Exhibit 99.1 Schedule 1
| Client Name: | ||||||||||||||||||||||||||||||||||||
| Client Project Name: | ACHM 2025-HE2 | |||||||||||||||||||||||||||||||||||
| Start - End Dates: | 9/5/2023 - 7/15/2025 | |||||||||||||||||||||||||||||||||||
| Deal Loan Count: | 667 | |||||||||||||||||||||||||||||||||||
| Conditions Report 2.0 | ||||||||||||||||||||||||||||||||||||
| Loans in Report: | 667 | |||||||||||||||||||||||||||||||||||
| Loans with Conditions: | 31 | |||||||||||||||||||||||||||||||||||
| 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 |
| 5000027293 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has 10 years on current job | |||||||||||||||
| 5000031888 | 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 at current residence 8 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Positive mortgage payment history 0x30x66 | |||||||||||||||
| 5000033509 | 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: Fico score 666 exceeds guide lines. CFCFS1737: LTV below guideline requirements - xxx Comments: CLTV 56.97% is below lender's guide line maximum of 80%. | |||||||||||||||
| 5000042877 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 7 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 9 years CFCFS1737: LTV below guideline requirements - xxx Comments: 54.23% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 836 is 196 points above program guideline minimum of 640. CFCFS1744: DTI below guideline requirement - xxx Comments: 37.48% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000042934 | 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: Exceeds 640 CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 43% | |||||||||||||||
| 5000043662 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000044061 | 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: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 26.54% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000044081 | 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: Borrower credit score of 667 exceeds min score requirement of 640. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Credit report with a mortgage rating of 0x30x36. CFCFS1737: LTV below guideline requirements - xxx Comments: CLTV of 75.84% is below max CLTV of 80%. | |||||||||||||||
| 5000044084 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 17 yyears CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000044146 | 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: Exceeds 700 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044183 | 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: Borrower credit score of 670 exceeds min score requirement of 640. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 33.45% is below max DTI of 43%. CFCFS1737: LTV below guideline requirements - xxx Comments: CLTV of 46.20% is below max CLTV of 80%. | |||||||||||||||
| 5000044200 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000044253 | 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 44.82% is below maximum of 80%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrower credit score of 679 exceeds min score requirement of 640. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence, 14.83 years. | |||||||||||||||
| 5000044258 | 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 at current residence, 5.58 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0x30x33. | |||||||||||||||
| 5000044267 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 80% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000044311 | 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: Exceeds 700 | |||||||||||||||
| 5000044326 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 | |||||||||||||||
| 5000044342 | 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: Exceeds 600 | |||||||||||||||
| 5000044353 | 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: Mortgage payment history exceeds guidelines; 0x30 for 40+ months CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 19 years and 9 months | |||||||||||||||
| 5000044377 | 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: Below 85% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000044385 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 16 years | |||||||||||||||
| 5000044386 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 6 years and 6 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 806 is 106 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.09% DTI is below guideline requirement of 43.00%. CFCFS1737: LTV below guideline requirements - xxx Comments: 79.78% LTV below guideline requirements of 85.00% per program. | |||||||||||||||
| 5000044413 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 CFCFS1736: Significant time at current residence - xxx Comments: Lived in the home for 10 years | |||||||||||||||
| 5000044415 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 11 years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score exceeds 640 | |||||||||||||||
| 5000044417 | 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: Exceeds 640 CFCFS1736: Significant time at current residence - xxx Comments: Lived in the home for 14 years CFCFS2854: Significant time in profession - xxx Comments: In the profession for 14 years | |||||||||||||||
| 5000044436 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044443 | 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: Exceeds 700 CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 12 years | |||||||||||||||
| 5000044466 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X43. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, 16.75 years. | |||||||||||||||
| 5000044486 | 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: Exceeds 700 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 85% | |||||||||||||||
| 5000044500 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI is below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 | |||||||||||||||
| 5000044502 | 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 at current residence, 5.08 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Positive mortgage payment history 0X30X60. | |||||||||||||||
| 5000044503 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 9 years CFCFS1736: Significant time at current residence - xxx Comments: 20 years in the home | |||||||||||||||
| 5000044504 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 | |||||||||||||||
| 5000044509 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: The borrower has been on the same job for 9 years | |||||||||||||||
| 5000044521 | 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: Borrower Mortgage payment 0x12x34 CFCFS1741: Credit score exceeds guidelines - xxx Comments: 694 FICO exceeds minimum 640. | |||||||||||||||
| 5000044526 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | Value is not supported by AVM #1 -33.8503%, AVM #2 -16.6864%, AVM #3 -34.9312 or BPO -24.3386. | 02/28/2025- Client acknowledges value not supported. | 02/28/2025- xxx initial and final grade C, waived. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 21 yers CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 45 months mortgage history |
| 5000044542 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has 16 years & 6 months at current job CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Mortgage payment 0x12x86 | |||||||||||||||
| 5000044546 | 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: Exceeds 640 CFCFS1737: LTV below guideline requirements - xxx Comments: below 80% CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer or 17 years | |||||||||||||||
| 5000044549 | 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: Min credit score required 640. File credit score 779. | |||||||||||||||
| 5000044565 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI is below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Score exceeds 640 CFCFS1737: LTV below guideline requirements - xxx Comments: LTV is below 80% | |||||||||||||||
| 5000044574 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 9 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 CFCFS1736: Significant time at current residence - xxx Comments: Living in the home for 15 years | |||||||||||||||
| 5000044580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044582 | 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: Below 85% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000044583 | 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: Borrower credit score of 715 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with employer in the past: 23 years. | |||||||||||||||
| 5000044591 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 700 | |||||||||||||||
| 5000044593 | 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 652 is 52 points above program guideline minimum of 600. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 9 years and 6 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history exceeds guidelines; 0x30 for 40+ months | |||||||||||||||
| 5000044594 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 85% | |||||||||||||||
| 5000044599 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 13 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 | |||||||||||||||
| 5000044601 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 42.48 is below min guidelines of 50%. | |||||||||||||||
| 5000044605 | 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: Below 80% CFCFS1736: Significant time at current residence - xxx Comments: Lived in the home for 16 years | |||||||||||||||
| 5000044619 | 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: Exceeds 640 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 18 years | |||||||||||||||
| 5000044630 | 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 57.38% is less than the guideline maximum of 80%. | |||||||||||||||
| 5000044634 | 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: Exceeds 700 CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% | |||||||||||||||
| 5000044635 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 6 years and 4 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 9 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 723 is 53 points above program guideline minimum of 670. CFCFS1744: DTI below guideline requirement - xxx Comments: 37.84% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000044651 | 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: Exceeds 640 CFCFS1744: DTI below guideline requirement - xxx Comments: DTI is below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044674 | 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: Exceeds 700 CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% | |||||||||||||||
| 5000044686 | 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: 22 Years and 6 months at current residence. | |||||||||||||||
| 5000044696 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 39.82% is below max DTI of 43%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Verified 708 FICO score. Minimum required 640. | |||||||||||||||
| 5000044715 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044730 | 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: Credit report reflects a mortgage rating of 0x30x99. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 30.52% is below max DTI of 43%. | |||||||||||||||
| 5000044739 | 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: Exceeds 700 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Exceeds 12 months | |||||||||||||||
| 5000044744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX employed for 7 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 CFCFS1736: Significant time at current residence - xxx Comments: Lived in the home for 7 years | |||||||||||||||
| 5000044755 | 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: Below low 80% CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 22 years | |||||||||||||||
| 5000044759 | 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 the subject property for 25.42 years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been employed with current employer for 27.42 years. CFCFS1737: LTV below guideline requirements - xxx Comments: CLTV of 57.88% is < the maximum of 80%. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 26.40% is < maximum of 43%. | |||||||||||||||
| 5000044766 | 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: 42+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 36 months CFCFS1744: DTI below guideline requirement - xxx Comments: 32.33% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000044778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | XXX High-Cost Loan by exceeding points and fees threshold | 7.14.25-Client requested to waive Per previous findings. | 7.14.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has resided in current owner occupied residence for 5 years and 9 months. |
| 5000044778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5381 | ILCK High-Cost Loan by exceeding APR threshold | No | XXX High-Cost Loan by exceeding APR threshold | 7.14.25-Client requested to waive Per previous findings. | 7.14.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Borrower has resided in current owner occupied residence for 5 years and 9 months. |
| 5000044791 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Loan DTI of 28.51% is less than the maximum DTI of 43% | |||||||||||||||
| 5000044795 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 4 months CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000044803 | 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 6.3 years at current residence. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 41.70 is below 50% guidelines. | |||||||||||||||
| 5000044804 | 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 at current residence; 28 years and 7 months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 1 month CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 660 is 60 points above program guideline minimum of 600. | |||||||||||||||
| 5000044821 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044847 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 50% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV is below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000044849 | 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 at current residence 25 years. | |||||||||||||||
| 5000044851 | 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: HCLTV of 44.99% is below maximum of 85% CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence, 8 years 9 months. | |||||||||||||||
| 5000044860 | 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: Mortgage payment history of 46 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 43.60% below guideline requirement of 50% | |||||||||||||||
| 5000044861 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing paystub from new employment with XXX. Report from The XXX reflects XXX with no proof this company is one in the same as XXX | 07/16/2025- Client provided updated 1003 reflecting XXX as current employer. | 07/16/2025- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence, 15.08 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X99. |
| 5000044865 | 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: Exceeds 640 CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: with the employer for 13 years | |||||||||||||||
| 5000044886 | 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 at 57% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 27.73% below guideline requirement of 45% | |||||||||||||||
| 5000044915 | 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 at current residence, 6.75 years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, 7.33 yeats. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X54. | |||||||||||||||
| 5000044918 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: 36.84% DTI is below guideline requirement of 43.00%. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 2 months | |||||||||||||||
| 5000044922 | 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: exceeds 640 CFCFS1737: LTV below guideline requirements - xxx Comments: exceeds 80% | |||||||||||||||
| 5000044933 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044938 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 35 years CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 3 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 39% DTI is below guideline requirement of 43.00%. CFCFS1737: LTV below guideline requirements - xxx Comments: 44.16% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000044941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000044942 | 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 12 years & 6 months at current residence CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has 5 years & 9 months at current job | |||||||||||||||
| 5000044968 | 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 at current residence, 5 years 5 months. CFCFS1739: Postive mortgage payment history - xxx Comments: Positive mortgage payment history 0x30x45. CFCFS1737: LTV below guideline requirements - xxx Comments: HCLTV of 73.77% is below maximum of 85% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrower credit score of 783 exceeds min score requirement OF 700 | |||||||||||||||
| 5000045000 | 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 below guideline requirements of 80% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 34.20% DTI is below guideline requirement of 43.00%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 18 years and 4 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years and 9 months | |||||||||||||||
| 5000045008 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 14 years and 3 months CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job; 11 years and 10 months CFCFS1737: LTV below guideline requirements - xxx Comments: 74.76% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 34.84% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045016 | 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: HCLTV of 72.97 is less than the guideline maximum of 80% CFCFS1744: DTI below guideline requirement - xxx Comments: DTI 35.88% is less than the guideline maximum of 43% | |||||||||||||||
| 5000045024 | 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: The borrower has lived at the current residence for 10 years. | |||||||||||||||
| 5000045030 | 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: 65.55% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 11 years and 10 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 6 months. | |||||||||||||||
| 5000045042 | 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 664 is 64 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history exceeds guidelines; 0x30 for 30+ months | |||||||||||||||
| 5000045048 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 6 years and 5 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history exceeds guidelines; 0x30 for 40+ months | |||||||||||||||
| 5000045057 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 13 years and 7 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.48% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045085 | 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 at current residence; 24 years and 2 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 68.83% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045107 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 | |||||||||||||||
| 5000045118 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | Appraised value not supported, no hits for AVMs, BPO -16.5744% variance. | Client acknowledges value not supported. | xxx initial and final grade C. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 |
| 5000045122 | 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: 68.75% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 30.87% DTI is below guideline requirement of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045147 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Borrowers 34.92% DTI is below the 43% max. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrowers 666 FICO score exceeds the 600 minimum. | |||||||||||||||
| 5000045149 | 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 at 63% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 12.58 years | |||||||||||||||
| 5000045162 | 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: Min credit score required 600. File credit score 624. | |||||||||||||||
| 5000045167 | 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: 48.60% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 23.31% DTI is below guideline requirement of 43.00%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 25 years and 9 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 15 years and 6 months | |||||||||||||||
| 5000045168 | 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 below guideline requirements of 80% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 24.39% DTI is below guideline requirement of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 32+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months | |||||||||||||||
| 5000045191 | 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: Verified 690 FICO score. Minimum required 600. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV of 71.92% is below max LTV of 80%. | |||||||||||||||
| 5000045210 | 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: Exceeds 640 CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000045214 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 9 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 7 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 70.14% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 752 is 152 points above program guideline minimum of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history exceeds guidelines; 0x30 for 40+ months | |||||||||||||||
| 5000045241 | 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: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS2854: Significant time in profession - xxx Comments: Significant time in profession; 5 years and 2 months. | |||||||||||||||
| 5000045245 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 | |||||||||||||||
| 5000045247 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceed 640 | |||||||||||||||
| 5000045262 | 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 at current residence; 5 years and 7 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 68.71% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 23.53% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045271 | 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: 71.43% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.34% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045275 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 11 years and 7 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 669 is 69 points above program guideline minimum of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 36+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045303 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges of $1,390.00 equal to 5.3060%; Maximum charges allowed $1,309.75 or 5.000%; charges exceed by $80.25 or .3060%. | 3.20.25-Client acknowledged tradeline exception. | 3.20.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 35.11% below guideline requirement of 43% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job of 5.08 years |
| 5000045303 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5381 | ILCK High-Cost Loan by exceeding APR threshold | No | The test APR is 12.6720%, the benchmark APR is 4.660% resulting in a difference of 8.012%. This exceeds the max loan rate/bench mark difference of 8.000%. | 3.20.25-Client acknowledged tradeline exception. | 3.20.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 35.11% below guideline requirement of 43% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job of 5.08 years |
| 5000045305 | 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: 66.62% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045331 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has 5 years & 2 months at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 5 years & 9 months at current residence | |||||||||||||||
| 5000045335 | 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: Exceeds 640 CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000045346 | 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: 59.71% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 756 is 116 points above program guideline minimum of 640. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.24% DTI is below guideline requirement of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045354 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | Value not supported by AVM 1 -37.9436% variance, AVM 2 -11.4228%, AVM 3 -37.9436%, BPO -27.7776%. | Client acknowledges value not supported. | xxx initial and final grade C. | Not Applicable | Not Applicable | (No Data) |
| 5000045358 | 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 the subject property for 9.75 years. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 39.22% is < maximum of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Current primary 1st mortgage reviewed for 42 months with 0x30. | |||||||||||||||
| 5000045367 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | B | A | B | A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Provide right of rescission form. | 03/25/25 Client provided the fully executed ROR form. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 1 month CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 768 is 168 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 5000045367 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Texas Home Equity | Satisfied | C | A | C | A | CMPTXHE118 | Texas Equity - Affidavit of Fair Market Value not signed by borr/owners | No | Provide Texas Equity - Affidavit of Fair Market document signed by borrower(s). | 03/25/25 Client provided the TX FMV Affidavit signed by borrower at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 1 month CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 768 is 168 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 5000045367 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Texas Home Equity | Satisfied | C | A | C | A | CMPTXHE327 | Texas Equity - Owner and Spouse not provided 3 calendar day ROR period | No | Provide right of rescission form. | 03/25/25 Client provided the fully executed ROR form. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 1 month CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 768 is 168 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 5000045380 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Max DTI 43% File 37.37% | |||||||||||||||
| 5000045388 | 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 at 54% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 5.33 years | |||||||||||||||
| 5000045403 | 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 at 45% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 28.98% below guideline requirement of 43% CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 16.75 years CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job of 7.92 years | |||||||||||||||
| 5000045418 | 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 at current residence; 11 years and 5 months CFCFS1744: DTI below guideline requirement - xxx Comments: 34.80% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045419 | 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 at current residence of 7.08 years CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - xxx Comments: Borrower only has 1/30 in the past 84 months. | |||||||||||||||
| 5000045421 | 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 at 70.10% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 37 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 40.34% below guideline requirement of 45% | |||||||||||||||
| 5000045425 | 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 in current owner occupied residence for 7 years and 9 month | |||||||||||||||
| 5000045428 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 44 years and 6 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045431 | 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 at current residence; 10 years and 1 month CFCFS1737: LTV below guideline requirements - xxx Comments: 66.87% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 30.54% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV is below 80% | |||||||||||||||
| 5000045437 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000045440 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has 8 years & 1 month at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 13 years at current residence CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has 5 years & 9 months at current job | |||||||||||||||
| 5000045457 | 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 at current residence, 9.33 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X17. | |||||||||||||||
| 5000045468 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000045469 | 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: Mortgage payment history of 63 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 23.97% below guideline requirement of 43% CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 10.58 years CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job of 12.42 years | |||||||||||||||
| 5000045472 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 11 years CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 26 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 46.60% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000045482 | 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: Exceeds 640 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 20 years | |||||||||||||||
| 5000045498 | 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: Exceeds 640 CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000045499 | 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: exceeds 640 CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000045504 | 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: 22.34% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 652 is 52 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.20% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045506 | 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 at current residence 5.08 years. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV of 63.93% is below maximum of 80%. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X51. | |||||||||||||||
| 5000045528 | 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: Mortgage payment history of 65 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 28.67 years CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job of 19.08 years | |||||||||||||||
| 5000045535 | 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 at 64% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 6 years | |||||||||||||||
| 5000045539 | 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: 67.70% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 667 is 67 points above program guideline minimum of 600. | |||||||||||||||
| 5000045544 | 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: exceeds 700 CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000045546 | 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: Exceeds 640 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000045557 | 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 at current residence; 7 years and 9 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 72.13% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 70+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 33.78% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X27. CFCFS1749: Additional documented income not used in qualifying - xxx Comments: B1 XXX 12 month average YTD +2024 $4,760+$21,977.08=$26,737.08/12=$2,228.09 | |||||||||||||||
| 5000045583 | 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 at 60% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 6 years | |||||||||||||||
| 5000045592 | 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 at current residence; 21 years and 6 months CFCFS1737: LTV below guideline requirements - xxx Comments: 32.05% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 29.14% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045596 | 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 at 64% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 5.58 years | |||||||||||||||
| 5000045598 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000045621 | 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: 63.22X% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 725 is 25 points above program guideline minimum of 700. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 5 years and 6 months | |||||||||||||||
| 5000045624 | 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: 67.54% LTV below guideline requirements of 80.00% per program. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 23 years and 5 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 19 years and 6 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045633 | 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: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history exceeds guidelines; 5 years and 1 month CFCFS1737: LTV below guideline requirements - xxx Comments: 79.78% LTV below guideline requirements of 85.00% per program. | |||||||||||||||
| 5000045635 | 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: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months | |||||||||||||||
| 5000045643 | 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: Borrower credit score of 618 exceeds min score requirement of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage history reflects 0 x 30 for the past 23 months. | |||||||||||||||
| 5000045661 | 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 31.74% is below max LTV of 80%. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 28.44% is below max DTI of 50%. | |||||||||||||||
| 5000045664 | 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: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 9 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 37.38% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045682 | 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 at current residence, 9.58. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job, 10.08 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X31. | |||||||||||||||
| 5000045685 | 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: Borrower credit score of 640 exceeds min score requirement of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage history reflects 0 x 30 for the past 37 months. | |||||||||||||||
| 5000045688 | 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 at current residence; 10 years and 5 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 51.08% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 744 is 144 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045691 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000045694 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X53. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence, 6.92 years. | |||||||||||||||
| 5000045700 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 19 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000045707 | 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: Exceeds 700 | |||||||||||||||
| 5000045712 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 16 years and 3 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 9 years and 6 months CFCFS1744: DTI below guideline requirement - xxx Comments: 32.15% DTI is below guideline requirement of 43.00%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 648 is 48 points above program guideline minimum of 600. CFCFS1737: LTV below guideline requirements - xxx Comments: 47.39% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000045713 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000045715 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 33 years and 9 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years and 6 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 697 is 97 points above program guideline minimum of 600. | |||||||||||||||
| 5000045719 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 15 years and 4 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 15 years and 3 months CFCFS1737: LTV below guideline requirements - xxx Comments: 56.71% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 34.15% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045727 | 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: Borrower credit score of 655 exceeds min score requirement of 600. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has lived at current residence for the past: 11 years. | |||||||||||||||
| 5000045744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 25.33% below guideline requirement of 43% CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 5 years CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job of 6.08 years | |||||||||||||||
| 5000045751 | 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 68.32%. The guideline max is 80%. | |||||||||||||||
| 5000045752 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has 5 years & 6 months at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 17 years at current residence CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has 7 years & 8 months at current job | |||||||||||||||
| 5000045753 | 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 at 80.30% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 39.55% below guideline requirement of 50% CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence of 27.5 years | |||||||||||||||
| 5000045754 | 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 | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | FEMA Disaster Declaration on 06/XX/2025 and effective from 04/XX/2025 due to Severe Storms, Flooding, Straight-line Winds, and Tornadoes in the area. Provide post-disaster property inspection report. May be subject to additional conditions upon review. | 07/14/2025- Client provided post disaster inspection with no damage. | 07/14/2025- Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 673 is 73 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 23.91% DTI is below guideline requirement of 43.00%. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 36+ months |
| 5000045755 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 8 years CFCFS1736: Significant time at current residence - xxx Comments: in the home for 5 years | |||||||||||||||
| 5000045766 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000045773 | 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 at 72% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 33.44% below guideline requirement of 43% CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job of 9.17 years CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job of 5.5 years | |||||||||||||||
| 5000045774 | 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 at current residence; 8 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 56.88% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 714 is 114 points above program guideline minimum of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months | |||||||||||||||
| 5000045780 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X47. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence, 8.83 years. | |||||||||||||||
| 5000045787 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 18 years and 7 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 20 years and 3 months CFCFS1737: LTV below guideline requirements - xxx Comments: 75% LTV below guideline requirements of 80% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 36.42% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045797 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: 38.35% DTI is below guideline requirement of 43.00%. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045813 | 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: Borrower credit score of 713 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has been with employer in the past: 11 years. | |||||||||||||||
| 5000045823 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 24.17% is below the guideline maximum of 43%. | |||||||||||||||
| 5000045825 | 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: 58.76% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 746 is 146 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 23.81% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045828 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: 35.46% DTI is below guideline requirement of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045847 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has 9 years & 9 months at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 23 years at current residence | |||||||||||||||
| 5000045852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 2 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 785 is 85 points above program guideline minimum of 700. | |||||||||||||||
| 5000045853 | 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 at 75% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - xxx Comments: DTI at 37.50% below guideline requirement of 43% | |||||||||||||||
| 5000045859 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 7 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 37.52% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000045865 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 600 | |||||||||||||||
| 5000045868 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000045869 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 17 years and 9 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 69.98% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 661 is 61 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.06% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045904 | 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 at current residence; 10 years and 4 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 52.23% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 33.23% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045906 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: with the employer for 6 years | |||||||||||||||
| 5000045910 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000045920 | 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: exceeds 640 CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000045922 | 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: 10 Years and 0 months at current residence. | |||||||||||||||
| 5000045925 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000045936 | 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: Borrower credit score of 664 exceeds min score requirement of 600. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has lived at current residence for the past: 15 years. | |||||||||||||||
| 5000045937 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000045941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI 37.13% is below the guideline maximum of 50%. | |||||||||||||||
| 5000045942 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 25 years CFCFS1737: LTV below guideline requirements - xxx Comments: 70.73% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 706 is 106 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 20.00% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000045943 | 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: Borrower credit score of 635exceeds min score requirement of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage history reflects 0 x 30 for the past 36 months. | |||||||||||||||
| 5000045947 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Borrowers 17.55% DTI is below the 43% max CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrowers 670 FICO score is above the 600 min | |||||||||||||||
| 5000045960 | 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: Lived in the home for 31 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000045961 | 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: 10 Years and 9 months at current residence. | |||||||||||||||
| 5000045965 | 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 784 is 84 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000045976 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000045991 | 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 at current residence, 15.42 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0x30x84. | |||||||||||||||
| 5000046011 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 6 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 69.56% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.21% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046032 | 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: Borrower credit score of 601 exceeds min score requirement of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage history reflects 0 x 30 for the past 48 months. | |||||||||||||||
| 5000046050 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 10 years and 9 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 9 months | |||||||||||||||
| 5000046058 | 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 is 95 points above program guideline minimum of 600. | |||||||||||||||
| 5000046060 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000046061 | 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: Below 85% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000046073 | 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: 46.00% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 29.17% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046077 | 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 at current residence; 6 years and 9 months CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 6 years and 4 months CFCFS1737: LTV below guideline requirements - xxx Comments: 75% LTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.25% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046088 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 6 years and 2 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 27 years and 9 months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 726 is 26 points above program guideline minimum of 700. | |||||||||||||||
| 5000046089 | 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: 26.96% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 9 years and 9 months | |||||||||||||||
| 5000046112 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: below 80% | |||||||||||||||
| 5000046164 | 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: CLTV of 58.42% is below max CLTV of 80%. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has lived at subject property for over 7 years. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Credit report with a mortgage rating of 0x30x92. | |||||||||||||||
| 5000046166 | 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: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000046167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 42.48% is less than the guideline maximum of 50%. | |||||||||||||||
| 5000046171 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 80% CFCFS1736: Significant time at current residence - xxx Comments: Lived in the home for 5 years | |||||||||||||||
| 5000046185 | 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: 60.00% LTV below guideline requirements of 85.00% per program. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 18 years and 1 month CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 18 years and 1 month CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 752 is 52 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 30.43% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046189 | 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: Borrower credit score of 742 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has lived at current residence for the past: 13 years. | |||||||||||||||
| 5000046193 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046194 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046195 | 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: Borrower credit score of 788 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has lived at current residence for the past: 19 years. | |||||||||||||||
| 5000046196 | 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: Exceeds 640 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046199 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: below 80% | |||||||||||||||
| 5000046201 | 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: Exceeds 600 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046225 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046230 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000046241 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000046247 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 10 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 13 years and 10 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 52.21% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.37% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046252 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, 18.75 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0x30x48 | |||||||||||||||
| 5000046254 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000046255 | 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: Below 80% CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: with the employer for 28 years | |||||||||||||||
| 5000046266 | 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: Exceeds 600 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 39.48% is less than the guideline maximum of 43% | |||||||||||||||
| 5000046322 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI 21.22% is below the guidelines minimum of 50%. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV/CLTV is 22.76/75.36%; guidelines allow maximum 80%. | |||||||||||||||
| 5000046332 | 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: Below 85% CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 6 years | |||||||||||||||
| 5000046339 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000046344 | 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: Exceeds 700 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 5 years | |||||||||||||||
| 5000046351 | 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: exceeds 700 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 31 years | |||||||||||||||
| 5000046353 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - xxx Comments: 11 years and 0 months at current profession. | |||||||||||||||
| 5000046354 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 600 | |||||||||||||||
| 5000046363 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000046365 | 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: Borrower credit score of 758 exceeds min score requirement of 640. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99 | |||||||||||||||
| 5000046367 | 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: Borrowers 707 FICO score is higher than the 600 min | |||||||||||||||
| 5000046378 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046392 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: below 80% | |||||||||||||||
| 5000046403 | 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: Min credit score required 600. File credit score 665. | |||||||||||||||
| 5000046408 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 1 month CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history exceeds guidelines; 15 years and 2 months CFCFS1737: LTV below guideline requirements - xxx Comments: 62.24% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 31.27% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046409 | 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 8 years at current residence CFCFS1744: DTI below guideline requirement - xxx Comments: DTI > 9 points below guideline maximum | |||||||||||||||
| 5000046411 | 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 at current residence; 21 years and 3 months CFCFS1737: LTV below guideline requirements - xxx Comments: 54.02% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 26.35% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046413 | 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: Min credit score required 600 File credit score 670. | |||||||||||||||
| 5000046417 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000046426 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 5 years and 4 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 6 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 34.49% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046430 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 640 | |||||||||||||||
| 5000046434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046440 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0x30x41. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, 8.58 years. | |||||||||||||||
| 5000046446 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000046450 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046472 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046473 | 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: Borrower credit score of 691 exceeds min score requirement of 600. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has been with employer in the past: 18 years. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has lived at current residence for the past: 14 years. | |||||||||||||||
| 5000046474 | 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: Borrower Mortgage payment 0x12x86 CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 11 years & 8 months at current residence CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has 10 years & 2 months at current job | |||||||||||||||
| 5000046475 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000046491 | 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 at current residence; 14 years and 10 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 661 is 61 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||
| 5000046500 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 18 years CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 18 years and 3 months CFCFS1737: LTV below guideline requirements - xxx Comments: 59.67% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.00% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046509 | 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 at current residence; 9 years CFCFS1737: LTV below guideline requirements - xxx Comments: 51.72% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 693 is 93 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.16% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046515 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 14 years | |||||||||||||||
| 5000046525 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | XXX High-Cost Loan by exceeding points and fees threshold; Benchmark Term120Benchmark Date3/XX/2025Test APR11.728Benchmark Rate6.070Benchmark/APR Variance5.658Rate Spread Trigger3.5000%Violates QM Higher Priced Covered Threshold?Yes | 07/16/25 Client provided an approved exception for the IL High Cost by exceeding points and fees threshold. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 18 years CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 12 years and 10 months CFCFS1737: LTV below guideline requirements - xxx Comments: 66.79% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 692 is 92 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 37.93% DTI is below guideline requirement of 43.00%. |
| 5000046545 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | HELOC disclosed adjusted charges of $1172.50 or 5.265% and Max allowed is $1113.48 or 5.0% for XXX County. Fees exceed tolerance by .265% or $59.02. | 4.21.25-Client requested to Waive. | 4.21.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 700 |
| 5000046564 | 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 at current residence; 5 years and 5 months CFCFS1737: LTV below guideline requirements - xxx Comments: 72.25% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000046574 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046576 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046585 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000046586 | 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 below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046601 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 10 years and 9 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 2 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 723 is 23 points above program guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000046606 | 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: Exceeds 700 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046608 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 8 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 600 | |||||||||||||||
| 5000046609 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 21.52% is less than the guideline maximum of 43%. | |||||||||||||||
| 5000046610 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046615 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000046637 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046645 | 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 at current residence; 35 years and 3 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 682 is 82 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 30.69% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046655 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000046660 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 11 years and 10 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 724 is 24 points above program guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000046664 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - xxx Comments: LTV of 65.25% is below max LTV of 80%. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 33.89% is below max DTI of 43%. | |||||||||||||||
| 5000046670 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 19 years and 7 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 8 years and 3 months CFCFS1737: LTV below guideline requirements - xxx Comments: 7.47% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 15.48% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046680 | 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 699 is 99 points above program guideline minimum of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - xxx Comments: 32.18% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046693 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000046703 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000046717 | 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: Exceeds 700 CFCFS1736: Significant time at current residence - xxx Comments: Lived in the home for 13 years | |||||||||||||||
| 5000046727 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Borrowers 25.12% DTI is below the 43% max. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrowers 746 FICO exceeds the 600 min | |||||||||||||||
| 5000046731 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 80% CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 33 years | |||||||||||||||
| 5000046735 | 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: 29 Years and 0 months at current residence. | |||||||||||||||
| 5000046742 | 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: Exceeds 640 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 7 yrs | |||||||||||||||
| 5000046760 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | C | B | C | A | A | A | A | B | C | B | C | A | A | A | A | Credit | DTI | Waived | B | C | B | C | CRDDTI187 | Debt Ratio > 50% | Yes | Max DTI 43% Loan DTI of 56.91% based on total obligations of $1,713.84 and total income of $3,011.44. Lender used income of $3,987 that is not supported by the YTD pay appearing on the pay stubs. XXX is using a 12 month average of pay as required by guidelines. | 07/17/2025- Client acknowledged DTI 56.91%. | 07/17/2025- Final grade C. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been on the same job for 22 years. |
| 5000046761 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046762 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI 27.42% is below guideline requirement of 43%. | |||||||||||||||
| 5000046765 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI 31.57% is below the guideline maximum of 43%. | |||||||||||||||
| 5000046768 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046777 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: with the employer for 28 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 600 | |||||||||||||||
| 5000046783 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has 11 years & 11 months at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 8 years & 9 months at current residence | |||||||||||||||
| 5000046786 | 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: Exceeds 700 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046788 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 14 years and 3 months CFCFS1746: Significant housing expense reduction - xxx Comments: Significant housing expense reduction; 13 years and 5 months CFCFS1737: LTV below guideline requirements - xxx Comments: 49.15% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.48% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046802 | 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: Borrower Mortgage payment 0x30x41 CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 4 years & 3 months at current residence CFCFS1744: DTI below guideline requirement - xxx Comments: DTI > 6 points below guideline maximum | |||||||||||||||
| 5000046804 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046807 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has 4 years & 9 months at current job CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has 4 years & 5 months at current job CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Mortgage payment 0x12x51 | |||||||||||||||
| 5000046814 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046818 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000046838 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046847 | 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: below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000046851 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X30. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job 14.92 years. | |||||||||||||||
| 5000046869 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000046871 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing verification of B1's start date for employment with XXX to verify income calculation. Please provide a VOE or similar documentation. | 07/15/2025- Client provided the XXX reflecting total time with employer 1 year 1 month as of 07/10/25. Total time with employer at time of close was less than 12 months but income calc based on actual time with employer. | 07/15/2025- Satisfied. | (No Data) | Not Applicable | (No Data) |
| 5000046872 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000046884 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000046886 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: below 80% | |||||||||||||||
| 5000046887 | 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: exceeds 700 CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX employed for 10 years | |||||||||||||||
| 5000046891 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000046895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 13 years and 5 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 12 years CFCFS1737: LTV below guideline requirements - xxx Comments: 62.10% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 18.81% LTV below guideline requirements of 43.00% per program. | |||||||||||||||
| 5000046901 | 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: Borrower credit score of 723 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with employer in the past: 23 years. | |||||||||||||||
| 5000046907 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 24 years and 7 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 20 years and 7 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 750 is 50 points above program guideline minimum of 700. | |||||||||||||||
| 5000046911 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 17 years and 10 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 670 is 70 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage payment history exceeds guidelines; 0x30 for 60+ months | |||||||||||||||
| 5000046917 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000046918 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 25.85% is below max DTI of 43%. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV of 54.57% is below max LTV of 80%. | |||||||||||||||
| 5000046939 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000046944 | 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: Exceeds 700 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 42 months | |||||||||||||||
| 5000046957 | 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: 45.95% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 10.62% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000046978 | 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: Below 80% CFCFS1736: Significant time at current residence - xxx Comments: Lived in the home for 47 years | |||||||||||||||
| 5000046987 | 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 692 is 92 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.61% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000046992 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Disclosure is dated 4/XX/2025 and application date is 4/XX/2025; not within 3 days of application date. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: The borrower has been on the same job for 7 years |
| 5000046992 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA | Active | C | C | C | C | CMPTILA3200 | TILA - HELOC Early Disclosure not provided within 3 business days of application | Yes | HELOC Early Disclosure is not dated, however other initial disclosures are dated 4/XX/2025, not within 3 business days of application date of 4/XX/2025. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: The borrower has been on the same job for 7 years |
| 5000047000 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 6 years and 6 months CFCFS1737: LTV below guideline requirements - xxx Comments: 72.63% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 783 is 183 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months | |||||||||||||||
| 5000047005 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047015 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at current employer for 13.25 years. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 25.30% is < the maximum DTI of 43% | |||||||||||||||
| 5000047023 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047038 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047049 | 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: 69.19% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 39.65% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047060 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000047068 | 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 at current residence; 5 years and 9 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 678 is 78 points above program guideline minimum of 600. | |||||||||||||||
| 5000047069 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000047085 | 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: Borrower credit score of 665 exceeds min score requirement of 600. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has been with employer in the past: 6 years. | |||||||||||||||
| 5000047086 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047109 | 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: Exceeds 600 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047113 | 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: 69.41% LTV below guideline requirements of 80.00% per program. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 23 years and 7 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 753 is 153 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 36.88% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047116 | 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 667 is 67 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.38% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 6 months | |||||||||||||||
| 5000047129 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 10 years and 2 months CFCFS1737: LTV below guideline requirements - xxx Comments: 53.36% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 34.93% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000047131 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 29 years and 7 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years and 2 months | |||||||||||||||
| 5000047133 | 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 659 is 59 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.67% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047134 | 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: 57.09% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 659 is 59 points above program guideline minimum of 600. | |||||||||||||||
| 5000047137 | 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: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 30.69% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047153 | 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: Exceeds 600 CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000047168 | 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: Exceeds 600 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047175 | 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: Min credit score required 600. File credit score 759. | |||||||||||||||
| 5000047191 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047200 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: 16.32% DTI is below guideline requirement of 43.00%. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 32.years and 5 months CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 5 years and 6 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 13.71% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000047201 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 8 years | |||||||||||||||
| 5000047215 | 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 at current residence; 37 years and 1 month CFCFS1737: LTV below guideline requirements - xxx Comments: 39.83% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 641 is 41 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 14.00% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047217 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | Property value not supported by AVM 1, 2, 3, or BPO with variance of -26.2001% | 05/08/2025- Client acknowledges value not supported. | 05/08/2025- xxx initial and final grade C. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% |
| 5000047224 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 22 years and 8 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 8 years CFCFS1737: LTV below guideline requirements - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000047228 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 9 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000047237 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 20 years | |||||||||||||||
| 5000047250 | 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 74.66% is less than the guideline maximum of 85%. | |||||||||||||||
| 5000047297 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047316 | 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 at current residence; 12 years CFCFS1737: LTV below guideline requirements - xxx Comments: 56.99% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 757 is 157 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 34.03% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047330 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 4 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 26 years and 4 months CFCFS1737: LTV below guideline requirements - xxx Comments: 57.16% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000047338 | 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 below guideline requirements of 80% per program. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 10 years and 9 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 14 years and 4 months | |||||||||||||||
| 5000047344 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 33 years CFCFS1736: Significant time at current residence - xxx Comments: Lived in the home for 26 years | |||||||||||||||
| 5000047348 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000047351 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047357 | 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: Borrower credit score of 623 exceeds min score requirement of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage history reflects 0 x 30 for the past 56 months. | |||||||||||||||
| 5000047365 | 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: Exceeds 600 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047366 | 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: 52.27% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.27% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047403 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 3 months CFCFS1737: LTV below guideline requirements - xxx Comments: 70.52% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 701 is 101 points above program guideline minimum of 600. | |||||||||||||||
| 5000047434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 13 years and 2 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 17 years and 6 months CFCFS1737: LTV below guideline requirements - xxx Comments: 65.62% LTV is below guideline maximum of 80.00% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Qualifying score of 682 is 82 points below guideline minimum of 600 CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 38.96% is below guideline maximum of 43.00% | |||||||||||||||
| 5000047435 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047462 | 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 11 years at current residence. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 19.69 below guidelines of 43%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has 34 years at current job. | |||||||||||||||
| 5000047482 | 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: 15 Years and 0 months at current residence. | |||||||||||||||
| 5000047483 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000047491 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047501 | 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: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 688 is 88 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 29.52% DTI is below guideline requirement of 43.00%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 20 years and 7 months | |||||||||||||||
| 5000047506 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047510 | 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 8 years & 2 months at current residence CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Mortgage payment 0x12x58 | |||||||||||||||
| 5000047520 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Borrowers 37.42% DTI below the 43% max | |||||||||||||||
| 5000047530 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC150 | Income docs do not meet guidelines | No | P&L in file is dated "for the period January 1, 2025 through December 31, 2024" This is a period of only 2 days and the through date is prior to the from date. This document was required in order to show liquidity since schedule L of the business tax returns is blank. | 07/11/2025- Client provided Auditor Cert reflecting "Dates for the provided P&L are January 1, 2025- December 31, 2024 as opposed to January 1, 2025 - December 31, 2024". These are the same dates and do not represent year 2024. Exception remains.07/14/2025- Client provided Auditor Cert reflecting "Dates for the provided P&L are January 1, 2024- December 31, 2024 as opposed to January 1, 2025 - December 31, 2024". | 07/14/2025-Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: The borrower has lived at the current residence for 9 years |
| 5000047532 | 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: Borrower credit score of 660 exceeds min score requirement of 600. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has lived at current residence for the past: 16 years. | |||||||||||||||
| 5000047547 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 14 years CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 15 years CFCFS1737: LTV below guideline requirements - xxx Comments: 48.08% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 744 is 144 points above program guideline minimum of 600. | |||||||||||||||
| 5000047552 | 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 at current residence; 24 years and 4 months CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 25 years and 2 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 651 is 51 points above program guideline minimum of 600. | |||||||||||||||
| 5000047553 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047567 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047568 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000047571 | 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: Below 80% | |||||||||||||||
| 5000047572 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047573 | 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 672 is 72 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 33+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.80% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted charges are $2770.75 or 5.264% and max allowed is $2631.96 or 5.0% | 5.22.25-Client provided statement of "Valid finding for XXX county. Please issue waiver." | 5.22.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: 75.47% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 76+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 6 years and 6 months |
| 5000047580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5381 | ILCK High-Cost Loan by exceeding APR threshold | No | Loan APR is 8.686% and max allowed is 8.0% with a benchmark of 4.310% | 5.22.25-Client provided statement of "Valid finding for xx county. Please issue waiver." | 5.22.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: 75.47% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 76+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 6 years and 6 months |
| 5000047590 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047598 | 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: Borrower credit score of 752 exceeds min score requirement of 640. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Credit report with a mortgage rating of 0x30x32. CFCFS1736: Significant time at current residence - xxx Comments: Borrower has lived at subject property for over 10 years. | |||||||||||||||
| 5000047602 | 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: exceeds 600 CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000047604 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI 18.43%/33.89% is below the guideline's minimum of 43% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV is 24.22%; guidelines allow 80%. | |||||||||||||||
| 5000047643 | 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 at current residence; 24 years and 7 monthd CFCFS1737: LTV below guideline requirements - xxx Comments: 39.69% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.17% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047647 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 15 years CFCFS1736: Significant time at current residence - xxx Comments: in the home for 15 years | |||||||||||||||
| 5000047649 | 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: Borrower Mortgage payment 0x12x51 CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has 4 years & 5 months at current job | |||||||||||||||
| 5000047662 | 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: 42.81% LTV below guideline requirements of X% per program. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 23 years and 9 months CFCFS1744: DTI below guideline requirement - xxx Comments: 38.81% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000047667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Credit report with a mortgage rating of 0x30x26. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrower credit score of 65 exceeds min score requirement of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: DTII of 20.58% is below max DTI of 50%. | |||||||||||||||
| 5000047678 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 9 years CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000047682 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Mortgage payment history is for 49 months when 12 months are required. | |||||||||||||||
| 5000047683 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000047685 | 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: exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 9 years | |||||||||||||||
| 5000047715 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 9 years and 9 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 6 years and 5 months CFCFS1744: DTI below guideline requirement - xxx Comments: 31.74% DTI is below guideline requirement of 43.00%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 728 is 128 points above program guideline minimum of 600. CFCFS1737: LTV below guideline requirements - xxx Comments: 70.41% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000047724 | 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: 70.56% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 7 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 660 is 60 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 24.84% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047734 | 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 at current residence, 5.75 years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, 18.58 years. | |||||||||||||||
| 5000047747 | 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: 36 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years and 9 months | |||||||||||||||
| 5000047748 | 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: Borrower credit score of 616 exceeds min score requirement of 600. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has been with employer in the past: 20 years. | |||||||||||||||
| 5000047756 | 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: 70.68% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 696 is 96 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000047757 | 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 in current owner occupied residence for 10 years and 9 months. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV is 62.99%; max allowed per guidelines is 80%. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI is 25.17%, max per guidelines is 43% | |||||||||||||||
| 5000047764 | 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: Borrower credit score of 727 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99. | |||||||||||||||
| 5000047765 | 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 681 is 81 points above program guideline minimum of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - xxx Comments: 35.89% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000047778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 13 years and 7 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 6 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 70.74% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 37.22% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047783 | 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 at current residence; 7 years and 6 months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 671 is 71 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 29.75% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047797 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 25 years | |||||||||||||||
| 5000047811 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 16 years and 1 month CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 645 is 45 points above program guideline minimum of 600. | |||||||||||||||
| 5000047819 | 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: 48.82% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.45% DTI is below guideline requirement of 43.00%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 703 is 103 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000047821 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000047842 | 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 at current residence; 14 years and 7 months CFCFS1737: LTV below guideline requirements - xxx Comments: 74.01% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000047851 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | AVM 1 and 2 have -20.168% variance, BPO has 13.45% variance, value not supported. | 07/15/2025- Client acknowledges value not supported. | 07/15/2025- Final grade C. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: CLTV of 62.89% is below the guideline maximum of 80%. |
| 5000047853 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 13 years and 2 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 684 is 84 points above program guideline minimum of 600. | |||||||||||||||
| 5000047854 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 80% | |||||||||||||||
| 5000047869 | 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 at current residence; 18 years and 2 months CFCFS1737: LTV below guideline requirements - xxx Comments: 24.91% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 726 is 26 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.53% DTI is below guideline requirement of 50.00%. | |||||||||||||||
| 5000047878 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI187 | Debt Ratio > 50% | No | DTI differ due to xxx's total expense used -PITI for 1st lien fro CBR $2,130 + $911.84 2nd lien =$3,041.84 + $42 consumer debt (fro XXX card). Lender's source unknown. | 07/14/2025- Client provided explanation that $42 payment was excluded as authorized user. | 07/14/2025- Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrower credit score of 767 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x75. |
| 5000047887 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 28 years CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 17 years and 7 months CFCFS1737: LTV below guideline requirements - xxx Comments: 55.46% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 28.59% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047889 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Mortgage payment history is for 37 months when 12 months are required. | |||||||||||||||
| 5000047896 | 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: Exceeds 700 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 85% | |||||||||||||||
| 5000047897 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has 7 years & 8 months at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 8 years & 11 months at current residence | |||||||||||||||
| 5000047904 | 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 640 is 40 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 36.72% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000047911 | 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 at current residence; 11 years and 2 months CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 10 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 48.40% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 701 is 101 points above program guideline minimum of 600. | |||||||||||||||
| 5000047930 | 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: 68.90% LTV below guideline requirements of 80.00% per program. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 5 years and 2 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 668 is 68 points above program guideline minimum of 600. | |||||||||||||||
| 5000047931 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 9 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 21 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 74.93% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 704 is 104 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.71% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000047933 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 7 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 600 | |||||||||||||||
| 5000047945 | 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: exceeds 600 CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000047952 | 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 668 is 87 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 26.93% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000047953 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000047955 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 42 years and 7 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 28 years and 7 months CFCFS1737: LTV below guideline requirements - xxx Comments: 53.87% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000047968 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000047980 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 29 years and 6 months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 769 is 169 points above program guideline minimum of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 36+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000047984 | 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: 49.11% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 815 is 215 points above program guideline minimum of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 5 year and 1 month CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 19 years and 6 months | |||||||||||||||
| 5000047989 | 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: Borrower credit score of 692 exceeds min score requirement of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage history reflects 0 x 30 for the past 42 months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 6 years CFCFS1737: LTV below guideline requirements - xxx Comments: 74.20% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000047990 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000048004 | 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 at current residence; 6 years and 6 months CFCFS1737: LTV below guideline requirements - xxx Comments: 44.83% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: 24.80% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048005 | 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: 75.63% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 18 years and 9 months | |||||||||||||||
| 5000048026 | 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: Exceeds 700 CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 19 years | |||||||||||||||
| 5000048028 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has 10 years & 11 months at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 7 years & 2 months at current residence | |||||||||||||||
| 5000048034 | 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 67.76% is less than the guideline maximum of 80%. | |||||||||||||||
| 5000048038 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 3 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 65.08% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 25.45% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048056 | 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: 71.80% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 643 is 43 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 39.73% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048066 | 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: Exceeds 700 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 9 years | |||||||||||||||
| 5000048074 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048096 | 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 749 is 49 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 31.66% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 9 years and 10 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years | |||||||||||||||
| 5000048105 | 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: Below 80% CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 19 years | |||||||||||||||
| 5000048108 | 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 at current residence; 10 years and 9 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 66.92% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.26% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048112 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 10 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048137 | 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 at current residence 7 years. CFCFS2854: Significant time in profession - xxx Comments: Significant time in profession 2 years. | |||||||||||||||
| 5000048161 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - xxx Comments: B1: Bonus Income: $2,084.00 YTD + $1,196.00 2024 = $3,280.00/24 months = $136.67; however, this income was not used to qualify for the mortgage. CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has been with the employer for 5 years 5 months. | |||||||||||||||
| 5000048186 | 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: 76% LTV below guideline requirements of 80% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 767 is 67 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months | |||||||||||||||
| 5000048187 | 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: Below 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 18 months | |||||||||||||||
| 5000048191 | 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: Min credit score required 640 File credit score 683. | |||||||||||||||
| 5000048197 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted charges are $3054.50 or 5.298% and max allowed is $2882.76 or 5.0%. Charges exceed threshold by $171.74 or .298%. | 6.6.25-Client requested, Please Waive. | 6.6.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 5 years |
| 5000048201 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048213 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: 37.44% DTI is below guideline requirement of 45.00%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000048222 | 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: Borrowers 660 FICO score is higher than the 600 minimum. | |||||||||||||||
| 5000048235 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 16 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048277 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 15 years and 3 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 23 years and 1 month CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job; 7 years and 2 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 66.80% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 31.37% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000048278 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 8 years | |||||||||||||||
| 5000048279 | 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 below 80% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: payment history exceeds 5 years | |||||||||||||||
| 5000048283 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 85% | |||||||||||||||
| 5000048289 | 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: Borrower credit score of 630 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been with employer in the past: 22 years. | |||||||||||||||
| 5000048295 | 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: Below 80% CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 25 years | |||||||||||||||
| 5000048299 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | AVM does not support original AVM value with a variance of -11.92% on #1, -16.2704 #2, -11.9196 #3, supported by BPO. | (No Data) | Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 668 is 68 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 5000048301 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 43% | |||||||||||||||
| 5000048302 | 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 739 FICO score. Minimum required 640. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 36.02% is below max DTI of 43%. | |||||||||||||||
| 5000048303 | 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: 12.92% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.23% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048308 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 11 years CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 9 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 666 is 66 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.72% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048321 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations is dated 05/XX/2025. Not provided to the borrower within 3 days of the 04/XX/2025 application date. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: 66.73% LTV below guideline requirements of 80.00% per program. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 23 years and 3 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 9 months |
| 5000048321 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA | Active | C | C | C | C | CMPTILA3200 | TILA - HELOC Early Disclosure not provided within 3 business days of application | Yes | HELOC Early Disclosure is dated 05/XX/2025. Not provided to the borrower within 3 days of the 04/XX/2025 application date. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: 66.73% LTV below guideline requirements of 80.00% per program. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 23 years and 3 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 9 months |
| 5000048322 | 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 at current residence 7 years. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job 2 years 8 months. | |||||||||||||||
| 5000048329 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 4 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 38 years and 2 months CFCFS1737: LTV below guideline requirements - xxx Comments: 53.62% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 785 is 185 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 9.60% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048333 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 34.68% is less than the guideline maximum of 43%. | |||||||||||||||
| 5000048348 | 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: Min credit score required 640. File credit score 651. | |||||||||||||||
| 5000048375 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 28 years and 2 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 795 is 95 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months | |||||||||||||||
| 5000048387 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5381 | ILCK High-Cost Loan by exceeding APR threshold | No | Rate for test is 12.492%; benchmark Rate is 4.350%; Benchmark difference is 8.142% and max allowed is 8.0% for high cost calculation. | 07/15/25 Client provided an approved exception for the High Cost by exceeding APR threshold. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV 76% is less than the guideline maximum of 80%. |
| 5000048387 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing evidence of B1's starting employment date. This is needed to verify B1 has 12 months employment. (1003 reflects 1 year but does not provide a start date). | 07/15/2025- Client provided 1003 and work number report validating start date 5/1/24. | 07/15/2025- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: LTV 76% is less than the guideline maximum of 80%. |
| 5000048408 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the emp0loyer for 14 years | |||||||||||||||
| 5000048418 | 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: Exceeds 700 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 54 months of mortgage history | |||||||||||||||
| 5000048424 | 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: exceeds 700 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 46 months payments | |||||||||||||||
| 5000048425 | 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 646 is 46 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.55% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048427 | 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: Exceeds 600 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 46 on time payments | |||||||||||||||
| 5000048429 | 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: 50.77% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 817 is 117 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 27.71% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048431 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 6 years CFCFS1736: Significant time at current residence - xxx Comments: in the home for 12 years | |||||||||||||||
| 5000048435 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 1 month CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 17 years and 6 months CFCFS1737: LTV below guideline requirements - xxx Comments: 69.89% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000048436 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000048441 | 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: Borrowers 683 FICO score is above the 600 min CFCFS1737: LTV below guideline requirements - xxx Comments: CLTV of 60% is below the 80% max. | |||||||||||||||
| 5000048442 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000048443 | 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: Exceeds 600 CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000048451 | 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 4 years & 5 months at current residence CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has 29 years & 3 months at current job | |||||||||||||||
| 5000048459 | 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: Exceeds 700 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 5 years | |||||||||||||||
| 5000048474 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000048482 | 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 at current residence; 11 years and 7 months CFCFS1737: LTV below guideline requirements - xxx Comments: 59.48% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 20.65% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048486 | 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: Exceeds 700 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 16 on time payments | |||||||||||||||
| 5000048487 | 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: 55.91% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 665 is 65 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.11% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048491 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048498 | 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: below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048503 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted charges are $2224.50 or 5.28% and max allowed is $2106.73 or 5.0%, threshold exceeded by $117.74 or .28%. | 6.6.25-Client requested, Please Waive. | 6.6.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% |
| 5000048508 | 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 at current residence, 8.67 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0x30x98. | |||||||||||||||
| 5000048513 | 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: Borrower credit score of 675 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99 | |||||||||||||||
| 5000048516 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 9 years and 6 months CFCFS1737: LTV below guideline requirements - xxx Comments: 71.80% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 27.32% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048525 | 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 at current residence; 32 years and 6 months CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 11 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 68.71% LTV below guideline requirements of 85.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000048529 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000048531 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048549 | 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 at current residence; 6 years and 1 month CFCFS1737: LTV below guideline requirements - xxx Comments: 75.00% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 32.50% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048552 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI calculated to be 36.76%. The guideline maximum is 43%. | |||||||||||||||
| 5000048554 | 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 674 is 74 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000048560 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI of 36.29% is less than the guideline maximum of 50%. | |||||||||||||||
| 5000048578 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: MAX DTI 43%. Borrower DTI 36.74% | |||||||||||||||
| 5000048584 | 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: 48.99% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 17 years and 9 months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 760 is 60 points above program guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 99+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 39.93% DTI is below guideline requirement of 50.00%. | |||||||||||||||
| 5000048586 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 16 months history | |||||||||||||||
| 5000048587 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048590 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X19. | |||||||||||||||
| 5000048593 | 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 711 exceeds guidelines 700. CFCFS1744: DTI below guideline requirement - xxx Comments: DTI 41.50% is below guideline requirement of 50%. | |||||||||||||||
| 5000048596 | 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: 74.89% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 641 is 41 points above program guideline minimum of 600. | |||||||||||||||
| 5000048601 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has 6 years & 6 months at current job CFCFS1744: DTI below guideline requirement - xxx Comments: DTI > 12 points below guideline maximum | |||||||||||||||
| 5000048609 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: LTV below 80% | |||||||||||||||
| 5000048614 | 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 17 years & 6 months at current residence | |||||||||||||||
| 5000048615 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 15 years and 7 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years CFCFS1737: LTV below guideline requirements - xxx Comments: 71.42% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000048637 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 8 years. CFCFS1745: Significant total monthly debt reduction - xxx Comments: Reducing debt by $2000..00 | |||||||||||||||
| 5000048638 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported by initial retro AVM #1 -10.2414%, no hit on #2, -11.3922 variance for #3, value supported by BPO. | (No Data) | Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% |
| 5000048659 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 9 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 20 years and 2 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 720 is 20 points above program guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000048677 | 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: Exceeds 600 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 31 payments on time | |||||||||||||||
| 5000048688 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 9 years | |||||||||||||||
| 5000048704 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 10 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 8 years and 3 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 46+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - xxx Comments: 29.20% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048708 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048720 | 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: Exceeds 600 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000048725 | 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: 72.23% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 727 is 127 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 24.72% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048738 | 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: Exceeds 600 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 46 months payment history | |||||||||||||||
| 5000048757 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048763 | 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: Borrowers 674 FICO is higher than the 600 min. | |||||||||||||||
| 5000048767 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has 7 years & 8 months at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 6 years & 11 months at current residence | |||||||||||||||
| 5000048785 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000048791 | 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 below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048796 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000048797 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 19 years and 9 months CFCFS1744: DTI below guideline requirement - xxx Comments: 33.11% DTI is below guideline requirement of 43.00%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 771 is 171 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000048813 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 15 years CFCFS1744: DTI below guideline requirement - xxx Comments: DTI below 43% | |||||||||||||||
| 5000048822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: 28.63% DTI is below guideline requirement of 43.00%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 672 is 72 points above program guideline minimum of 600. | |||||||||||||||
| 5000048826 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048829 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - xxx Comments: 30 years and 0 months at current profession. | |||||||||||||||
| 5000048830 | 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: exceeds 700 CFCFS1744: DTI below guideline requirement - xxx Comments: below 50% | |||||||||||||||
| 5000048832 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has 7 years at current job CFCFS1736: Significant time at current residence - xxx Comments: Borrower has 9 years & 9 months at current residence CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has 23 years & 9 months at current job | |||||||||||||||
| 5000048836 | 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 59.65% is below the guideline maximum of 80%. | |||||||||||||||
| 5000048838 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 35 years and 1 month CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 22 years and 4 months CFCFS1737: LTV below guideline requirements - xxx Comments: 51.55% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000048850 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 5 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 800 is 100 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 38.84% DTI is below guideline requirement of 50.00%. | |||||||||||||||
| 5000048857 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000048869 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 6 years | |||||||||||||||
| 5000048874 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048875 | 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: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 665 is 65 points above program guideline minimum of 600. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 10 years and 6 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 19 years CFCFS1744: DTI below guideline requirement - xxx Comments: 39.89% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000048881 | 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: 64.34% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 721 is 21 points above program guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000048889 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000048900 | 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 at current residence, 5.42 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Positive mortgage payment history 0X30X63. | |||||||||||||||
| 5000048906 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges$1,614.50Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$1,283.98Charges Margin to Threshold$330.52Total Charges %6.287%Exceeds fees test threshold?Yes | 7.2.25-Client requested to Waive & Acknowledged B finding. | 7.2.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 8 years and 9 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 645 is 45 points above program guideline minimum of 600. |
| 5000048914 | 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: Borrowers 706 FICO is higher than the 600 minimum. CFCFS1744: DTI below guideline requirement - xxx Comments: Borrowers DTI of 34.71% is below the 43% guideline. | |||||||||||||||
| 5000048923 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | Retro AVM variances as follows: #1 -26.4888, #2 -13.6673, #3 -26.4888, and BPO -52.2655 does not support original AVM value. | 07/15/2025- Client acknowledged value not supported. | 07/15/2025- Final grade C. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: N/A CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 6 years and 7 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 738 is 38 points above program guideline minimum of 700. |
| 5000048932 | 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: below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000048937 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 9 years and 9 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 7 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 60.47% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 703 is 103 points above program guideline minimum of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000048949 | 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: 47.80% LTV below guideline requirements of 75.00% per program. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 5 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 15 years and 4 months. | |||||||||||||||
| 5000048957 | 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: 75.54% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 768 is 68 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000048958 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000048972 | 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 FICO score 679. Guideline minimum 600. | |||||||||||||||
| 5000048976 | 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: 68.13% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 16 years and 9 months | |||||||||||||||
| 5000048987 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 16 years | |||||||||||||||
| 5000048998 | 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: 7 Years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Min credit score required 640 File credit score 710. | |||||||||||||||
| 5000049001 | 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: Exceeds 600 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 45 months on time | |||||||||||||||
| 5000049011 | 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 at current residence; 14 years and 7 months CFCFS1737: LTV below guideline requirements - xxx Comments: 11.21% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 729 is 29 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 14.38% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000049013 | 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: 50 months history CFCFS1744: DTI below guideline requirement - xxx Comments: below 43% | |||||||||||||||
| 5000049022 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | Appraised value not supported. No hit for AVM 1, 2, or 3. BPO tolerance -31.8202. | 07/15/2025- Client acknowledged value not supported. | 07/15/2025- Final grade C. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence, 18.5 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 3X30X78 |
| 5000049031 | 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 at current residence17 years and 4 months CFCFS1737: LTV below guideline requirements - xxx Comments: 55.15% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 685 is 85 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 21.28% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049033 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 23 years and 10 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 22 years and 10 months CFCFS1737: LTV below guideline requirements - xxx Comments: 61.34% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 22.55% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049036 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000049049 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 10 years and 6 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 7 years and 6 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 696 is 96 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 34.56% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049054 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000049064 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, 12 years. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job, 8 years. CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0x30x53. | |||||||||||||||
| 5000049073 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: With the employer for 11 years CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000049076 | 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: Min credit score required 640. File credit score 654. | |||||||||||||||
| 5000049077 | 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: Exceeds 700 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000049084 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000049088 | 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 owned subject residence for 30 years. | |||||||||||||||
| 5000049092 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: DTI exceeds | |||||||||||||||
| 5000049094 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 14 years and 3 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 13 years and 6 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 44.39% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 724 is 24 points above program guideline minimum of 600. | |||||||||||||||
| 5000049099 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing a copy of the note for the loan originated XXX listed on the final title policy for $335,000. This is needed to determine the payment amount for the 1st lien. The mortgage statement provided indicates a payment of $1,343.01 and this amount was used to qualify. The statement provided indicates the mortgage is past the maturity date and this would make this loan ineligible because it is a matured balloon note. The DTI calculations will need to be re-calculated using the new payment amount. | 07/16/2025- Client provided copy of Deed of Trust reflecting balance $XXX. | 07/16/2025- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has been employed 10 years, 4 months. |
| 5000049108 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X31 CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrower credit score of 728 exceeds min score requirement of 640. CFCFS1737: LTV below guideline requirements - xxx Comments: LTV of 71.40% is below maximum of 80%. | |||||||||||||||
| 5000049115 | 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: 10.77% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 799 is 99 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months | |||||||||||||||
| 5000049125 | 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 717 is 117 points above program guideline minimum of 600. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 5 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 6 years and 4 months | |||||||||||||||
| 5000049126 | 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: Exceeds 600 CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000049133 | 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 53.19% is less than the guideline maximum of 85%. | |||||||||||||||
| 5000049143 | 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 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Mortgage payment 0x12x68 | |||||||||||||||
| 5000049144 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 42 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 700 | |||||||||||||||
| 5000049149 | 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: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000049152 | 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 at current residence; 12 years CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 10 years and 6 months CFCFS1737: LTV below guideline requirements - xxx Comments: 33.88% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000049155 | 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 at current residence; 8 years and 9 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 67.57% DTI is below guideline requirement of 50.00%. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 733 is 33 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 23.86% DTI is below guideline requirement of 50.00%. | |||||||||||||||
| 5000049170 | 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: Exceeds 700 CFCFS1734: Borrower has significant time at current job - xxx Comments: XXX of business for 5 years | |||||||||||||||
| 5000049173 | 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: Exceeds 700 CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 34 months on time payments | |||||||||||||||
| 5000049179 | 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: 49.95% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 24.53% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049189 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000049210 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 50% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 39 on time payments | |||||||||||||||
| 5000049213 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000049216 | 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 | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | FEMA Disaster Declaration on 07/XX/2025 due to Severe Storms, Flooding, Straight-line Winds, and Tornadoes in the area. Provide post-disaster property inspection report. May be subject to additional conditions upon review. | 07/16/2025- Client provided post disaster inspection reflecting no damage. | 07/16/2025- Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 768 is 68 points above program guideline minimum of 700. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 8 years and 10 months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 60+ months |
| 5000049220 | 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: Exceeds 600 CFCFS1736: Significant time at current residence - xxx Comments: In the home for 10 years | |||||||||||||||
| 5000049221 | 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 668 is 68 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 26.35% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049232 | 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: Exceeds 700 CFCFS1736: Significant time at current residence - xxx Comments: In the home for 9 years | |||||||||||||||
| 5000049241 | 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 8 years at current residence CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Borrower Mortgage payment 0x12x93 | |||||||||||||||
| 5000049244 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 20 years CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 36 on time payments | |||||||||||||||
| 5000049257 | 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: Exceeds 600 CFCFS1734: Borrower has significant time at current job - xxx Comments: on the job for 12 years | |||||||||||||||
| 5000049265 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 19 years and 6 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 19 years and 6 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 66.41% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000049266 | 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: Exceeds 700 CFCFS1734: Borrower has significant time at current job - xxx Comments: on the job for 9 years | |||||||||||||||
| 5000049280 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has been at current job for over 28 years CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Credit report reflects a mortgage rating of 0x30x38. | |||||||||||||||
| 5000049285 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 14 years and 7 months CFCFS1744: DTI below guideline requirement - xxx Comments: 39.17% DTI is below guideline requirement of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000049306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: with the employer for 8 years CFCFS1741: Credit score exceeds guidelines - xxx Comments: exceeds 700 | |||||||||||||||
| 5000049317 | 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: Below 80% CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% | |||||||||||||||
| 5000049324 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 700 | |||||||||||||||
| 5000049336 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Borrowers DTI of 36.09% is below the 43% max. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Borrowers 703 FICO is higher than the 600 min | |||||||||||||||
| 5000049350 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | XXX High-Cost Loan by exceeding points and fees threshold. Max Fees 1348.00 | 6.17.25-Client requested to Waive. | 6.17.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 |
| 5000049382 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 23 years and 10 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 18 years and 10 months CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job; 24 years and 1 month CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 725 is 27 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - xxx Comments: 31.68% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000049385 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 14 years and 1 month CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years and 9 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 675 is 75 points above program guideline minimum of 600. | |||||||||||||||
| 5000049390 | 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 34 years & 9 months at current job | |||||||||||||||
| 5000049391 | 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: Below 80% CFCFS1741: Credit score exceeds guidelines - xxx Comments: Exceeds 600 | |||||||||||||||
| 5000049400 | 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: 67.67% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 668 is 68 points above program guideline minimum of 600. | |||||||||||||||
| 5000049404 | 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 61.56% is less than the guideline maximum of 80%. | |||||||||||||||
| 5000049405 | 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: 73.13% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 699 is 99 points above program guideline minimum of 600. | |||||||||||||||
| 5000049412 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 18 years and 10 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 5 years and 1 month CFCFS1737: LTV below guideline requirements - xxx Comments: 73.79% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 27.13% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000049414 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 9 years and 10 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 11 years and 4 months. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job; 27 years and 9 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 51.26% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 36.70% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049415 | 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 at current residence; 11 years and 6 months. CFCFS1747: Housing expense increase is 10% or less - xxx Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000049423 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: DTI 21.81% is below guideline requirement of 43%. | |||||||||||||||
| 5000049427 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job; 9 years and 5 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 18 years and 6 months CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 701 is 101 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 28.73% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049438 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 9 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 7 years and 10 months CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job; 26 years and 4 months CFCFS1744: DTI below guideline requirement - xxx Comments: 28.25% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049444 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 27 years and 4 months CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 26 years and 1 month CFCFS1737: LTV below guideline requirements - xxx Comments: 60.88% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 20.10% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049446 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 8 years and 9 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 6 years and 9 months CFCFS1744: DTI below guideline requirement - xxx Comments: 35.69% DTI is below guideline requirement of 43.00%. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: 0x30 for 36+ months | |||||||||||||||
| 5000049454 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000049466 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | AVM 1 variance -19.8326, AVM 2 variance -23.2885, AMV 3 variance -19.8326, and BPO variance -24.0049 does not support original AVM value. | 07/02/2025- Client acknowledges value not supported. | 07/02/2025- xxx initial and final grade C. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 9 years and 9 months CFCFS1744: DTI below guideline requirement - xxx Comments: 38.64% DTI is below guideline requirement of 43.00%. CFCFS1737: LTV below guideline requirements - xxx Comments: 72.54% LTV below guideline requirements of 80.00% per program. |
| 5000049467 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: Below 43% CFCFS1737: LTV below guideline requirements - xxx Comments: Below 80% | |||||||||||||||
| 5000049473 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: 37.42% DTI is below guideline requirement of 43.00%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 5 years and 4 months | |||||||||||||||
| 5000049474 | 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 at current residence; 10 years and 1 month CFCFS1737: LTV below guideline requirements - xxx Comments: 35.22% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 735 is 135 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 35.27% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049489 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 12 years and 6 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 69.82% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 29.24% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049491 | 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: Median FICO of 692 is 92 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 37.36% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049493 | 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: Borrower credit score of 658 exceeds min score requirement of 600. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments: Mortgage history reflects 0 x 30 for the past 29 months. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x94. | |||||||||||||||
| 5000049505 | 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 at current residence; 10 years and 4 months CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 7 years and 9 months CFCFS1737: LTV below guideline requirements - xxx Comments: 54.89% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 28.91% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049527 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - xxx Comments: 39.42% DTI is below guideline requirement of 43.00%. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 19 years and 6 months | |||||||||||||||
| 5000049542 | 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 697 is 97 points above program guideline minimum of 600. CFCFS1744: DTI below guideline requirement - xxx Comments: 39.16% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000049554 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 11 years and 9 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 8 years and 9 months CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: Co-Borrower has significant time at current job; 20 years and 9 months. | |||||||||||||||
| 5000049560 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: B1 has been at current job for 16 years. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments: B2 has been at current job for 11 years. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Credit score 816 exceeds guidelines 700. | |||||||||||||||
| 5000049592 | 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: Borrower credit score of 660 exceeds min score requirement of 600. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments: Consumer credit show 0x30x99. | |||||||||||||||
| 5000049642 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - xxx Comments: Postive mortgage payment history 0X30X35 CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job, 7.17 years. | |||||||||||||||
| 5000049651 | 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 at current residence; 7 years and 9 months. CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 5 years and 10 months. CFCFS1737: LTV below guideline requirements - xxx Comments: 70.00% LTV below guideline requirements of 75.00% per program. CFCFS1741: Credit score exceeds guidelines - xxx Comments: Median FICO of 714 is 74 points above program guideline minimum of 640. | |||||||||||||||
| 5000049662 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - xxx Comments: Borrower has significant time at current job; 15 years and 6 months. CFCFS1736: Significant time at current residence - xxx Comments: Significant time at current residence; 10 years CFCFS1737: LTV below guideline requirements - xxx Comments: 50.76% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000049701 | 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: 42.08% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - xxx Comments: 30.19% DTI is below guideline requirement of 43.00%. | |||||||||||||||