Exhibit 99.4
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158832 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158942 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158805 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158901 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158730 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158974 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158693 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158787 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158788 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158872 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158760 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158820 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158782 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158979 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158958 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158737 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158957 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158753 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Trust Missing-
Title to the Property is held XXXX a Trust, but the Trust Document is missing. Unable to determine if signatures on the Security Instrument are accurate.
Response 1 (XX/XX/XXXX XXXX) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158875 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158780 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158706 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158843 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158810 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158676 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158816 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158910 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158952 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158824 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158762 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158742 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158923 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158852 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158900 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158770 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158688 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158667 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158865 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158973 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Maturity date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158691 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158912 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158796 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158735 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158938 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158930 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158934 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158792 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158878 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158794 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158879 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158744 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158716 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158701 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158842 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158971 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158908 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158791 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158683 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158978 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158803 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158956 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158727 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158749 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158809 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158903 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158868 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158937 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158932 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158807 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158684 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158844 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158828 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158963 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158959 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158746 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158890 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158826 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158922 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158675 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158696 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158939 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158714 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158717 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158919 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158736 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158704 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158719 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158948 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158720 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158699 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158838 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158967 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158898 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158955 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158877 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158771 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158781 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158686 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158789 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158909 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158831 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158764 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158747 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158887 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158976 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158862 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158915 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158778 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158756 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158835 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158977 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158785 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158941 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158769 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158914 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158774 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158817 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158961 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158946 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158751 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158790 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158708 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved)
|
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158859 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158734 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158925 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158966 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158864 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158679 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158709 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158860 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158907 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158926 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158729 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158767 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158871 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158752 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158856 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158830 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158793 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158710 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158703 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158911 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158891 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158931 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158768 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158814 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158815 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158839 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158858 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158928 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158846 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158685 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158929 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158927 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158731 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158886 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158969 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158933 | XXXX | XXXX | XXXX | (Open) Security Instrument -
Incomplete-The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Maturity date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158812 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158775 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158759 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158913 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158921 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158672 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158827 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158897 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158970 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158853 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158895 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158722 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158867 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158920 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158950 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158740 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158905 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158964 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158874 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158968 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158825 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158849 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158707 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158783 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158850 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158766 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158776 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158801 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158881 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158743 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158754 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158758 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158700 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158689 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158786 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Name Discrepancy-
The Vested Interest on the Security Instrument could not be verified as accurate due to missing documentation showing prior Vested Interest.
Response 1 (XX/XX/XXXX XXXX) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158677 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158718 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158813 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158823 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158694 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158821 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158876 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158725 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158904 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158670 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158806 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158721 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158715 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158888 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158857 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158726 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158869 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158916 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158893 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158678 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158705 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158861 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158836 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158748 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158884 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158713 | XXXX | XXXX | XXXX | (Open) Note - Incomplete / Inaccurate-
The following section(s) of the Note is incomplete: Addendum 1 is missing (pages 16 to 18 of the 18-page document).
Response 1 (XX/XX/XXXX XXXX) The documentation provided is not sufficient to clear the finding. The recorded Mortgage has been provided; however, the missing pages are pg. 16-18 of the Note. Please provide the complete Note for review. (Upheld) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158808 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158797 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158940 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158829 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158951 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158954 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158784 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158837 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158949 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158724 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158671 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-The loan meets all applicable credit guidelines. | (Clear) Appraisal - Value is supported within 10% of original appraisal amount-The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158848 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158738 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158800 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158870 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158804 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158965 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158698 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158918 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158906 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158702 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158841 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158757 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158745 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158896 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158728 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
|
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158851 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158690 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158695 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158798 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
|
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158711 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158818 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158975 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158674 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158795 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158761 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158944 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158962 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158733 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158840 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158779 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158834 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158902 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158889 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158681 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158773 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158947 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158935 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158880 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158741 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158945 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158692 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158687 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158712 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158855 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158960 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158799 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158750 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158899 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158894 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158669 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158819 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158697 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158917 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158723 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158882 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158924 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158885 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158777 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158802 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158892 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158765 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158883 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158680 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158755 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158739 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158833 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158873 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158822 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158866 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158845 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158811 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158732 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158972 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158943 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158847 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158673 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158668 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158953 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158682 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158854 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158772 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158763 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158863 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8158936 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8034369 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125657 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125709 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125711 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125665 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Open) Income Variance-
The income data was delivered as XXXX. The loan file reflects income of XXXX, which is a -26% variance. The DTI of XXXX% is within the guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125694 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125782 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125614 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125784 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125759 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125801 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125669 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125756 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125661 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125643 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125764 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125685 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125683 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125763 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125769 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125733 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125640 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125729 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125636 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125592 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125770 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125785 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125812 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125776 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125719 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125641 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125639 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125703 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125616 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125638 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125696 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125607 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125737 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125803 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125590 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125716 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125723 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125692 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125676 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125713 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125617 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125744 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125690 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125751 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125599 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125598 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125671 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125809 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125586 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125781 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125606 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125747 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125648 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125734 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125642 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125792 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125731 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125787 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125738 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125727 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125630 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125746 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125698 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125741 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125591 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125808 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125765 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125724 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125691 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125627 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125613 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125679 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125608 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125619 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125637 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125605 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125658 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) DTI - Exceeds Guidelines-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125625 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125717 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125647 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125673 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125610 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125718 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125587 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125775 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125675 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125810 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125633 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125730 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125620 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125793 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125762 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125712 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125761 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125804 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125704 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125767 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125618 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125706 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125644 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125653 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125623 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125788 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125628 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125649 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125659 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125745 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125635 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125655 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125651 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Open) Appraisal - Value is not supported within a 10% variance-
|
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125768 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125757 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125626 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125681 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125766 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125611 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125629 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125750 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125674 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125595 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125688 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125789 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125596 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125666 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125687 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125705 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125604 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125646 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125813 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125689 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125743 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125660 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as XXXX. The loan file reflects income of XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XXXX) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125602 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125645 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125699 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125805 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125735 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125695 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125780 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125693 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125790 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125682 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125794 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125725 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125702 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125714 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125802 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125656 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125622 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Missing Rider/Addendum-
The following referenced Legal Addendum is missing: Exhibit "A" Legal description.
Response 1 (XX/XX/XXXX XXXX) The completed DOT provided is sufficient to sure the exception. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 3 | 1 | 3 | 3 | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125778 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125601 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125742 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125603 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125728 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125664 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125740 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125652 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125755 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125708 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125615 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125786 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125811 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125672 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125707 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125754 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125609 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125722 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125783 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125796 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125667 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125799 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125701 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125806 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125589 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125597 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125697 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125739 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125663 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125748 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125621 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125797 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit. Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125662 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125600 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125668 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125632 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125710 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8125779 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8128280 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8128260 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148027 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148028 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148075 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148105 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148094 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147865 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148016 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147934 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148117 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance Exceptions |
Credit Exceptions |
Property Valuation Exceptions |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147879 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148062 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147972 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147927 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148108 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148147 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147885 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148119 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147996 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148151 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147983 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148038 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148031 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148148 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147982 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147925 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147921 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148096 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148127 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following
information of the Security Instrument is incomplete: The maturity date is missing from page 1. The documentation provided is not sufficient to clear the finding. The Mortgage provided is missing the maturity date on the first page. All amounts due under the Agreement must be paid XXXX full not later than is blank. The date the Mortgage is due XXXX full should be disclosed. (Upheld) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148095 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147882 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147926 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147917 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148150 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148047 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148076 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148109 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147877 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148011 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148102 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148009 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148059 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147960 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147952 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148037 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147904 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148128 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148091 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147973 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147881 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148084 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148056 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147995 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148030 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148000 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148142 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147997 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148026 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147873 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
Response 1 (XX/XX/XXXX XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147930 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148072 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148100 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147939 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147933 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147944 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148080 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148015 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147980 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147886 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147889 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147892 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147943 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148083 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147970 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148141 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148007 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148088 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148090 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147908 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147918 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147974 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147867 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148055 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148110 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147906 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147923 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147971 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148051 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148112 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147959 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148061 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147967 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148107 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148023 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148079 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147915 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148057 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148066 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148022 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147871 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148093 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147911 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148131 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148044 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148018 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148087 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147895 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147896 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147953 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Property Type-
The data was delivered reflecting the subject property is XXXX XXXX, the number of units is 2 and the tax exemption does not reflect XXXX. The guidelines reflect XXXX application that do not meet XXXX waterfall logic are declined.
Response 1 (XX/XX/XXXX XXXX) Documentation is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147920 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148081 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148124 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147950 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Property Type-
The data was delivered reflecting the subject property is XXXX XXXX, the number of units is 2 and the tax exemption does not reflect XXXX. The guidelines reflect XXXX application that do not meet XXXX waterfall logic are declined.
Response 1 (XX/XX/XXXX XXXX) Documentation is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147961 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147897 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147884 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147931 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148138 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147913 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following information of the Security Instrument is incomplete: The maturity date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148067 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147940 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147891 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147984 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148126 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148140 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148012 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following information of the Security Instrument is incomplete: The maturity date is missing from page 1. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147912 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Open) Income Variance-
The income data was delivered as XXXX. The loan file reflects income of XXXX and asset depletion of XXXX for a total of XXXX, which is a-13% variance. The DTI of XXXX% is within the guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148024 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148039 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147864 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148004 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147994 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148116 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147898 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148092 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147883 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148135 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147878 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147987 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148033 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147869 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147978 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147870 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147968 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148113 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147958 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148122 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following information of the Security Instrument is incomplete: The maturity date is missing from page 1. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148125 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148036 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147949 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147868 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147880 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148001 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148058 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148006 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148145 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148003 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148149 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148041 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148114 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148137 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147887 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147935 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147901 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148104 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147938 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148078 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148132 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148019 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147924 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148017 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following information of the Security Instrument is incomplete: The maturity date is missing from page 1. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a no hit. (Upheld) |
3 | 3 | 1 | 1 | 2 | 2 | 3 | 3 | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147928 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148118 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148054 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147954 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148021 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148032 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148097 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147946 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148034 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148060 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147999 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147905 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147957 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147914 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147936 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147899 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147922 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148130 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following information of the Security Instrument is incomplete: The maturity date is missing from page 1. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148106 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147942 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148049 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148152 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148103 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147948 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147888 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148136 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147929 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148071 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148111 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147989 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148146 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148008 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147992 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147903 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147941 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148129 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148074 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148043 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148082 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148029 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148133 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted XXXX a No Hit.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148134 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148014 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148068 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147956 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148035 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147945 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148042 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148002 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148144 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147947 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147955 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148115 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148048 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147932 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147916 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147990 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147985 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147900 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148139 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147937 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147998 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147893 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147951 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147874 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147988 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XXXX) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147919 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade (DBRS Morningstar) |
Final Compliance Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade (Moody's) |
Final Overall Grade (Moody's) |
Initial Credit Grade (Moody's) |
Final Credit Grade (Moody's) |
Initial Property Valuation Grade (Moody's) |
Final Property Valuation Grade (Moody's) |
Initial Compliance Grade (Moody's) |
Final Compliance Grade (Moody's) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147909 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148053 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147894 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148025 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148073 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8147981 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148065 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148077 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148010 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148064 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8148052 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |