EX-99.5 32 ea025949101_ex99-5sch4.htm SCHEDULE 4 - DATA COMPARE

Exhibit 99.5 Schedule 4

ASF Loan Number | Loan ID | ALT Loan ID | Field Name | Verified Value | Bid Tape Value | Comment
92400187377 | XX |  | MIN No | XXX | XXX | Per the Security Instrument
92400187377 | XX |  | Application Date | XX | XX | Initial 1003
92400187377 | XX |  | Qualifying Total Reserves Number of Months | 32.24 | 36.67 | Per the asset statements
92400187377 | XX |  | Qualifying All Borrower Residual Income | 227114.44 | 295500.72 | Income and liabilities
92400186695 | XX |  | ULI | XXX | XXX | Per final 1003
92400186695 | XX |  | Qualifying Total Reserves Number of Months | 8.75 | 8.07 | Per CD
92400186695 | XX |  | Qualifying All Borrower Residual Income | 10599.04 | 11734.04 | Per monthly income less all debts
92400186495 | XX |  | ULI | XXX | XXX | 1003
92400186495 | XX |  | MIN No | XXX | XXX | Security Instrument
92400186495 | XX |  | Property Value | XX | XX | Appraisal
92400186495 | XX |  | Qualifying Total Reserves Number of Months | 9.9 | -37.43 | Assets
92400186495 | XX |  | Qualifying All Borrower Residual Income | 6022.59 | 7782.58 | Income and liabilities
92400185900 | XX |  | Property Value | XX | XX | From the 1008
92400185900 | XX |  | Application Date | XX | XX | Initial 1003
92400185900 | XX |  | Qualifying Total Reserves Number of Months | 179.36 | 108.32 | Assets
92400185900 | XX |  | Qualifying All Borrower Residual Income | 1148700.6 | 1161598.60 | Income and liabilities
92400185544 | XX |  | Qualifying Total Reserves Number of Months | 26.59 | 53.58 | Assets
92400185539 | XX |  | Qualifying Total Reserves Number of Months | 29.73 | 29.07 | 12 months reserves are required per NQMF Guidelines.
92400185539 | XX |  | Qualifying All Borrower Residual Income | 71566.49 | 73599.43 | No residual income is required when DTI<43% and not a HPML loan.
92400184557 | XX |  | MIN No | XXX | XXX | Security Instrument
92400184557 | XX |  | Application Date | XX | XX | Initial 1003
92400184557 | XX |  | ULI | XXX | XXX | Final 1003
92400184557 | XX |  | Property Value | XX | XX | Appraisal
92400184557 | XX |  | Qualifying Total Reserves Number of Months | 6.98 | 7.44 | Assets
92400184557 | XX |  | Qualifying All Borrower Residual Income | 6516.17 | 6608.04 | Income and liabilities
92400184048 | XX |  | Property Value | XX | XX | Confirmed with Appraisal Report.
92400184048 | XX |  | ULI | XXX | XXX | Confirmed with Final 1003.
92400184048 | XX |  | Application Date | XX | XX | Confirmed with Initial 1003.
92400184048 | XX |  | Qualifying Total Reserves Number of Months | 6.89 | 6.71 | Confirmed with bank statements provided.
92400184048 | XX |  | Qualifying All Borrower Residual Income | 18134.86 | 18851.83 | Confirmed with bank statements provided for income verification and Credit Report.
92400183096 | XX |  | First Payment Date | XX | XX | Per Note.
92400183096 | XX |  | ULI | XXX | XXX | ULI is correct per Final XXX page XXX.
92400183096 | XX |  | MIN No | XXX | XXX | Per Note.
92400183096 | XX |  | Maturity Date | XX | XX | Per Note.
92400183096 | XX |  | Property Value | XX | XX | Per appraisal.
92400183096 | XX |  | Qualifying Total Reserves Number of Months | 10.02 | 6.97 | 6 months assets are required per NQMF guidelines.
92400183096 | XX |  | Calculated DSCR | 0 | 0.99 | This is not a DSCR Loan. Subject property is a Primary residence.
92400183096 | XX |  | Qualifying All Borrower Residual Income | 15862.82 | 11828.06 | No residual income required when DTI<43% or not a HPML loan.
92400181898 | XX |  | First Payment Date | XX | XX | Per Note
92400181898 | XX |  | Maturity Date | XX | XX | Per Note
92400181898 | XX |  | MIN No | XXX | XXX | Per Mortgage
92400181898 | XX |  | Property Value | XX | XX | Per only appraisal in file
92400181898 | XX |  | Application Date | XX | XX | Per initial loan application
92400181898 | XX |  | Qualifying Total Reserves Number of Months | 41.65 | 23.63 | Per bank statement
92400181898 | XX |  | Qualifying All Borrower Residual Income | 1851168.74 | 1948288.98 | Per audist qualifying income and partially verified debt
92300186681 | XX |  | MIN No | XXX | XXX | Verified to Mortgage
92300186681 | XX |  | Property Value | XX | XX | Verified to appraised value vs purchase price
92300186681 | XX |  | Property Type | Single Family Detached | Townhouse | Verified to appraisal (Det/End Unit)
92300186681 | XX |  | Qualifying Total Reserves Number of Months | 111.79 | 0.00 | Verified to assets
92300186681 | XX |  | Qualifying All Borrower Residual Income | 16294.84 | -859.70 | Based on verified income and total debts
92300186602 | XX |  | Property Value | XX | XX | Confirmed with Appraisal Report.
92300186602 | XX |  | Application Date | XX | XX | Confirmed with Initial 1003.
92300186602 | XX |  | Verified Doc Type | 1YR Business P&L | Business P&L | Confirmed with Loan Approval. The file does not contain 2 months business bank statements.
92300186602 | XX |  | Qualifying Total Reserves Number of Months | 10.85 | 0.00 | Confirmed with bank statements.
92300186602 | XX |  | Qualifying All Borrower Residual Income | 21681.95 | 25688.09 | Confirmed with P&L statement and Credit Report.
92300186531 | XX |  | MIN No | XXX | XXX | Security Instrument
92300186531 | XX |  | Property Value | XX | XX | Appraisal
92300186531 | XX |  | Qualifying Total Reserves Number of Months | 15.98 | 0.00 | Assets
92300186531 | XX |  | Qualifying All Borrower Residual Income | 7103.02 | 9933.71 | Income and Liabilities
92300186504 | XX |  | Property Value | XX | XX | Per the appraisal
92300186504 | XX |  | Application Date | XX | XX | 1003
92300186504 | XX |  | Property Type | PUD | Condominium | Per the appraisal
92300186504 | XX |  | Qualifying Total Reserves Number of Months | 180.05 | 0.00 | Per the assets
92300186504 | XX |  | Qualifying All Borrower Residual Income | 6953.26 | -19651.16 | Income and liabilities
92300186451 | XX |  | MIN No | XXX | XXX | Per Note
92300186451 | XX |  | Property County | XX | XX | Per Mortgage
92300186451 | XX |  | Verified Doc Type | 12 Month Bank Statement | 24 Month Bank Statement | Per income calculator
92300186451 | XX |  | Qualifying Total Reserves Number of Months | 19.95 | 0.00 | Per assets
92300186451 | XX |  | Qualifying All Borrower Residual Income | 5875.13 | 16717.26 | Per monthly income less all debts
92300186421 | XX |  | MIN No | XXX | XXX | Confirmed with Deed of Trust.
92300186421 | XX |  | Property Value | XX | XX | Confirmed with Appraisal Report.
92300186421 | XX |  | Application Date | XX | XX | Per Initial 1003
92300186421 | XX |  | Verified Doc Type | Written Verification of Employment | Other | Confirmed with Loan Details.
92300186421 | XX |  | Qualifying Total Reserves Number of Months | 10.97 | 0.00 | Confirmed with bank statements provided.
92300186421 | XX |  | Qualifying All Borrower Residual Income | 3882.03 | 5136.31 | Confirmed with Income documentation and Credit Report.
92300186258 | XX |  | MIN No | XXX | XXX | Verified to Mortgage
92300186258 | XX |  | Property Value | XX | XX | Verified to appraised value vs purchase price
92300186258 | XX |  | Qualifying Total Reserves Number of Months | 36.14 | 0.00 | Verified to assets
92300186258 | XX |  | Qualifying All Borrower Residual Income | 16199.96 | 18510.60 | Based on verified income and total debts
92300186037 | XX |  | Property Address | XX | XX | Verified to Note
92300186037 | XX |  | Application Date | XX | XX | Verified to LO signature initial 1003
92300186037 | XX |  | Qualifying Total Reserves Number of Months | 36.25 | 0.00 | Verified to assets
92300186037 | XX |  | Qualifying All Borrower Residual Income | 8773.23 | 10152.68 | Based on verified income and total debts
92300185426 | XX |  | MIN No | XXX | XXX | Min number is correct.
92300185426 | XX |  | Qualifying Total Reserves Number of Months | 27.33 | 0.00 | Cash back can be used for reserves on flex supreme.
92300185426 | XX |  | Qualifying All Borrower Residual Income | 58082.12 | 63107.29 | Residual income is $58,082.12.
92300185381 | XX |  | Application Date | XX | XX | Verified to LO signature initial 1003
92300185381 | XX |  | Qualifying Total Reserves Number of Months | 8.31 | 0.00 | Verified to assets
92300185381 | XX |  | Qualifying All Borrower Residual Income | 6371.16 | 8973.21 | Based on verified income and total debts
92300180144 | XX |  | Qualifying Total Reserves Number of Months | 22.03 | 0.00 | cash-out proceeds are used to cover the reserves
92300180144 | XX |  | Qualifying All Borrower Residual Income | 6380.94 | 9893.16 | residual income is calculated by taking gross monthly income minus total monthly liabilities
92010186311 | XX |  | Property Value | XX | XX | Per the appraisal
92010186311 | XX |  | Qualifying Total Reserves Number of Months | 56.52 | 50.09 | Per the assets provided.
92010186311 | XX |  | Qualifying All Borrower Residual Income | 142216.78 | 171844.46 | Income and liabilities
92010185590 | XX |  | Qualifying Total Reserves Number of Months | 46.23 | 46.32 | verified 6 months reserves with the cash out on the CD.
92010185590 | XX |  | Qualifying All Borrower Residual Income | 7669.32 | 8382.32 | Residual is not required - less than 43% DTI and not HPML
92010185506 | XX |  | Property Value | XX | XX | Appraisal
92010185506 | XX |  | Qualifying Total Reserves Number of Months | 5.7 | 3.45 | Assets provided
92010185506 | XX |  | Qualifying All Borrower Residual Income | 18342.18 | 20264.78 | Income and liabilities
92010185304 | XX |  | Property Value | XX | XX | The appraisal is missing from the file, per the 1008 it is $XX Purchase Price of $XX used to calculated LTV.
92010185304 | XX |  | Qualifying Total Reserves Number of Months | 73.37 | 72.93 | No assets present in the file.
92010185304 | XX |  | Qualifying All Borrower Residual Income | 3696.42 | 3767.40 | Income and liabilities
92010184621 | XX |  | Note Date | XX | XX | Per Note.
92010184621 | XX |  | Application Date | XX | XX | Per Initial 1003 page 39.
92010184621 | XX |  | Qualifying Total Reserves Number of Months | 117.12 | 117.15 | 3 months reserves are required plus an additional 2 months for investment property.
92010184621 | XX |  | Qualifying All Borrower Residual Income | 7489.3 | 9708.12 | No residual income required when DTI<43% or not a HPML loan.
92010184256 | XX |  | Property Value | XX | XX | Verified with the appraisal
92010184256 | XX |  | Qualifying Total Reserves Number of Months | 6.58 | 6.52 | Per the assets
92010184256 | XX |  | Qualifying All Borrower Residual Income | 22123.5 | 26473.81 | Income and Liabilities
92010182683 | XX |  | Qualifying Total Reserves Number of Months | 8.18 | 7.84 | Assets and cash out
92010182683 | XX |  | Qualifying All Borrower Residual Income | 3708.78 | 2228.58 | calculated income and liabilities
92010180428 | XX |  | Qualifying Total Reserves Number of Months | 6.61 | 6.46 | Missing assets in the amount of $212,536.76 per Final 1003 and Final 1008.
92010180428 | XX |  | Qualifying All Borrower Residual Income | 10725.69 | 13293.50 | $3,100 residual income required per NQMF guidelines. Married and 4 dependents = $3,100
92300185715 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per Loan Approval
92300185715 | XX | XX | Qualifying Total Reserves Number of Months | 9.88 | 12.00 | Per income documentation and housing expense
92300185715 | XX | XX | Total Qualified Assets Available | 219779.12 | 261479.22 | Per income documentation
92300185715 | XX | XX | Total Liquid Assets Available For Close | 194402.23 | 219779.22 | Per income documentation, excluding IRA and CD
92300185715 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per Appraisal Receipt Disclosure
92300185742 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval
92300185742 | XX | XX | Qualifying FICO | 800 | 737 | Per Primary Wage Earner
92300185742 | XX | XX | Qualifying Total Reserves Number of Months | 16.62 | 16.00 | Rounding
92300185742 | XX | XX | Total Qualified Assets Available | 104056.27 | 107956.27 | Per asset statements minus reserves
92300185742 | XX | XX | Total Liquid Assets Available For Close | 67782.28 | 104056.27 | Per asset statements minus reserves
92300185742 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per desk review
92300185778 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per approval
92300185778 | XX | XX | Cash Disbursement Date | 05-12-2025 | 05/14/2025 | Per CD
92300185778 | XX | XX | Total Qualified Assets Available | 250014.03 | 868814.03 | Per asset docs
92300185778 | XX | XX | Qualifying Total Reserves Number of Months | 7.46 | 13.00 | Per asset docs
92300185778 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per appraisal receipt
92300185724 | XX | XX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | B1 provided permanent resident alien card.
92300185724 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Coding.
92300185724 | XX | XX | Total Liquid Assets Available For Close | 35719.74 | 46719.74 | Does not include the gift $11000.
92300185724 | XX | XX | Qualifying Total Reserves Number of Months | 3.57 | 12.00 | Assets as documented in the loan file.
92300185724 | XX | XX | Total Qualified Assets Available | 35719.74 | 15453.13 | Assets as documented in the loan file.
92300185790 | XX | XX | Borrower 1 Total Years Employment/Self-Employment Verified | 24+ Months | 35 | Per loan approval
92300185790 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval
92300185790 | XX | XX | Qualifying Total Reserves Number of Months | 16.41 | 13.00 | Per asset statements
92300185790 | XX | XX | Total Liquid Assets Available For Close | 263859.49 | 263859.48 | Rounding
92300185790 | XX | XX | Total Qualified Assets Available | 263859.49 | 1523859.48 | Per asset statements minus reserves
92300185790 | XX | XX | Qualifying Total Monthly Liabilities | 16462.7 | 16458.51 | Per liabilities from credit report
92300185726 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per Loan Approval
92300185726 | XX | XX | Qualifying FICO | 764 | 758 | Per credit file for primary wage earner
92300185726 | XX | XX | Total Qualified Assets Available | 222754.53 | 1264280.53 | Per asset documentation
92300185726 | XX | XX | Qualifying Total Reserves Number of Months | 25.67 | 30.00 | Per asset documentation and housing expense
92300185726 | XX | XX | Total Liquid Assets Available For Close | 222754.53 | 262843.33 | Per asset documentation
92300185726 | XX | XX | Qualifying Total Monthly Liabilities | 11931.06 | 12005.06 | Per liability documentation
92300185726 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per Appraisal Receipt disclosure
92300185787 | XX | XX | Qualifying Total Reserves Number of Months | 19.58 | 18.00 | Reserves verified.
92300185787 | XX | XX | Total Qualified Assets Available | 279126.96 | 286166.96 | Assets verified.
92300185787 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date verified
92300185815 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per approval
92300185815 | XX | XX | Total Qualified Assets Available | 99961.09 | 504651.09 | Per asset docs
92300185815 | XX | XX | Total Liquid Assets Available For Close | 99961.09 | 99651.09 | Per asset docs
92300185815 | XX | XX | Qualifying Total Reserves Number of Months | 7.1 | 13.00 | Per asset docs
92300185815 | XX | XX | Qualifying Total Monthly Liabilities | 771 | 1808.46 | Per credit docs
92300185815 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per appraisal receipt
92300187774 | XX | XX | Originator Doc Type | 1YR Full Doc | ALT DOC | Per loan approval
92300187774 | XX | XX | Total Liquid Assets Available For Close | 256527.76 | 254795.50 | Per asset statements
92300187774 | XX | XX | Qualifying Total Reserves Number of Months | 171.31 | 20.00 | Per asset statements
92300187774 | XX | XX | Total Qualified Assets Available | 256527.76 | 446795.50 | Per asset statements minus reserves
92300187774 | XX | XX | Qualifying Total Monthly Liabilities | 2126.46 | 1764.46 | Per liabilities from credit report and $362 difference in primary expenses
92300187762 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Doc type selected from drop down.
92300187762 | XX | XX | Borrower 1 Total Years Employment/Self-Employment Verified | 12-23 Months | Less than 12 Months | Years of employment verified.
92300187762 | XX | XX | Cash out Include Debt Paid at Close | 770548.54 | 121818.46 | Cash out verified from final CD.
92300187762 | XX | XX | Total Liquid Assets Available For Close | 3429020.46 | 3185647.29 | Liquid assets verified.
92300187762 | XX | XX | Total Qualified Assets Available | 3429020.46 | 11436118.00 | Assets verified via asset docs.
92300187762 | XX | XX | Qualifying Total Reserves Number of Months | 117.67 | 109.00 | Reserves verified.
92300187762 | XX | XX | Qualifying Total Monthly Liabilities | 39280.36 | 39375.19 | Liabilities verified.
92300187762 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal date verified.
92300187796 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval
92300187796 | XX | XX | Total Qualified Assets Available | 40859.87 | 43859.87 | Per asset statements minus reserves
92300187796 | XX | XX | Qualifying Total Reserves Number of Months | 3.78 | 12.00 | Per asset statements minus reserves
92300187796 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per desk review
92400186338 | XX |  | Citizen Types | US Citizen | Non Permanent Resident Alien | 1008 and License reflect US Citizen
92400186057 | XX |  | Qualifying Value | XX | XX | Taking the lower value of $XX from appraisal review
92400186690 | XX |  | T & I Payment | $482.68 | $492.00 | $185.76 taxes + $198.00 HOA + $98.92 insurance = $482.68 TIA
92010186087 | XX |  | Property Address | XX | XX | Appraisal reflects XXX
92010186087 | XX |  | City | XX | XX | Appraisal Reflects XXX
92010186409 | XX |  | DSCR | 2.40 | 2.00 | $4,250.00 gross rents / $1,769.34 PITIA = 2.40 DSCR
92010186465 | XX |  | Interest Rate | 7.124% | 7.000% | Interest rate 7.124% per Note in file
92010186465 | XX |  | Qualifying Value | XX | XX | Appraisal reflects $XX
92010186465 | XX |  | DSCR | 1.10 | 1.00 | $2,220.00 gross rents / $2,017.33 PITIA = 1.10DSCR
92010187494 | XX |  | DSCR | 1.04 | 1.01 | $3,245.00 gross rents / $3,116.34 PITIA = 1.04 SCR
92010187950 | XX |  | T & I Payment | $1,030.70 | $1,076.00 | $800.66 taxes + $275.08 insurance = $1,030.70 TIA
92300186645 | XX |  | Prepayment Penalty | 60 | 36 | Note reflects 60
92010184994 | XX |  | DSCR | 1.08 | 1 | Missing insurance
92010184994 | XX |  | T & I Payment | $341.28 | $468.00 | Missing insurance
92010184330 | XX |  | DSCR | 1.3 | 1.39 | Missing Insurance
92010184330 | XX |  | T & I Payment | $594.53 | $479.00 | Missing Insurance