EX-99.22 23 ex99-22.htm CLARIFII DATA COMPARE REPORT

 

EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.22

 

Loan ID Seller Loan ID Redaction ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
XXXXX   374819 XXXXX Loan Program businessPurposeApprovalandGuidelinePage XXXXX XXXXX Re-review per Client
XXXXX   374819 XXXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per 1004 in file.
XXXXX   378915 XXXXX Cash Disbursement Date finalCdDetailPage XXXXX XXXXX Per Final CD
XXXXX   378915 XXXXX Primary Appraised Property Value propertyValuationPage XXXXX XXXXX per Appraisal
XXXXX   378915 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 3276.47 3226.48 Per Final CD PITIA
XXXXX   378918 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Per Settlement Statement
XXXXX   378918 XXXXX Qualifying Total Reserves Number of Months assetPage 98.45 123.00 per asset statements
XXXXX   383804 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Cash Disbursement date confirmed on settlement statement 
XXXXX   385692 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Cash disbursement date confirmed on settlement statement.
XXXXX   385692 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 2732.81 2632.81 due to HOA dues per Appraisal.
XXXXX   386453 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Closing statement Missing. Unable to obtain accurate numbers and dates. used estimate in file.
XXXXX   386453 XXXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 14592.64 14528.41 Closing statement Missing. Unable to obtain accurate numbers and dates. used estimate in file. 
XXXXX   391349 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX disbursement date confirmed on Settlement statement.
XXXXX   391349 XXXXX Qualifying Total Reserves Number of Months assetPage 67 66.00 per assets provided
XXXXX   391351 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 3102.35 2939.81 tape data does not include HOA fee
XXXXX   391351 XXXXX Qualifying Total Reserves Number of Months assetPage 22.82 100.00 per assets provided
XXXXX   392677 XXXXX Qualifying FICO creditLiabilitiesPage 662 677 Per most recent credit report in file
XXXXX   392677 XXXXX Qualifying Total Reserves Number of Months assetPage 26.75 29.00 Per CD in file. 
XXXXX   392680 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX disbursement date confirmed on closing disclosure.
XXXXX   392680 XXXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 103156.11 103186.58 cash out/debt paid confirmed on closing disclosure.
XXXXX   392688 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 3654.13 3640.13 Per PITIA (tape excluded HOA)
XXXXX   393385 XXXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 44142.16 -229963.32 Per Alta statement
XXXXX   393385 XXXXX Qualifying Total Reserves Number of Months assetPage 15.25 15.00 per cash out
XXXXX   395026 XXXXX Borrower 1 SSN the1003Page XXXXX XXXXX Per 1003
XXXXX   395026 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1845.21 1789.79 Audit data includes HOA.
XXXXX   395028 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX per closing disclosure
XXXXX   395028 XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 48.83 45.95  Audit used higher REO payments.
XXXXX   395028 XXXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 4 2.93  Audit used higher REO payments.
XXXXX   396275 XXXXX Qualifying Total Reserves Number of Months assetPage 41.98 46.00 Per cash out proceeds from final settlement statement
XXXXX   396275 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 2037.84 1852.99 Per Note and verified property taxes and hoi on settlement statement.
XXXXX   396275 XXXXX Calculated DSCR diligenceFinalLookPage 1.681 1.84 Tape value does not include monthly school tax expense
XXXXX   396279 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX per final settlement statement
XXXXX   396792 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Per Settlement Statement.
XXXXX   396792 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 2631.77 1754.78 Tape exlcludes HOA.
XXXXX   396792 XXXXX Qualifying Total Reserves Number of Months assetPage 12.04 5.00 Per asset documentation provided.
XXXXX   396796 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Per Final CD
XXXXX   396796 XXXXX Qualifying FICO creditLiabilitiesPage 775 784 Lowest mid score.
XXXXX   396796 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 6452.57 5571.52 Per PITIA + land lease.
XXXXX   396796 XXXXX Qualifying Total Reserves Number of Months assetPage 16.64 18.00 Per assets
XXXXX   396796 XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 34.12 38.41 Audit calc lower debts
XXXXX   397526 XXXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 25695.76 25674.93 Per Settlement Statement
XXXXX   397526 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1044.39 791.39 tape payment does not include HOA
XXXXX   398747 XXXXX Qualifying Total Reserves Number of Months assetPage 25.66 27.00 per assets provide, also increased taxes per tax cert
XXXXX   398747 XXXXX Calculated DSCR diligenceFinalLookPage 0.784 0.83 increased taxes per tax cert which decreased DSCR
XXXXX   398911 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Per Settlement Statement
XXXXX   398915 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1537.32 1267.33 tape does not include HOA of $270.00
XXXXX   400653 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Per settlement statement 
XXXXX   400655 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 6087.91 6087.92 Flood Insurance is lower premium by one cent than what is reflected on the payment letter.
XXXXX   400656 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX No closing disclosure or final settlement statement in file.
XXXXX   400656 XXXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 537704.56 536367.26 Per CD.
XXXXX   403593 XXXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXXX XXXXX Per Settlement Statement
XXXXX   403593 XXXXX Qualifying Total Reserves Number of Months assetPage 109.59 90.00 Per assets and cash out at closing 
XXXXX   404750 XXXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1780.56 1607.45 Qualifying payment includes the HOA monthly amount 
XXXXX   406619 XXXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.56 31.96 per audit higher rental loss and total debts.