EX-99.5 44 ex995s8.htm SCHEDULE 8 - DATA COMPARE REPORT

 

GS Mortgage-Backed Securities Trust 2024-NQM1

Exhibit 99.5 - Schedule 8

 

 

Loan ID Seller Loan ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
XXXX     XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage XXXX XXXX Calculated HTI is $XXXXX.XX PITI/XXXXX.XX Monthly Income*100 = XX.XXX%, however Tape data is showing incorrect.
XXXX     XXXX Borrower 2 Last Name notePage XXXX XXXX Updated Borrower Last name as per Personal ID which is on page#31, 245, 246, 357, 358
XXXX     XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXXX XXXX Calculated DTI is $XXXXX.XX Total Monthly Payments /XXXXX.XX Monthly Income*100 = XX.XX%, however Tape data is showing incorrect.
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Application Date Confirmed from Initial 1003
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Application Date updated as per initial 1003 page no #518
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Verified & Confirmed, As per guidelines we need to update initial 1003 print date or Date creditor Received Application as Application date, Date Source as 'Date Creditor Received Application.
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Verified & Confirmed, As per guidelines we need to update initial 1003 print date or Date creditor Received Application as Application date, Date Source as 'Date Creditor Received Application.
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Considered Print Date from Initial 1003 as Application Date (XXXX) & Selected Application Date Source as "Date Creditor Received  Application Date"
XXXX     XXXX CLTV propertyValuationPage XXXX XXXX XX.XX% Using Appraisal Value, XX% using Sales Price lesser value compared to appraisal value. Selected sales price in DFL. True data is incorrect.
XXXX     XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXXX XXXX Within 1%
XXXX     XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXXX XXXX True data reflects correct DTI as per calculations and also matches with 1008 and Lender approval sheet. Tape data reflects different value. 
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Application Date per initial 1003 date and time stamp page 420.
XXXX     XXXX Property Address notePage XXXX XXXX Updated Property address as per note document.
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Application Date updated as per initial 1003 page no #573
XXXX     XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXXX XXXX XXXX - XXXX liability info considered as per pg#552 and for XXXX - XXXX monthly payment on 1003 shows $XXX, whereas in credit report $XXX, XXXX XXXX - XXXX monthly payment on 1003 shows $XX, whereas in credit report $0.00, hence there is a difference in total all other monthly payments which shows difference in calculated DTI XX.XX% whereas U/W calculation is XX.XX%, which is X.XX% difference,  within 1% tolerance.
XXXX     XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXXX XXXX Per 1008 DTI is XX.XX% which is matching calculated DTI. Tape data is incorrect. 
XXXX     XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage XXXX XXXX Per 1008 HDTI is X.XX% which is matching calculated HDTI. Tape data is incorrect. 
XXXX     XXXX Borrower 1 Executed 4506T Verified employmentIncomePage XXXX XXXX Executed 4506T verified and updated as per the 4506T document 
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Per initial 1003 application date is XXXX.
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Application date considered per initial 1003 application date
XXXX     XXXX Total Monthly Property Insurance Amount propertyInsurancePage XXXX XXXX Calculated Total Monthly Property Insurance Amount $XX.XX as per Final CD and First Payment Letter, but tape data showing $XX.XX.
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Application date per stamped as received date XXXX per initial application page 814.
XXXX     XXXX Borrower 1 Executed 4506T Verified employmentIncomePage XXXX XXXX Borrower and Co-borrowers are getting Wage income, however 4506T is required for wage employment.
XXXX     XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage XXXX XXXX Per final 1003 there is XXXX-XXXX liability with $XXX monthly which is not showing on credit report and XXXX -XXXX showing monthly payment of $XX, whereas Credit report shows $XX, due these there is a difference in Total All Other Monthly Payments, due to Calculated DTI shows XX.XX%, whereas Loan program shows XX.XX%, which is more than 1% tolerance. Also Total employment Total Amount of employment income is $XX,XX.XX, however 1008 shows $XX,XXX.XX. Finding open for corrected 1008. 
XXXX     XXXX Application Date complianceDetailPage XXXX XXXX Application Date updated as per initial 1003 page no #460