MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.4 Schedule 2
| Client Name: | ||||||
| Client Project Name: | MSRM 2025-DSC2 | |||||
| Start - End Dates: | 5/1/2024 - 5/21/2025 | |||||
| Deal Loan Count: | 224 | |||||
| Conditions Report 2.0 | ||||||
| Loans in Report: | 224 | |||||
| Loans with Conditions: | 79 | |||||
| 34 - Total Active Conditions | ||||||
| 34 - Non-Material Conditions | ||||||
| 30 - Credit Review Scope | ||||||
| 1 - Category: Application | ||||||
| 1 - Category: Assets | ||||||
| 9 - Category: Credit/Mtg History | ||||||
| 3 - Category: Income/Employment | ||||||
| 5 - Category: LTV/CLTV | ||||||
| 11 - Category: Terms/Guidelines | ||||||
| 4 - Property Valuations Review Scope | ||||||
| 4 - Category: Property | ||||||
| 65 - Total Satisfied Conditions | ||||||
| 50 - Credit Review Scope | ||||||
| 4 - Category: Application | ||||||
| 4 - Category: Assets | ||||||
| 4 - Category: Credit/Mtg History | ||||||
| 3 - Category: Income/Employment | ||||||
| 10 - Category: Insurance | ||||||
| 22 - Category: Legal Documents | ||||||
| 2 - Category: Terms/Guidelines | ||||||
| 1 - Category: Title | ||||||
| 14 - Property Valuations Review Scope | ||||||
| 8 - Category: Appraisal | ||||||
| 1 - Category: FEMA | ||||||
| 5 - Category: Property | ||||||
| 1 - Compliance Review Scope | ||||||
| 1 - Category: Documentation | ||||||
| 0 - Total Waived Conditions | ||||||
| ©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |
||||||
| Client Name: | |||
| Client Project Name: | MSRM 2025-DSC2 | ||
| Start - End Dates: | 5/1/2024 - 5/21/2025 | ||
| Deal Loan Count: | 224 | ||
| Conditions Report 2.0 | |||
| Loans in Report: | 224 | ||
| Loans with Conditions: | 79 | ||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 8148628 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 3 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 11.02 months of reserves in file. | |||||||||||||||
| 8997680 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of subject property mortgage history for most recent 12 months. | 12-23-24 Client uploaded LOX and October payment receipt.1-7-25: Client uploaded VOM and October payment receipt.1-8-24 Client uploaded property lien report. | 12-24-24 XXX reviewed loan and docs and replied to client email. To satisfy the exception we will need either a VOM or evidence of payments from first payment to September 2024 and evidence of no lien prior to XXX (Property report with lien information) since they have owned the property since XXX. Exception remains. 1-7-25: XXX reviewed the VOM, verifies payments on time since mortgage originated XXX Still require evidence of no lien prior to XXX since they have owned the property since XXX Exception remains.1-8-24 XXX reviewed the Property lien report which reflects no previous lien, VOM and evidence of XXX payment. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 744 is above the required 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 22.99 months. 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Credit history with oldest tradeline date XXX with no late payments. |
| 9104544 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | Credit | Income/Employment | Active | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Guidelines allow for XXX income at 75% of fair market rent (Section 1.9.1.1.4 Page 78). 1007 provided did not provide a breakdown for each XXX unit to properly calculate DSCR. Provide updated 1007 with breakdown. NOTE: DSCR subject to recalculation. | 4-2-25: client communication stating XXX guideline does not apply as this is short term rental and XXX will not be separately rented out.4-16-25 Client uploaded a XXX report and an exception to use XXX report on refinance with 55% Occupancy rate. | 4-2-25: XXX reviewed file documents, the 1007 from appraiser indicates long term rental and file has no verification of any other short term rental information verified. Exception stays, will review documentation if presented verifying short term rental income.4-16-25 XXX reviewed the file and the XXX report which reflects 55% occupancy rate and a submarket score of 25 (Guidelines allow for purchase only and require 60+ sub market score) with projected revenue of XXX XXX reworked DSCR using XXX from 1007 x 75% XXX rate) = XXX = 1.2238. XXX deems non-material/non-fatal to lending decision due to use of lower long term rents at 75% and the following compensating factors: Credit score 781/660 minimum, LTV 68.18%/70% maximum, and 117.83 months cash reserves/6 months required. Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 781 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 68.18% is below the maximum allowable of 70% for unleased property. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 117.83 months. 6 months required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 17 months exceeds the required 12 months. |
| 9104544 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Property has 3 XXX - guidelines only allow 2 XXX. (Section 1.9.1.1.4 Page 78)XXX deems non-material/non-fatal due to credit score of 781/660 minimum, LTV of 68.18%/70% maximum allowed, and 117.83 months cash reserves/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 781 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 68.18% is below the maximum allowable of 70% for unleased property. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 117.83 months. 6 months required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 17 months exceeds the required 12 months. |
| 9104549 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing documentation receipt of proceeds from refinance of 1 XXX in the amount of XXX. HUD-1 statement is not executed and unable to determine where funds were deposited. Provide Final signed HUD and evidence of funds wired or transferred to subject closing. | 5-8-25 Client uploaded HUD on 1 XXX. | 5-8-25 XXX reviewed the HUD on 1 XXX reflecting XXX proceeds closed by same settlement agent on the same day. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 675 exceeds the minimum of 640 CFCFS5269: Minimal use of credit - XXX Comments: 22% revolving credit utilized CFCFS1736: Significant time at current residence - XXX Comments: Payment reduced by XXX/month or 52.08% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 24.39 months reserves, 0 months required |
| 9104549 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | C | B | C | B | CRDTER4238 | Business entity does not meet guidelines | No | Missing documentation Borrowing entity is in good standing due to Certificate provided evidences Statement filing due XXX. Loan closed XXX. Last filing was XXX and ownership changed XXX | 5-8-25 Client replied: Attached is the CGS dated XXX which is good for 120 days and expires XXX nothing else is required per the guidelines. We do not require the other items being asked for.5-12-25 Client uploaded a post close exception. | 5-12-25 XXX reviewed Good standing certificate which reflects "existing" as status as of XXX. We understand document has not expired, however there was a change in ownership on XXX that does not appear to have been filed with the state as their last record of filing was XXX and a statement was due XXX and the loan closed XXX. Provide updated good standing certificate reflecting statement was filed XXX to ensure proper ownership of XXX has been filed with the state. Exception remains.5-14-25 XXX reviewed file and exception and information was sent to management for review. Exception remains pending management review. 5-16-25 XXX management has agreed to downgrade exception. Comp factors include: 24.39 months cash reserves/o months required, Minimal credit use of 22%, reduction in payment of XXX and credit score of 675/640 minimal. Non-material Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 675 exceeds the minimum of 640 CFCFS5269: Minimal use of credit - XXX Comments: 22% revolving credit utilized CFCFS1736: Significant time at current residence - XXX Comments: Payment reduced by XXX/month or 52.08% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 24.39 months reserves, 0 months required |
| 9042398 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Application missing Residency Status (XXX). | 1-28-25 Client uploaded 1003. | 1-28-25 XXX reviewed 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 718 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 11.16 months reserves, 6 months required CFCFS1736: Significant time at current residence - XXX Comments: Residing in primary residence for 10 years CFCFS5269: Minimal use of credit - XXX Comments: 0% revolving credit usage |
| 9042398 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Property is zoned agricultural with general farming and residential district II. Exception approved to proceed with agricultural zoned properties. XXX deems non-material/non-fatal to lending decision as property is rural with XXX and not being used for farming. Compensating factors: Credit score of 718, over 11 months cash reserves and borrower is an experienced investor. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 718 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 11.16 months reserves, 6 months required CFCFS1736: Significant time at current residence - XXX Comments: Residing in primary residence for 10 years CFCFS5269: Minimal use of credit - XXX Comments: 0% revolving credit usage |
| 9104555 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 7 years CFCFS5269: Minimal use of credit - XXX Comments: 12% consumer credit utilization in file CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 711. G/l min is 700 | |||||||||||||||
| 9104564 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing disclosure of residency status on loan application | 3-28-25: Client uploaded copy of loan application. | 3-28-25: XXX reviewed loan application, it confirms borrower is XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: Post closing reserves XXX, 8.46 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 806 and minimum is 660. |
| 9104564 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing acceptable updated valuation to support appraisal in file done XXX. All updated valuations in file indicate the reviews are based on an appraisal with effective date XXX and all updates predate the appraisal in the file. | 4.1.25 XXX Appraisal received. Appraiser initially did a 2055 when a full appraisal was required. exact same comps in the subsequent report. Same value on both. value supported. | 4.1.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: Post closing reserves XXX, 8.46 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 806 and minimum is 660. |
| 9104565 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 746. G/l min is 700 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower is 0*30 mortgage payment history past 60 months CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 23.36 months piti reserves. 6 months required. | |||||||||||||||
| 9104568 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 57.50%. G/l max is 70%. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has been at current residence for 5 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 76.19 months piti reserves | |||||||||||||||
| 9104569 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 10 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 59.90%. G/l max is 70% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6.29 months piti reserves. 6 months required. | |||||||||||||||
| 9104573 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 742 exceeds the minimum of 700 CFCFS1736: Significant time at current residence - XXX Comments: 9 years residing in primary residence CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 112.64 months reserves, 6 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 29 months reviewed for primary residence mtg exceeds the 12 months required | |||||||||||||||
| 9104580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 125 months PITIA is 119 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 754 is 94 points above the 660 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 58.21% is 16.79% below the 75% LTV allowed for the program. | |||||||||||||||
| 9158357 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 10.09 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 700 and minimum is 640 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has no late mortgage payments with 65 month history. | |||||||||||||||
| 9104591 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | 442 indicates plywood covering windows on front of house that was not present when appraisal was done; appraiser to address this issue and determine if safety issue is present and if windows are acceptable operating as expected and for XXX | 4-1-25 Client uploaded appraiser comments. | 4-1-25 XXX reviewed appraiser comments. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 771 is above the 680 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is 5% below the 85% LTV allowed for the program. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 5 years at current residence. |
| 9104592 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Appraiser is on the ASC Watchlist. | 4.2.25 ASC doc provided. Active / Compliant with no disciplinary actions. | 4.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 19 months PITIA vs 0 months reserves required. |
| 9104596 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 685 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have lived at primary residence for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 117 months of 0x30 mortgage history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 4.64 months of reserves, 0 months required. | |||||||||||||||
| 9104598 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: 7 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 766 qualifying credit score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 147 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 148 months of 0x30 mortgage history per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 68.71% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 144.10 months of reserves in file. | |||||||||||||||
| 9104601 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Missing documentation for sufficient funds to close. Assets Verified XXX as of XXX, FTC XXX, short XXX for closing | 3-26-25 Client uploaded assets. | 3-27-25 XXX reviewed assets and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 738 exceeds the minimum of 660 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum of 85% CFCFS5269: Minimal use of credit - XXX Comments: 0% of revolving credit utilized |
| 9104601 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH121 | Bankruptcy history does not meet guidelines | No | Missing discharge date of Chapter 7 bankruptcy filed XXX. Civil Court Report verifies a Chapter 7 was filed. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 738 exceeds the minimum of 660 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum of 85% CFCFS5269: Minimal use of credit - XXX Comments: 0% of revolving credit utilized |
| 9104619 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 742 mid-score per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 126.19 months of reserves in file. | |||||||||||||||
| 9104625 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 6.37 months PITIA vs 0 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 704 and 680 FICO required for the program. | |||||||||||||||
| 9104629 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 673 mid-score per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 778 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 107.37 months of reserves in file. | |||||||||||||||
| 9104637 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 800 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 2% revolving credit utilized CFCFS1746: Significant housing expense reduction - XXX Comments: Payment reduced by $212.93 or 5.06% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 26.31 months reserves, 6 months required | |||||||||||||||
| 9104641 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 752 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 3.61 months reserves, 0 months required CFCFS5269: Minimal use of credit - XXX Comments: 16% revolving credit utilized CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 1.5765 (Rent $XXX / Expenses XXX) | |||||||||||||||
| 9158362 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | A | B | B | N/A | N/A | C | B | C | A | B | B | N/A | N/A | Credit | Title | Satisfied | C | A | C | A | CRDTIL100 | Potential title issue | No | Title Commitment does not reflect the current lien with XXX Escrow Services with a presumed open date of XXX (date of purchase) AND it reflects a lien opened XXX, recorded XXX of previous sellers which is noted that said Deed of Trust appears to be paid in full, however no evidence of a recorded Deed of Reconveyance. Provide updated title commitment with current lien reflected and the lien dated XXX removed. | 5-22-25: client uploaded copy of final title policy dated XXX.5-22-25: XXX reviewed final title policy dated XXX; final title policy confirms the only outstanding lien is the new mortgage dated XXX for XXX all previous liens are paid off and no longer a lien on the property. | 5-22-25: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 756 is above the required 700. CFCFS1746: Significant housing expense reduction - XXX Comments: Current PITI payment is XXX; Subject PITI is XXX. Monthly savings of XXX. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 148.42 months. 0 months required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 23 months (B1) and 52 months (B2) exceeds the required 12 months. |
| 9158362 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | A | B | B | N/A | N/A | C | B | C | A | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Property does not meet minimum square footage requirement of 700 at XXX square footage. Lender approved exception in the file. XXX deems non-material/non-fatal to lending decision as comps reflect this is not uncommon to the area and the following compensating factors: Credit score 756/700 minimum, Payment decrease of XXX, 148.42 months cash reserves/0 months required and Mortgage payment history of 23 months (B1) and 52 months (B2)/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 756 is above the required 700. CFCFS1746: Significant housing expense reduction - XXX Comments: Current PITI payment is XXX; Subject PITI is XXX. Monthly savings of XXX. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 148.42 months. 0 months required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 23 months (B1) and 52 months (B2) exceeds the required 12 months. |
| 9104672 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 733 exceeds the minimum of 640 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 65% is below the maximum of 85% CFCFS5269: Minimal use of credit - XXX Comments: 10% revolving credit usage CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 468.30 months reserves, 0 months required | |||||||||||||||
| 9104687 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX or 19.3 months . 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 711 mid score > minimum required of 700 CFCFS5269: Minimal use of credit - XXX Comments: Minimal use of available revolving line limits @ 2% | |||||||||||||||
| 9104690 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 19 years at current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 805 is 145 points above the 660 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 0%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 118 months PITIA is 112 months greater than the 6 months reserves required. | |||||||||||||||
| 9104695 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower is 2 months short of having the required 1 year experience of managing a rental property. Client provided an exception approval to allow the loan with the borrower having less than 1 year of rental experience.XXX deems non-material/non-fatal to lending decision as borrower is only 2 months short of meeting guideline and compensating factors: Credit score 775/700 required, 5.89 months cash reserves/0 required and minimal credit use at 2.33%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 775 is below 700 required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 2.33%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 5.89 months PITIA vs 0 months reserves required. |
| 9104705 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 18 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 773 mid-score per CBR CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 206 months of 0x30 consumer credit history per CBR. | |||||||||||||||
| 9104706 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 9.02 months. 0 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 780 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is below the maximum allowable of 85%. | |||||||||||||||
| 9104709 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 10 months PITIA vs 0 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 769 is 109 points above the 660 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 17.55%. | |||||||||||||||
| 9104714 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence that the borrower has owned XXX for at least 12 months to support an experienced investor as required per guidelines 1.8.1.1 Experienced Investor and XXX No Primary Housing history required for experienced investor.HOI in file has a policy period start date of XXX and the fraud report does not reflect property in REO section. Property report with purchase date or HOI policy reflecting dates of XXX to XXX would satisfy. | 3-28-25: client uploaded statement that they accept this exception. | 3-28-25: Lender accepts exception. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 750 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 33.54 months reserves, 6 months required CFCFS5269: Minimal use of credit - XXX Comments: 0% revolving credit utilized |
| 9104719 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation receipt of rental income for 2 months to use lease for DSCR calculation. Bank statement with XXX verify 2 deposits from XXX however unable to determine who XXX is and bank statement in the name of XXX which is not documented who is owner of this LLC. | 3-26-25 Client uploaded supporting evidence of rent receipt. | 3-27-25 XXX reviewed documents which link $2000 rent receipt to borrower paid through XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 68% is below the maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 120.03 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 685 exceeds the minimum of 660 |
| 9104721 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 8 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 744. G/l min is 660 CFCFS5269: Minimal use of credit - XXX Comments: 15% consumer credit utilization in file | |||||||||||||||
| 9158365 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back XXX, 72.15 months reserves, 6 months required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 58.64% is below the maximum of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 770 exceeds minimum score of 660 CFCFS1736: Significant time at current residence - XXX Comments: 18 years residing in primary residence CFCFS5269: Minimal use of credit - XXX Comments: 8% of revolving credit utilized | |||||||||||||||
| 9104729 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3262 | Property issues indicated | No | 2 of the 4 units are less than the minimum 400 sq ft required. Client provided an exception approval to allow the loan with 2 of the 4 units being less than 400 sq ft.XXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score 793/660 minimum, minimal use of credit with credit usage ratio of 1%, and 74 months cash reserves/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 793 is 133 points above the 660 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 1%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 74 months PITIA is 68 months greater than the 6 months reserves required. |
| 9137744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 100.39 months piti reserves. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 765 is above the required 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 44 months exceeds the required 12 months. | |||||||||||||||
| 9137745 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: 57.69% LTV below guideline requirements of 75% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 704 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 48.95 months; 6 months reserves are required | |||||||||||||||
| 9104738 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing Lease Agreement recorded in book 1588, page 105 per title, exception 21 Schedule B, Part II. | 4-4-25: Client uploaded lease agreement recorded in book 1588. | 4-4-25: XXX reviewed lease agreement, it has expired as of August 25, 2008 and no longer affects the property. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 10.14 months reserves, 0 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 761 exceeds the minimum of 660 |
| 9104739 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is below the maximum allowable of 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 784. G/l min is 660 CFCFS5269: Minimal use of credit - XXX Comments: 0% consumer credit utilization in file | |||||||||||||||
| 9104740 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 59.62% and maximum is 70% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 87.53 months; 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 686 and minimum is 660 | |||||||||||||||
| 9104746 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 13 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 13.95 months piti reserves | |||||||||||||||
| 9104751 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 713 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 0x30 consumer credit history since XXX on CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 14.5 months; 6 months required. | |||||||||||||||
| 9104754 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 31 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 57.78%. G/l max is 70% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 91.28 months piti reserves | |||||||||||||||
| 9104765 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 41.37 months; 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 768 and minimum is 660 | |||||||||||||||
| 9104769 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 661 qualifying credit score per CBR. 660 minimum. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 69 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: XXX = 7.02 months of reserves. 0 months required. | |||||||||||||||
| 9137750 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower 2 is a first time home buyer which is not allowed on XXX program. XXX considers this non material as 75% LTV is below maximum allowed, credit is good with score of 733 and reserves remain after closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV below guideline requirements of 85% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 733 exceeds the guideline program minimum of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 5.96 months; no reserves required. |
| 9104772 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. The desk review submitted was done for a different appraisal by a different appraiser. Appraisal in file was done XXX by XXX XXX; the CDA is in file was done on XXX for an appraisal done by XXX on XXX. | 4-21-25: client uploaded desk review.4-21-25: XXX review desk review, it was completed for the XXX appraisal by XXX, value supported. | 4-21-25: exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: No lates reporting in 40 months reported on credit. 1x30 in 12 months allowed. CFCFS1741: Credit score exceeds guidelines - XXX Comments: No lates reporting in 36 months. 12 months no lates for credit card/auto, 1x30 in 12 months for mortgage. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6 months reserves required of XXX; post closing reserves of XXX, 26.77 months. |
| 9137751 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have occupied primary residence for 27 years CFCFS1737: LTV below guideline requirements - XXX Comments: 12% LTV < maximum permitted of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 805 mid score > minimum required of 660 CFCFS2860: Good credit history - XXX Comments: - Consumer debt: 0x30 x greater than 99 months- Low usage of available revolving credit lines @ 15.34% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves (proceeds) XXX (72.32 months PITIA) > minimum required of 6 months. | |||||||||||||||
| 9104776 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14.75 months piti reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower is 0*30 consumer credit history past 36 months | |||||||||||||||
| 9104778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 748 is 48 points above the 700 FICO required for the program. CFCFS2860: Good credit history - XXX Comments: Borrower is 0x30 on all accounts for the past 5 years reviewed. | |||||||||||||||
| 9104785 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Clarification on receipt of rental income for subject property since this is a DSCR loan for a refinance. Per XXX letter from borrower he does not receive any rental income from the subject property however another letter dated XXX states he is in the process of obtaining leases with the current tenants. | 4-10-25 Client uploaded lease from current tenants dated after closing. | 4-10-25 XXX reviewed lease dated after closing from current tenant. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 22 years residing in primary residence CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back XXX, 33.47 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score of 667 exceeds the minimum of 660 |
| 9104785 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation to clear fraud report alert on appraiser. Provide ASC search. | 4-7-25 Client uploaded ASC search. | 4-7-25 XXX reviewed ASC search. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 22 years residing in primary residence CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back XXX, 33.47 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score of 667 exceeds the minimum of 660 |
| 9104787 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 4.51 months reserves, 0 months required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 80% is below the maximum of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 743 exceeds the minimum of 660 | |||||||||||||||
| 9104792 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 34.4 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 62.16% is below the maximum allowable of 70%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 680 is above the required 660. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 16 months exceeds the required 12 months. | |||||||||||||||
| 9104796 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: 67.67% LTV below guideline requirements of 75% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 744 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 112.51 months; 6 months required. | |||||||||||||||
| 9104797 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 4-9-25 Client uploaded HUD. | 4-10-25 XXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 782 is 122 points above the 660 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 21.64%. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 28 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 8.19 months PITIA vs 0 months reserves required. |
| 9104813 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% is greater than the maximum 75% LTV allowed with a DSCR less than 1. Rents used XXX primary house + XXX for ADU ($1600 x 75%). XXX deems non-material/non-fatal due to strong credit score of 770, 88.59 months cash reserves/6 months required and minimal use of credit at .44%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Co-Borrower has a credit line usage ratio of 0.44%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 88 months PITIA is 82 months greater than the 6 months reserves required for DSCR less than 1.0. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 770 is 70 points above the 700 FICO required for the program. |
| 9104841 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 17.97 months. 0 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 77.15% is below the maximum allowable of 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 799 is above the required 660. | |||||||||||||||
| 9137765 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 51.59 months; 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 53.98% and maximum is 65% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 714 and minimum is 700. | |||||||||||||||
| 9158375 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 22 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 34.94 months; 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 763 and minimum is 660 | |||||||||||||||
| 9104852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Borrower is short funds to close in the amount of XXX; HUD1 verifies borrower brought XXX cash to closing and most recent bank statement from XXX XXX verifies $12.47. | 4-15-25 Client uploaded XXX transaction printout. | 4-16-25 XXX reviewed printout and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 60.83%. G/l max is 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 792. G/l min is 700 CFCFS5269: Minimal use of credit - XXX Comments: 4% consumer credit utilization in file |
| 9137769 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing the "see HUD attachment" that displays full details of the payoffs. | 5-22-25: client submitted full copy of HUD1 including attachment with full details of the payoffs.5-22-25: XXX reviewed full copy of HUD1 including attachment with full details of the payoffs. | 5-22-25: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 802 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 4 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 142 months of 0x30 mortgage history per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 137 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8.84 months of reserves in file; 6 months required. |
| 9104857 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: 10 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 105 months of 0x30 rental history per VOR. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 688 qualifying credit score per CBR, 680 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 88.72 months of reserves in file. | |||||||||||||||
| 9158378 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at current residence for 24 years. CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV below guideline requirements of 85% per program. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 8.38 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 724 exceeds the guideline program minimum of 660. | |||||||||||||||
| 9137780 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at current residence for 6 years. CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV below guideline requirements of 75% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 743 exceeds the guideline program minimum of 660 based on LTV. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 109.89 months; 6 months reserves required. | |||||||||||||||
| 9158380 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | HUD provided indicates total closing costs of XXX and cash out of XXX. Loan amount XXX - XXX = XXX. Cash out or closing cost are off by XXX. Provide updated HUD. | 5-12-25 Client uploaded corrected HUD. | 5-14-25 XXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 748 mid-score per CBR. 660 minimum. CFCFS1736: Significant time at current residence - XXX Comments: 5 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 303 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 118.64 months of reserves in file. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 9158381 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 737. G/l min is 700 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower is 0*30 mortgage payment history past 32 months CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 78.348% is below the maximum allowable of 80%. CFCFS1746: Significant housing expense reduction - XXX Comments: Borrower current primary PITI is XXX; Subject PITI is XXX = monthly savings of XXX. | |||||||||||||||
| 9137787 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Reviewing payment histories for subject mortgage. Mortgage payment history reflects 2x30 (XXX made XXX, XXX made XXX) and 1x60 (XXX made XXX). Per Guidelines max 65% LTV when > 1x30x12, 0x60xc12. Mortgage history reflects a 60 day late. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 740 exceeds the minimum of 660 CFCFS5269: Minimal use of credit - XXX Comments: 9% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 21.17 months reserves, 6 months required |
| 9137787 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Between Subject mortgage and primary residence rental payment histories, there are 3x30 in the last 12 months. Per Guidelines, if more than 1x30, there is a LTV reduction for Cash out refi to 65%. Loan closed at 70% LTV. XXX deems non-material/non-fatal to lending decision due to credit score of 740/660 minimum, 21.17 months cash reserves/6 months required and minimal use of credit with credit usage ratio of 9%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 740 exceeds the minimum of 660 CFCFS5269: Minimal use of credit - XXX Comments: 9% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 21.17 months reserves, 6 months required |
| 9137791 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 700 mid-score per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 60 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7.3 months of reserves in file. | |||||||||||||||
| 9137792 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 796. G/l min is 720 CFCFS5269: Minimal use of credit - XXX Comments: 0% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets are XXX, 3.62 months; no reserves required. | |||||||||||||||
| 9158389 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 755 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 65.95 months reserves, 6 months required CFCFS5269: Minimal use of credit - XXX Comments: 11% of revolving credit utilized | |||||||||||||||
| 9137808 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Income/Employment | Active | B | B | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing evidence of 2 months rent receipt in the amount of XXX to support DSCR calculation at the higher rent rate. Lender provided evidence of payment made April 1, 2025 (XXX + XXX = XXX rent + security deposit $500). XXX deems non-material/non-fatal to lending decision since lease just started and April provided and the following compensating factors: Credit score 712/700 minimum, 71.09 months cash reserves/6 months required and 28 month mortgage history/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 712 mid-score per CBR. 700 minimum. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 28 months of 0x30 mortgage history per CBR and 12 months of mortgage statements. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 71.09 months of reserves in file. 6 months required. |
| 9137809 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at current residence for 21 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 820 exceeds the guideline program minimum of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV below guideline requirements of 85% per program. | |||||||||||||||
| 9137815 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV below guideline requirements of 85% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 812 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX ; 3.07 months; no reserves are required | |||||||||||||||
| 9137817 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing satisfactory 12 months mortgage payment history with XXX #XXX on subject property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 38.88 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 732 is above the required 700. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 73.64% is below the maximum allowable of 75%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 99 months exceeds the required 12 months. |
| 9137824 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 705 mid-score per CBR. 660 minimum. CFCFS1736: Significant time at current residence - XXX Comments: 7 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 17.12 months of reserves in file. 0 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. | |||||||||||||||
| 9137833 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 6 years. CFCFS5269: Minimal use of credit - XXX Comments: 22% consumer credit utilization in file CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower is 0*30 consumer credit history past 36 months | |||||||||||||||
| 9137835 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 5-5-25 Client uploaded final HUD. | 5-5-25 XXX reviewed final HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have owned primary residence for 20 years. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80%, max allowed is 85% based on credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score of 755 is higher than required minimum score of 660. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: At least 36 months reporting on credit report no lates, required 12 months no lates. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage history 61 months no lates, required 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves of XXX or 1.01 months; 0 months required. |
| 9137843 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: No lates reporting on credit report. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 99 months exceeds the required 12 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 661 is above the required 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 72.5 months exceeds the required 6 months reserves. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 54.82 is below the maximum allowable of 70%. | |||||||||||||||
| 9158428 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time in profession, 17 years. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV below guideline requirements of 85% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 812 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 86.21 months; no reserves required. | |||||||||||||||
| 9137852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Property is ineligible as it is used for single room occupancy, per guidelines XXX XXX deems non-material/non-fatal to lending decision as property could easily be a long term rental and the following compensating factors: Credit score 757/680 minimum, LTV 55%/70% maximum and 93.01 months cash reserves/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 93.01 months; 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 55% and maximum is 70% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 757 and minimum is 680 |
| 9158430 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at current residence for 20 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 714 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 44.09 months; 6 month reserves are required. | |||||||||||||||
| 9158433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 0x30 x41 months > maximum permitted of 1x30 x12 months CFCFS2860: Good credit history - XXX Comments: Consumer debt: 0x30 x greater than 99 months CFCFS5269: Minimal use of credit - XXX Comments: Negligible usage of available revolving credit @ 0.8% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets: XXX, 5.74 months, 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 783 mid score > minimum required of 700 | |||||||||||||||
| 9137860 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing documentation as required in guidelines XXX verifying receipt of the gift funds $XXX | 5-16-25 Client provided explanation that there was only one gift in the amount of XXX for the EMD. | 5-19-25 XXX reviewed file. Gift letter in file for $18,250 only funded at XXX for the EMD per Lender which was verified as clearing the donor's bank account. XXX updated assets to reflect gift at XXX with total assets verified at XXX and cash reserves at XXX Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 5 years at current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 757 is 97 points above the 660 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75% is 10% below the 85% LTV allowed for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 17%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of .65 months PITIA vs 0 months reserves required. |
| 9137860 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1 | 5-15-25 Client uploaded final HUD. | 5-15-25 XXX reviewed final HUD which reflects 2 additional deposits in the exact amount and page 3 reflects one being refunded and XXX due to borrower at closing for overpayment. Total cash required XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 5 years at current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 757 is 97 points above the 660 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75% is 10% below the 85% LTV allowed for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 17%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of .65 months PITIA vs 0 months reserves required. |
| 9137861 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 46.15% is below the maximum of 70% CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 21 months reviewed for primary residence mortgage exceeds the 12 months required CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 89.34 months reserves, 6 months required | |||||||||||||||
| 9158438 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing the next pay date on VOM for the subject property | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 53.57% is below the maximum of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 722 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 65.34 months reserves, 6 months required |
| 9158438 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Property street address on the note does not match all other documents; Note shows XXX; all other documents show XXX. | 5-13-25 Client uploaded corrected note. | 5-14-25 XXX reviewed corrected note and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 53.57% is below the maximum of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 722 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 65.34 months reserves, 6 months required |
| 9137873 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 692 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 79% is below the maximum allowable of 80%. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: No late payments reporting for at least 24 months, 12 months no lates required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 38 months exceeds the required 12 months. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 20%. | |||||||||||||||
| 9158444 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have been in their current residence for 23 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 17.23 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 756 and minimum is 620 | |||||||||||||||
| 9158447 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 667 is above the required 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 103.64 months piti reserves. 0 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. G/l max is 80% | |||||||||||||||
| 9158450 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines state: XXX aggregate exposure to a single borrower and/or household shall not exceed XXX in current unpaid principal balance (UPB) or four (4) loans. Exposure in excess of the limit is allowed by exception.Lender provided a committee review for 7 XXX financed loans - dollar amount is unknown. XXX deems non-material/non-fatal due to the following compensating factors: Long term homeowner/investor, 86.88 months cash reserves/6 months required, and 790 credit score/660 minimum. | 5-22-25 Client replied that they accept B grade. | 5-22-25. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 0x30 x greater than 99 months > maximum permitted of 1x30 x12 months CFCFS2860: Good credit history - XXX Comments: Consumer debt: 0x30 x greater than 99 months CFCFS1736: Significant time at current residence - XXX Comments: Borrower has occupied primary residence for 7 years. CFCFS1737: LTV below guideline requirements - XXX Comments: 64.31% LTV < maximum permitted of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 790 mid score > minimum required of 660 |
| 9158450 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing condominium master insurance policy. | 5-22-25: client uploaded copy of master insurance policy. | 5-22-25: XXX reviewed copy of master insurance policy, meets requirements. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 0x30 x greater than 99 months > maximum permitted of 1x30 x12 months CFCFS2860: Good credit history - XXX Comments: Consumer debt: 0x30 x greater than 99 months CFCFS1736: Significant time at current residence - XXX Comments: Borrower has occupied primary residence for 7 years. CFCFS1737: LTV below guideline requirements - XXX Comments: 64.31% LTV < maximum permitted of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 790 mid score > minimum required of 660 |
| 9137886 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 5-21-25 Client uploaded final HUD. | 5-21-25 XXX reviewed final HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 17 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 55.56%. G/l max is 70% based on vacant status and no evidence of first rental payment. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 711. G/l min is 660. CFCFS5269: Minimal use of credit - XXX Comments: 5% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 53.84 months piti reserves. 6 months required. |
| 9137888 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower is 0*30 consumer credit history past 60 months CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 48.99 months piti reserves. 0 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 70% is below the maximum allowable of 80%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 687 is above the required 640 based on LTV. CFCFS3824: Borrower contributed an additional down payment - XXX Comments: Borrower contributed an additional XXX above the required XXX down payment for a total down payment of XXX | |||||||||||||||
| 9137890 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 97 months of 0x30 mortgage history per CBR CFCFS1741: Credit score exceeds guidelines - XXX Comments: 752 mid-score per CBR. 680 minimum. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7.7 months of reserves in file. 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 284 months of 0x30 consumer credit history per CBR. | |||||||||||||||
| 9158459 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 18 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 718. G/l min is 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets are XXX, 11.03 months reserves, 6 months required. | |||||||||||||||
| 9158461 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 771. G/l min is 660 CFCFS5269: Minimal use of credit - XXX Comments: 0% consumer credit utilization in file CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is below the maximum allowable of 85%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets are XXX or 3.52 months piti reserves. 0 months required. CFCFS3824: Borrower contributed an additional down payment - XXX Comments: Borrower contributed an additional XXX above the required XXX down payment for a total down payment of XXX. | |||||||||||||||
| 9137901 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 695 exceeds the guideline program minimum of 680. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX,91.41 months; 6 months reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower rental pay history of 19 months exceed required 12 months history. | |||||||||||||||
| 9158471 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 8.25 months; 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 805 exceeds the guideline program minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 61 months exceeds the required 12 months. | |||||||||||||||
| 9158472 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Appraiser is not registered with the National Registry of Appraisers. Provide ASC search. | 5-27-25: client uploaded ASC search for appraiser. | 5-27-25: XXX reviewed ASC search, it confirms appraiser is registered with the National Registry of Appraisers. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 5 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 749 and minimum is 660 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75% is below the maximum allowable of 85%. |
| 9137913 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 798 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 8 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 134 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 96 months of 0x30 rental history per VOR in file. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 49.39 months of reserves in file. | |||||||||||||||
| 9158478 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 24 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 86.12 months; 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 671 and minimum is 660 | |||||||||||||||
| 9158485 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Application | Active | B | B | B | B | CRDAPP130 | Application is incomplete | No | Missing Automatic Payment Authorization form signed by borrower. Per guidelines XXX, XXX are required to sign and verify funds withdrawn from XXX. XXX deems non-material/non-fatal to lending decision due to comp factors: 108.09 cash reserves/6 months required, Credit score 728/680 minimum, 26 months mortgage payment history/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back XXX, 108.09 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 728 exceeds the minimum of 680 CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 1.3761 (Rent XXX / Expenses XXX) CFCFS5269: Minimal use of credit - XXX Comments: 4% revolving credit utilized CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 26 months reviewed for primary residence mtg exceeds the 12 months required |
| 9158487 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH183 | Credit report incomplete | No | Missing B2's (XXX) credit report in file. | 5-15-25 Client uploaded credit report. | 5-15-25 XXX reviewed the credit report and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 5 years living at primary home. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 762 qualifying credit score per CBR. 660 minimum. CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 104 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 15.02 months of reserves in file. 0 months required. |
| 9158502 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 809 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 110 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 45.55 months of reserves in file. | |||||||||||||||
| 9158505 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date is XXX. Transaction date is XXX with a fund date of XXX. | 5-22-25: client uploaded copy of hazard insurance.5-22-25: XXX reviewed copy of hazard insurance, verifies effective date XXX, same day as funding date. | 5-22-25: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 739 exceeds the minimum of 660 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 33 months reviewed for primary residence mtg exceeds the 12 months required CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 15.57 months reserves, 0 months required |
| 9158508 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3256 | Seller contributions exceed guideline requirements | No | Per guidelines, seller concessions not to exceeds the lesser of 6% or total closing costs. Borrower closing costs XXX + city tax XXX + Transfer tax adj $XXX + HOI POC XXX + Appraisal POC = XXX. Seller credit for XXX. Overpaid XXX based on HUD dated XXX. XXX deems non-material/non-fatal to lending decision due to 739 credit score/640 minimum, .44 months cash reserves/0 months required and minimal credit use. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 739 exceeds the minimum score of 640 CFCFS5269: Minimal use of credit - XXX Comments: 0% revolving credit utilized CFCFS1736: Significant time at current residence - XXX Comments: 15 years residing in current primary CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 1.3946 (Rent $XXX / Expenses XXX) |
| 9158513 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 774 is above the required 640. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75% is below the maximum allowable of 85%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 4 months. 0 months required. CFCFS3824: Borrower contributed an additional down payment - XXX Comments: Borrower contributed an additional XXX above the required XXX down payment for a total down payment of XXX | |||||||||||||||
| 9158535 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80.00%, guideline allow 85.00% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX or 95.15 months. 0 reserves required. CFCFS5269: Minimal use of credit - XXX Comments: Borrower's credit usage low at 17.66% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 702 is above minimum program requirement of 700. | |||||||||||||||
| 9158542 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 19 years CFCFS5269: Minimal use of credit - XXX Comments: 20% consumer credit utilization in file CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 776. G/l min is 700 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower is 0*30 mortgage payment history past 50 months | |||||||||||||||
| 9158544 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back XXX, 17.09 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 662 exceeds the minimum of 660 CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 1.2406 (Rent XXX / Expenses XXX | |||||||||||||||
| 9158547 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 772 mid-score per CBR. 700 minimum. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 140 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 112.06 months of reserves in file. 6 months required. | |||||||||||||||
| 9158558 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 13.94 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 686 and minimum is 660 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has no late payments on mortgages for past 48 months. | |||||||||||||||
| 9158568 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash back XXX, 20.58 months reserves, 6 months required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 63.87% is below the maximum of 70% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 676 exceeds the minimum of 660 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 79 month reviewed for subject mtg exceeds 12 months required CFCFS5269: Minimal use of credit - XXX Comments: 19% revolving credit utilized | |||||||||||||||
| 9158577 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 726. G/l min is 700 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has no late payments on mortgages with 41 months reporting. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 116.11 months piti reserves | |||||||||||||||
| 9158593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 21.69 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 692 and minimum is 660 CFCFS1746: Significant housing expense reduction - XXX Comments: Subject housing payment decreased from XXX to XXX, 18.75%. | |||||||||||||||
| 8059016 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 661 mid-score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 88.13 months of reserves in file. CFCFS2860: Good credit history - XXX Comments: 0x30 consumer credit history since XXX per CBR. | |||||||||||||||
| 9101409 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Provide a copy of the current Flood HOI Dec page verifying XXX premium and sufficient coverage. | 3.19.25 NO Doc was uploaded - please re-submit. exception remains. 3.21.25 flood policy has been uploaded.3.21.25 exception satisfied | 3.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 759 median FICO. Minimum required 620. CFCFS1737: LTV below guideline requirements - XXX Comments: Verified 65% LTV. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified XXX in post-closing reserves. None required with LTV 65% and DSCR >1%. |
| 9031876 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1 | 1.3.25 Please find the final SS for review.1.3.25 excerption satisfied | 1.3.25 excerption satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 128+ months cash reserves. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. |
| 8999150 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 12.03.2024-Client's response: XXXPlease find the final SS for review.12.03.2024-XXX's response: Received the final HUD1, exception is satisfied. | 12.03.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves $XXX, 32.08 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 704 exceeds the minimum required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 44 months reviewed for primary residence and subject property |
| 9036060 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 22+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 77 months credit history exceeds guidelines. | |||||||||||||||
| 9101447 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves from cash out; XXX*6= XXX reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 664 qual score; min 620. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 19mo. 0X30 mortgage payment history; 0x30x12 required. | |||||||||||||||
| 9101429 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.20.25 please find the final SS2.20.25 exception satisfied | 2.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 50+ months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - XXX Comments: 3+ years at current residence. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. |
| 9031945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 91+ Months positive Consumer Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 111 Months Reserves | |||||||||||||||
| 9067409 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 143+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 103 Months Reserves CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 35+ Months Mortgage History reporting | |||||||||||||||
| 9031907 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1 | 12.26.24 please find the final SS for review.12.26.24 exception satisfied | 12.26.24 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX post close reserves, 116.74 months PITIA; 0 required reserves CFCFS1741: Credit score exceeds guidelines - XXX Comments: 743 credit score; 680 minimum required score CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Credit reflects oldest tradeline date XXX. |
| 9036013 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 31.02 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 54.29% is below guideline maximum of 75% for a DSCR with a ratio < 1.0. CFCFS1736: Significant time at current residence - XXX Comments: In residence 11 years. | |||||||||||||||
| 9067370 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: 70.0% LTV < guideline requirement of 75% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves in file or 141.68 months PITI > required guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have owned primary / current residence for 27 years | |||||||||||||||
| 9067343 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 63 Months Reserves CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 41+ Months reporting positive | |||||||||||||||
| 9101361 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing flood declarations page. | 3.19.25 Flood insurance policy has been provided, 3.19.25 exceptions satisfied | 3.19.25 exceptions satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 5 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 85+ months reserves exceeds guidelines. |
| 9067404 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 2.25.2025-Client's response: XXX, 1:55:03 pmPlease find the final SS for review.2.25.2025-XXX's response: Document provided does not have a disbursement date or certified by the closing company. Exception remains.3.3.25 please find the final SS3.3.25 exception satisfied | 3.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Credit reflects oldest tradeline XXX, reporting 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 785 credit score; 620 minimum required score CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX post close reserves, 43.48 months PITIA; 0 required reserves |
| 9067381 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Hazard Declarations Page with XXX Coverage | 2.19.25 HOI with coverage for the loan amount has been uploaded. | 2.20.25 exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 116 Months Reserves CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 36+ Months positive Mortgage History |
| 9067326 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payments history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves exceeds guidelines. | |||||||||||||||
| 9067368 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Fully Executed Cash Out Letter by Guarantor. Cash Out letter in file is signed by XXX and not XXX (Guarantor) | 3.4.25 executed cashout letter uploaded3.4.25 exception satisfied | 3.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 106+ Months Consumer Credit reporting positive CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 44+ Months positive Mortgage History |
| 9067327 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month payment history for XXX #XXX secured to subject property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 70% is below the maximum of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 782 exceeds the minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash back XXX, 55.35 months reserves, 3 months reserves required |
| 9067327 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.4.25 Final settlement statement has been uploaded,3.4.25 exception satisfied | 3.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 70% is below the maximum of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 782 exceeds the minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash back XXX, 55.35 months reserves, 3 months reserves required |
| 9067359 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets are XXX, or 68.95 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 71.43% is below guideline maximum of 80% for a DSCR cash out refinance with a 770 credit score. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with a history from 4/2021. | |||||||||||||||
| 9067374 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 20 years 3 months at current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 740 is 120 points above the 620 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 70% is 10% below the 80% LTV allowed for the program. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 23 months PITIA is 20 months greater than the 3 months reserves required. | |||||||||||||||
| 9067380 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 54+ months reserves exceeds guidelines. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 307 months credit history exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. | |||||||||||||||
| 9101378 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 27+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 234 months credit history exceeds guidelines. | |||||||||||||||
| 9067364 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 112+ months cash reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. | |||||||||||||||
| 9067424 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 6.64 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75% is below guideline maximum of 80% for a DSCR rate/term refinance with a705 credit score. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX | |||||||||||||||
| 9101364 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 46+ months reserves exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. | |||||||||||||||
| 9101391 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 27+ months reserves exceeds guidelines. | |||||||||||||||
| 9067430 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Credit Exception in file for having 11 properties. Lender Exception in the file. XXX deems this non-material due to the following compensating factors; 767 credit score, 109 months in reserves and 70% Loan to Value. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 110 Months Reserves CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 44+ Months reporting |
| 9101365 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 251 Months credit history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. | |||||||||||||||
| 9067350 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 10+ months cash reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. | |||||||||||||||
| 9067330 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.25.25 final settlement statement has been uploaded2.25.5 Exception satisfied | 2.25.5 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: Post close reserves are XXX, or 5.79 months. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 68.68% is below guideline maximum of 80% for a DSCR purchase with a 790 credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 790 exceeds guideline minimum of 620 for a DSCR purchase at 68.68% LTV. |
| 9067331 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14 Months Reserves CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 27+ Months Consumer Credit reporting | |||||||||||||||
| 9101455 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX post close reserves, 14.05 months PITI; 6 months required reserves CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned the primary residence 5.17 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: 760 credit score; 700 minimum required score | |||||||||||||||
| 9101432 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has good credit history CFCFS1736: Significant time at current residence - XXX Comments: Borrower in current residence for 2 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified 32.02 months reserves CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences CFCFS1741: Credit score exceeds guidelines - XXX Comments: 802 exceeds 700 FICO score | |||||||||||||||
| 9067341 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 796 is 116 points above the 680 FICO required for the program. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 55 months ITIA is 49 months greater than the 6 months reserves required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 74.01% is 5.99% below the 80% LTV allowed for the program. | |||||||||||||||
| 9067412 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | 12 months prior rental history required, 0 months verified. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 55.19% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 798 mid-score per CBR CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 95 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 45.38 months of reserves in file. |
| 9101427 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Income/Employment | Active | C | B | C | B | CRDINC150 | Income docs do not meet guidelines | No | 1. Provide proof the lease agreement will remain for at least 6 months after closing. DSCR loan. Lender used actual rent to determine 1.19%. The Lease Agreement in the file is valid until XXX, which is <6 months after closing. Guides require 6 months minimum remain after closing.2. Provide three months proof of recent of rent for XXX. Two months bank statements provided show "Remote Deposit". | 4.1.2025 Client responded - Bank statement for Feb 2025 showing the XXX rent has been provided along with the credit exception for the lease having less than 6 months remining. please clear condition.4.1.2025 Client provided the Bank statement with the XXX received on XXX and a Credit Exception for using actual rents with less than 6 months lease. with Compensating factors of excellent credit, substantial equity and a seasoned investor. XXX response: Upon further review by Sr. XXX UW, XXX deems this non-material due to the following compensating factorsException remains | 4.1.2025 Exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 809 median FICO. Minimum required 620. CFCFS1737: LTV below guideline requirements - XXX Comments: Verified 55.34% LTV. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified XXX in post closing reserves or 114.40 months PITI reserves. |
| 9101427 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Provide Condo questionnaire and budget. | 3.25.2025 Client responded -Condo questionnaire has been uploaded, please clear condition.3.25.2025 Client provided the Condo Questionnaire. Exception satisfied | 3.25.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 809 median FICO. Minimum required 620. CFCFS1737: LTV below guideline requirements - XXX Comments: Verified 55.34% LTV. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified XXX in post closing reserves or 114.40 months PITI reserves. |
| 9067347 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 77+ Months reporting positive CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 60+ Months reporting | |||||||||||||||
| 9067355 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.25.25 Final settlement statement has been uploaded2.25.25 exception satisfied | 2.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: File has 30 months in reserves. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 757, min is 620. CFCFS1736: Significant time at current residence - XXX Comments: Borrower is been at current residence for 26 years. |
| 9067426 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Guidelines require XXX equity for subject property. Subject property has XXX. XXX deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 97+ months reserves exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. |
| 9067391 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide W-8BEN. | 2.19.25 W-8BEN has been uploaded, 2.19.25 exception satisfied | 2.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 87.87 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 42.90% is below guideline maximum of 75% for a DSCR Purchase with a 680 credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 680 exceeds guideline minimum of 620 for a DSCR purchase at 42.90% LTV. |
| 9101363 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1739: Postive mortgage payment history - XXX Comments: 48+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 67 Months Reserves | |||||||||||||||
| 9101386 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 111.83 months. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 65% is below guideline maximum of 80% for a DSCR cash out refinance with a 733 credit score. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX | |||||||||||||||
| 9067390 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 122+ Months reporting positive CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 39+ Months reporting positive | |||||||||||||||
| 9067360 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 135+ Months reporting positive CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 94+ Months reporting CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History | |||||||||||||||
| 9101430 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 74.41 months. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 69.62% is below guideline maximum of 75% for a DSCR cash out refinance with a 684 credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 684 exceeds guideline minimum of 620 for a DSCR Cash Out refinance at 69.62% LTV. | |||||||||||||||
| 9067361 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Need all citizenship/residency documentation translated. | 2.25.25 Client responded -Per guides only doc needed for borrower is passport and proof of citizenship there is no requirement for translation for no documents please clear findings.2.25.2025 After further review, W-8 and passport in file. Loan closed as a XXX. Exception satisfied | 2.25.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived 5 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14+ months cash reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Borrower has good credit history. |
| 9101362 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: 69.77% LTV < guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 772 qualifying score exceeds 620 requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves in file or 103.72 months PITI > required guidelines | |||||||||||||||
| 9101380 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1 | 3.10.25 Please find the SS for review.3.10.25 exception satisfied | 3.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: XXX post close reserves, 42.98 months PITIA; 6 months required reserves CFCFS1741: Credit score exceeds guidelines - XXX Comments: 720 credit score; 680 minimum required score CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Credit reflects oldest tradeline date XXX. |
| 9101393 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Insurance policy to verify coverage and premium. | 3.10.25 Please find the final flood for review.3.10.25 exception satisfied | 3.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 52mo. 0X30 mortgage payment history; 0x30x12 required. CFCFS1737: LTV below guideline requirements - XXX Comments: 74.59% LTV; max 80%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves; XXX*6= XXX reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 726 qual score; min 680. |
| 9067427 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 717 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 172 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 120 months of reserves in file. | |||||||||||||||
| 9101404 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 61.20%, max is 80%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 812, min is 620. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: File has 8.47 months in reserves, no reserves required. | |||||||||||||||
| 9101387 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 783 qualifying score exceeds 620 requirements CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV < guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves in file or 430.77 months PITI > required guidelines | |||||||||||||||
| 9101400 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Declaration Page | 3.18.2025 Client responded - Please find the flood ins3.18.2025 Client provided proof of Flood Insurance. Exception satisfied | 3.18.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 43+ Months reporting positive CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 11 Months Reserves |
| 9101416 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Property appraised for XXX with a loan amount of XXX with equity of XXX which is less than XXX required by guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 74.67% LTV < guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 773 qualifying score exceeds 620 requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves in file or 112.59 months PITI > required guidelines |
| 9101433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Verifiable Full 2 Year United States Housing History. Lender Exception in file. XXX deems this non-material due to the following compensating factors, FICO 742, LTV 75% max 80%, excellent rental history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 38+ Months reporting CFCFS1739: Postive mortgage payment history - XXX Comments: 18+ Months positive Rental History CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History |
| 9101367 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 11+ Months verified reserves exceeds guidelines. | |||||||||||||||
| 9067419 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 38.16 months. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 70% is below guideline maximum of 80% for a DSCR cash out refinance with a 751 credit score. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX | |||||||||||||||
| 9101448 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX or 10.93 months. 3 months required. CFCFS1736: Significant time at current residence - XXX Comments: In residence 10 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 661 exceeds guideline minimum of 620 for a DSCR Cash Out Refinance at 70% LTV. | |||||||||||||||
| 9101405 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 315 Months Reserves CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 113+ Months reporting positive | |||||||||||||||
| 9101461 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 781 credit score; 700 minimum required score CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX post close reserves, 64.88 months PITIA; 6 months required reserve CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Credit reflects 0x30x23 mortgage payment history | |||||||||||||||
| 9101420 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at residence 10 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 63+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. | |||||||||||||||
| 9101466 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves from cash out; XXX*6= XXX reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 28mo. 0X30 mortgage payment history; 0x30x12 required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 756 qual score; min 680. | |||||||||||||||
| 9101368 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing proof of flood insurance in File | 3.21.2025 Client responded - flood insurance attached.3.21.2025 Client provided the flood insurance for the subject property. Exception satisfied. | 3.21.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 7.05 months. Reserves not required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 60% is below guideline maximum of 75% for a DSCR cash out refinance with a 680 credit score. CFCFS1736: Significant time at current residence - XXX Comments: In residence 4 years |
| 9101437 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 705, min is 620. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 5 years. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history is 0x30 for 52 months. | |||||||||||||||
| 9101415 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 54+ months reserves exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. | |||||||||||||||
| 9101441 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% is greater than 70% allowed per guidelines with a credit score below 680. Credit exception in file for 75%. Client will do this on a case by case basis. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 662 qualifying score exceeds 620 requirements CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 48 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves in file or 27.35 months PITI > required guidelines |
| 9101442 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 70+ months reserves exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. | |||||||||||||||
| 9101438 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV; max 80%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 757 qual score; min 680. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves from cash out; XXX*6= XXX reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 99mo. 0X30 mortgage payment history; 0x30x12 required. | |||||||||||||||
| 9101445 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 203.89 months. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 681 exceeds guideline minimum of 620 for a DSCR purchase at 70% LTV. CFCFS1736: Significant time at current residence - XXX Comments: In residence 4 years. | |||||||||||||||
| 9101382 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Current LTV is 75% and Max LTV is 70%. XXX deems this non-material due to the following compensating factors twenty months in reserves, same business since 2018 and had current residence for 2 years. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20 Months Reserves CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 109+ Months Reporting |
| 9101388 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing HMDA information and page 7, 9, 10, 11 and 12 of final 1003. | 3.12.25 All pages for the 1003 have been provided, 3.12.25 exception satisfied | 3.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 40 months reviewed for subject mortgage exceeds the 12 months required CFCFS1736: Significant time at current residence - XXX Comments: Over 25 years residing in primary residence CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 745 exceeds the minimum of 620 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 69.05% is below the maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back XXX 38.28 months reserves, 3 months required |
| 9101388 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing declaration page for flood insurance supporting coverage and effective dates and monthly payment of XXX | 3.11.2025 Client responded - Flood policy with the effective dates and premium which supports XXX monthly has been uploaded, please clear condition.3.11.2025 Client provided the Flood policy. Exception satisfied | 3.11.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 40 months reviewed for subject mortgage exceeds the 12 months required CFCFS1736: Significant time at current residence - XXX Comments: Over 25 years residing in primary residence CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 745 exceeds the minimum of 620 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 69.05% is below the maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back XXX 38.28 months reserves, 3 months required |
| 9101458 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 3.19.25 please find final SS3.19.25 exception satisfied | 3.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: XXX / XXX(PITI) = 106.48 Months Reserves CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 99+ Months reporting |
| 9101465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 75+ months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 6 years. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. | |||||||||||||||
| 9101359 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 3.27.2025 Client responded - please find the HOA questionnaire for review.3.27.2025 Client provided Condo HOA Questionnaire. Exception satisfied | 3.27.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 7.59 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 703 exceeds guideline minimum of 640 for a DSCR purchase with a ratio < 1.0. CFCFS1736: Significant time at current residence - XXX Comments: In residence 8 years. |
| 9101422 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | <XXX Equity...There is a Credit Exception Request in file. Lender allows on a Case by Case basis | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 41 Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 18 Months Reserves |
| 9101398 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Guidelines require XXX equity in the property, this property has XXX in equity. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 41+ Months reporting CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 397+ Months reporting |
| 9101439 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6 months Reserves Required, borrower has 124.40 months CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 12 months payment history required, credit reports 41 months CFCFS2860: Good credit history - XXX Comments: Borrower has no history of late payments | |||||||||||||||
| 9101370 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 264+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 89 Months Reserves CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 61+ Months positive Mortgage History | |||||||||||||||
| 9101402 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Lender approved exception in file for short reserves; Borrower has appx. 4.8 months reserves with 78.76% LTV. Compensating factors are FICO, significant time in residence and good mortgage history. Client does this on a case by case basis. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 qualifying score exceeds 620 requirements CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 10+ years CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 108 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9101402 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD; HUD in file is marked as Estimated. | 3.24.2025 Client responded - please find the SS3.24.2025 Client provided the Final Settlement Statement. Exception satisfied | 3.24.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 qualifying score exceeds 620 requirements CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 10+ years CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 108 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9101394 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.11.25 Final settlement statement has been uploaded, 3.12.25 exception satisfied | 3.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 779 credit score; 720 minimum required score CFCFS1736: Significant time at current residence - XXX Comments: 27.83 years at the primary residence CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX post close reserves, 63.11 months PITI; 6 months required reserves |
| 9101394 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the Fema Disaster- XXX Wildfires & Straight line winds Appraisal is dated XXX | 3.12.25 PDI has been provided, 3.12.25 exception satisfied | 3.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 779 credit score; 720 minimum required score CFCFS1736: Significant time at current residence - XXX Comments: 27.83 years at the primary residence CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX post close reserves, 63.11 months PITI; 6 months required reserves |
| 9101453 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Excellent Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 89 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 82+ Months reporting | |||||||||||||||
| 9101408 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Credit exception in file for minimum equity exception of XXX. XXX equity not met. XXX deems exception non material to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 83+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 4+ years. |
| 9101418 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 10.26 months. 56 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75% is below guideline maximum of 80% for a DSCR purchase with a 797 credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit core of 797 exceeds guideline minimum of 680 for a DSCR purchase at 75% LTV. | |||||||||||||||
| 9101399 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 167+ Months Consumer Credit reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 43+ Months reporting positive CFCFS2860: Good credit history - XXX Comments: Very Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 110 Months Reserves | |||||||||||||||
| 9101372 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 24+ Months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 7+ years. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. | |||||||||||||||
| 9101431 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 64+ months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 6+ years. | |||||||||||||||
| 9101374 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Evidence of Good Standing as Guarantor is using Funds from XXX Business Bank Account. Missing Evidence of Ownership | 3.31.25 Please find the XXX info.4.1.25 Op agreement provided. Active license also verified via:https:XXX | 4.1.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 77 Months Reserves CFCFS2860: Good credit history - XXX Comments: Demonstrates good credit history CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 44+ Months reporting |
| 9101413 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 19 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 137+ Months reporting CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History | |||||||||||||||
| 9101383 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 82+ Months reporting positive CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 25+ Months reporting positive | |||||||||||||||
| 9101395 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: XXX reserves in file or 64.11 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 722 qualifying score exceeds 620 requirements CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 9101436 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing Credit Report. | 3.14.2025 Client responded -Uploaded the CR3.14.2025 Client provided the Credit report. Exception satisfied | 3.14.2025 Exception satisfie | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit scores exceed guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.99 is below 80% allowed per guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 5 years. |
| 9101436 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | Missing Credit Report. | 3.14.2025 Client responded -Uploaded the CR3.14.2025 Client provided the Credit report. Exception satisfied | 3.14.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit scores exceed guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.99 is below 80% allowed per guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 5 years. |
| 9101436 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | Missing 1007 to complete DSCR. | 3.14.2025 Client responded - updated appraisal showing 10073.14.2025 Client provided the 1007 verifying market rent. Exception satisfied | 3.14.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit scores exceed guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.99 is below 80% allowed per guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 5 years. |
| 9101436 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2442 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Provide a third party valuation that supports the appraised value of XXX | 3.14.2025 Client responded -Please find the CU for review.3.14.2025 Client provided the CU report with a UCDP of 1.0. Exception satisfied | 3.14.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit scores exceed guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.99 is below 80% allowed per guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 5 years. |
| 9101360 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 13+ years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 741 qualifying score exceeds 620 requirements CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 198 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 9101425 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 3.21.25 HOA questionnaire has been provided,3.21.25 exception satisfied | 3.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 20.80 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 747 exceeds guideline minimum of 680 for a DSCR purchase at 75% LTV. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with a history from XXX. |
| 9101462 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 24.12 months. 6 months required. CFCFS1736: Significant time at current residence - XXX Comments: In residence 9 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 725 exceeds guideline minimum of 680 for a DSCR purchase at 75% LTV. | |||||||||||||||
| 9101446 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing declarations. | 3.25.25 HOI has been provided, 3.25.25 exception satisfied | 3.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 10 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14+ months reserves exceeds guidelines. |
| 9101446 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.27.2025 Client responded - Final settlement statement has been uploaded, please clear condition.3.27.2025 Client provided the Final Settlement Statement. Exception satisfied | 3.27.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Borrower demonstrates good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 10 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14+ months reserves exceeds guidelines. |
| 9101463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 37 Months Reserves CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 80+ Months Reporting | |||||||||||||||
| 9101450 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 107+ months reserves exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower demonstrates positive mortgage payment history. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence 10 years. | |||||||||||||||
| 9101396 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6 Months Reserves required, borrower has 14.91 months CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 12 Months payment history required, credit reports over 60 months CFCFS1739: Postive mortgage payment history - XXX Comments: No history of any late payments in over 60 months | |||||||||||||||
| 9101390 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan to value is limited to 75% due to seasoning requirements. LTV is 80%. XXX deems this non-material due to the following compensating factors; 787 FICO, 12 months in reserves, and seasoned investor. | (No Data) | Non-Material. | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 227+ Months reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 68+ Months Reporting |
| 9101384 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.24.25 final settlement statement has been uploaded3.24.25 exception satisfied | 3.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 731 credit score; 620 minimum required score CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Credit reflects oldest tradeline date XXX CFCFS1736: Significant time at current residence - XXX Comments: B2 has owned the primary residence 11 years |
| 9101423 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 93.25 months. Reserves not required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 60% is below guideline maximum of 80% for a DSCR purchase with a 750 credit score. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX | |||||||||||||||
| 9101454 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 135.84 months. Reserves not required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 61.20% is below guideline maximum of 75% for a DSCR Cash Out Refinance with a 688 credit score. CFCFS1736: Significant time at current residence - XXX Comments: In residence 15 years. | |||||||||||||||
| 9104869 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 776 median FICO. Minimum required 640. CFCFS1737: LTV below guideline requirements - XXX Comments: Verified 75% LTV. Max allowed 85%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified XXX or 111.81 months PITI reserves. No reserves required <XXX loan amount. | |||||||||||||||
| 9104873 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation to clear fraud report alert on appraiser. Provide ASC search. | 3-31-25: client provided copy of ASC search. | 3-31-25: ASC search confirms appraiser is active in the registry. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% exceeds the maximum of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 771 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 204.67 months reserves, 0 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 34 months reviewed for primary residence mtg exceeds the 12 months required CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 2.0241 (STR Rent XXX/ Expenses XXX ) |
| 9104876 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 5 years at current residence. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 5%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 795 is 95 points above the 700 FICO required for the program. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 26 months PITIA vs 0 months reserves required. | |||||||||||||||
| 9104877 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX , 171.42 months. 0 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is below the maximum allowable of 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 748 is above the required 660. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 32 months exceeds the required 12 months. | |||||||||||||||
| 9104878 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 715 exceeds the guideline program minimum of 660 CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV below guideline requirements of 85% per program. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: Post closing reserves XXX, 3.87 months; no reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 20 months exceeds the required 12 months. | |||||||||||||||
| 9158603 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Provide corrected HUD as HUD dated XXX does not reflect correct amount on line 303. (Line 120 Gross amount due XXX - L/A XXX - Due Diligence XXX- Taxes XXX - refund DD XXX - 1031 Exchange proceeds XXX = XXX) | 5-23-25: client uploaded updated HUD1. | 5-23-25: XXX reviewed updated HUD1, corrected calculations confirm borrower overpayment of XXX. Line 120 Gross amount due XXX - L/A XXX - Due Diligence XXX- Taxes XXX - refund DD XXX - 1031 Exchange proceeds XXX = XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 9 years at current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 800 is 140 points above the 660 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 5.81%. |
| 9104880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. | 5-22-25: client uploaded CDA. | 5-22-25: XXX reviewed CDA, value supported. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 17 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 123.47 months; 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 761 and minimum is 700 |
| Client Name: | ||||
| Client Project Name: | MSRM 2025-DSC2 | |||
| Start - End Dates: | 5/1/2024 - 5/21/2025 | |||
| Deal Loan Count: | 224 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 224 | |||
| Loans with Conditions: | 79 | |||
| Loan Number | TRID Indicator | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 8148628 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 8997680 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | No |
| 9104544 | Yes | XXXXXX | XXXXXX | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | No |
| 9104549 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 9042398 | Yes | XXXXXX | XXXXXX | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/A | Yes |
| 9104555 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104564 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| 9104565 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104568 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104569 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104573 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104580 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158357 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104591 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| 9104592 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 9104596 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104598 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104601 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 9104619 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104625 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104629 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104637 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104641 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158362 | Yes | XXXXXX | XXXXXX | C | B | C | A | B | B | N/A | N/A | C | B | C | A | B | B | N/A | N/A | Yes |
| 9104672 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104687 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104690 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104695 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9104705 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104706 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9104709 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104714 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9104719 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 9104721 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158365 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104729 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9137744 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9137745 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104738 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 9104739 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104740 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104746 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104751 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104754 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104765 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104769 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9137750 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9104772 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 9137751 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104776 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9104778 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104785 | Yes | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Not Applicable |
| 9104787 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104792 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9104796 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104797 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9104813 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 9104841 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9137765 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158375 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104852 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 9137769 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9104857 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158378 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137780 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158380 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9158381 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9137787 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 9137791 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137792 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158389 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9137808 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9137809 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9137815 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137817 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 9137824 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9137833 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137835 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9137843 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158428 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137852 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| 9158430 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158433 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137860 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9137861 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158438 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 9137873 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9158444 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158447 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158450 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 9137886 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9137888 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137890 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158459 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158461 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9137901 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158471 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158472 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 9137913 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158478 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158485 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 9158487 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9158502 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158505 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 9158508 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9158513 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158535 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158542 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158544 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158547 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158558 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158568 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158577 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158593 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 8059016 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101409 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9031876 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 8999150 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9036060 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101447 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9101429 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 9031945 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9067409 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9031907 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9036013 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9067370 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9067343 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9101361 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Yes |
| 9067404 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9067381 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 9067326 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9067368 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 9067327 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 9067359 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9067374 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9067380 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9101378 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9067364 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9067424 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101364 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9101391 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9067430 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 9101365 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9067350 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 9067330 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9067331 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9101455 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9101432 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9067341 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9067412 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 9101427 | Yes | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable |
| 9067347 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9067355 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9067426 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 9067391 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9101363 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9101386 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9067390 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9067360 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9101430 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9067361 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Yes |
| 9101362 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101380 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9101393 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9067427 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101404 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9101387 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101400 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9101416 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9101433 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 9101367 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9067419 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9101448 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101405 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9101461 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9101420 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9101466 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101368 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9101437 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9101415 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101441 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9101442 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9101438 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101445 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101382 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 9101388 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 9101458 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9101465 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9101359 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 9101422 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 9101398 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 9101439 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101370 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9101402 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 9101394 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | No |
| 9101453 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9101408 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 9101418 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101399 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9101372 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 9101431 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 9101374 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 9101413 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9101383 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9101395 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101436 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Yes |
| 9101360 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101425 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | No |
| 9101462 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9101446 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 9101463 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9101450 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9101396 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101390 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 9101384 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9101423 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101454 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104869 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104873 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| 9104876 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104877 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9104878 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9158603 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9104880 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |