EX-99.3 15 s137206_ex99-3sch2.htm SCHEDULE 2 - DATA COMPARE REPORT

Exhibit 99.3 Schedule 2

 

Data Compare

Run Date - 05/XX/2022 1:26:53 PM

Evolve Loan ID Customer Loan ID Seller Loan ID Field Label Bid Tape Field Value Field Value Comment
1273246 XX XX DSCR 1.880 1.780 Audited data verified with market rents / PITIA
1267106 XX XX DSCR 1.370 1.410 RENT: 2150.00/PIT: 1524.51=1.41
1281443 XX XX DSCR 1.310 1.510 Bid tape is 1.31. Audited value is 1.51. Gross Schedule Income is $2,200 divided by Monthly mortgage payment $_______
1274995 XX XX DSCR 1.510 1.320 Audited data verified with market rent / PITIA
1281451 XX XX DSCR 1.360 1.450 DSCR is calculated with the market rents from 1007 of $1,300 by the Principle, interest, taxes and insurance of $896.91 which equals 4.45.
1273224 XX XX DSCR 1.530 1.440 Audited data verified with market rent / PITIA
1281457 XX XX DSCR 1.460 1.380 verified with loan approval and appraisal
1281444 XX XX DSCR 1.670 1.770 Verified Gross Schedule Income is $978 x 12 divided by Monthly mortgage payment $553.47x 12 equals DSCR ratio 1.77%.
1263077 XX XX Qualifying Credit Score 804 788 Verified with Credit report borrower.
1281462 XX XX Qualifying Credit Score 722 695 Tape data is 722. Audited value is 695. Auditor used middle of three scores. Equifax  score is 703. Experian score is 688. Transunion score is 695
1264855 XX XX Qualifying Credit Score 670 0 Audited data is blank, Borrower's credit score of 670 verified with credit score.
1255044 XX XX Qualifying Credit Score 804 0 Qualifying Credit Score verified with credit report and captured in system
1263068 XX XX Qualifying Credit Score 804 788 788 is the lower of the 2 scores on the 05/XX/21 cbr
1263080 XX XX Qualifying Credit Score 804 0 Audited data is blank, verified borrower mid FICO of 788 with credit report.
1264858 XX XX Qualifying Credit Score 804 0 Credit report shows borrower's credit score as 788. 
1263055 XX XX Qualifying Credit Score 804 788 Audited data of 788 credit score is verified with the credit report.
1275003 XX XX Qualifying Credit Score 804 0 Qualifying Credit Score verified per credit report and captured in system
1273246 XX XX Qualifying Credit Score 804 0 Qualifying Credit Score verified with credit report and captured in system
1264857 XX XX Qualifying Credit Score 804 0 Audited data shows borrower's credit 788 per the credit report.
1263084 XX XX Qualifying Credit Score 804 0 Borrower's credit score of 788 verified with credit report. 
1267106 XX XX Qualifying Credit Score 804 0 VERIFIED 788 PER CBR
1263052 XX XX Qualifying Credit Score 804 788 788 entered per Credit Report
1281443 XX XX Qualifying Credit Score 804 788 Tape data is 804. Audited value is 788. Auditor used lowest of two scores. Equifax  score is 788. Experian score is 795
1274995 XX XX Qualifying Credit Score 787 0 Qualifying Credit Score verified with credit report and captured in system
1263090 XX XX Qualifying Credit Score 804 0 Borrower's credit score verified as 788 with credit report. 
1273230 XX XX Qualifying Credit Score 804 0 Qualifying Credit Score verified per credit report and captured in system
1273243 XX XX Qualifying Credit Score 804 0 Audited Data blank verified mid credit score of 788 with credit report.
1277957 XX XX Qualifying Credit Score 804 0 Qualifying Credit Score verified with credit report and captured in system
1281451 XX XX Qualifying Credit Score 804 788 Audited value is 788. Auditor used lowest of two scores. Equifax  score is 788. Experian score is 795. No Transunion score.
1273224 XX XX Qualifying Credit Score 804 0 Qualifying Credit Score verified with credit report and captured in system
1281457 XX XX Qualifying Credit Score 804 788 Bid tape shows 804 - verified 788 correct per credit report
1281459 XX XX Qualifying Credit Score 804 788 Bid tape shows 804 score - verified with expired credit report dated 5/XX/21
1281444 XX XX Qualifying Credit Score 804 788 Bid tape is not consistent with the credit report dated 05/XX/21. Audited dated of 788 and 795 Credit Score are verified by the credit report.