
 
Rounding
800753648
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Verified 2nd home housing payment is lower
800761967
LTV
xx
xx
Summary: Incoming Value: XX
Audit Value: Audit Value of 1st lien / Value XX
 
800754869
DTI
xx
xx
Summary: Incoming Value:XX %
Audit Value:XX %
Rounding of income
800755670
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX DTI
 
 Discrepancy due to audit verified debt is lower (lender counted one debt twice).
 
800761967
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
 
Audit used higher REO income than listed on the 1008, but lower than listed on the final 1003.
800763791
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
201597959
Property Address
Per Tape
Per Data
Summary: Incoming Value: XXXXXX
Audit Value: Audit Value Pulled From Note
 
800763791
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX .
 
Per DU, the lender's DTI was 34.91%.  Audit used higher liabilities than lender.
 
800767931
DTI
xx
xx
Summary: Incoming Value:XX
Audit Value: XX
Audit verified consumer debt is higher
 
201870779
Borrower Self Employed
No
Yes
Summary: Incoming Value: No
Audit Value: Audit value pulled from documents located in the loan file
 
312560895
Property Type
Single Family Detached (non PUD)
PUD (Only for use with Single Family Detached Homes with PUD riders)
Summary: Incoming Value: Single Family Detached (non PUD)
Audit Value:PUD (Only for use with Single Family Detached Homes with PUD riders)
Per Fraud Report, the property is a PUD, and HOA fees are present.