Exhibit 99.5
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297886 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297953 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298234 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298378 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298156 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298102 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298460 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298046 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298427 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298419 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298358 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298071 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297931 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298365 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298128 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297904 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298274 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298301 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298208 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297883 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298084 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297969 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297964 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298396 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298124 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297939 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298020 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297873 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298159 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297917 | XXXX | XXXX | XXXX | (Clear) No 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298259 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298466 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298045 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298104 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298331 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298182 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297937 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298167 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298390 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297895 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297919 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298261 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298235 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297850 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298384 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298168 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298240 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298093 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297846 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297926 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298343 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298401 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297851 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298088 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298027 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298036 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298055 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298051 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298212 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297983 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298241 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298456 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298081 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298226 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298034 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298204 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298191 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297932 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298250 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298096 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297996 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297958 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297910 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298485 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298108 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297905 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298267 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297879 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 value within a 10% variance. Response 2 (XX/XX/XXXX XX:XXPM) The 2nd AVM supported the appraised value within a 10% variance. (Resolved) Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298319 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298294 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298114 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298138 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297854 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298122 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297935 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298313 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298193 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298121 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298023 |
XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297949 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298388 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298292 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298173 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298161 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298478 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297924 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298328 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297858 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298265 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298473 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298117 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297857 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298276 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297869 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298438 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298291 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298125 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297884 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298410 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298446 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297961 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298238 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298056 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298002 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298461 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298133 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298344 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298327 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298428 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298361 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298305 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297956 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298139 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297882 | XXXX | XXXX | XXXX | (Clear) No 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298187 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297912 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297992 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298487 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298479 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297891 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298376 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298157 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297847 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298293 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298192 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298145 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297962 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297957 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298322 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298169 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298038 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298273 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297929 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298037 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298244 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297987 | XXXX | XXXX | XXXX | (Clear) No 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298201 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298232 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298476 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298089 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298452 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298035 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298435 | 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 XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298134 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297990 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298247 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298444 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298061 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298299 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298179 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298433 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297938 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297909 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298184 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298408 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298339 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXPM) The 2nd AVM did not support the value within a 10% variance. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (XXXX) |
1 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | A | C | A | A | C | C | A | A | A | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298207 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298371 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297960 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297901 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298022 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298349 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297942 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298414 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297945 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298337 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297985 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298285 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298100 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298211 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298144 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298394 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298057 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297955 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298200 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298196 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298154 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298074 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298278 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298101 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297972 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298073 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297893 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297866 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298070 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298095 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298298 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297861 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298303 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298029 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297975 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8298231 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297968 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298439 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298481 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298175 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298178 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297908 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298402 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298457 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298450 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298025 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297946 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298399 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298323 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298302 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297922 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297899 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298324 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298373 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298251 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298075 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298333 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298004 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided is sufficient to cure the exception. (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 |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298443 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298326 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXPM) The 2nd AVM supported the appraised value within 10% variance. (Resolved) |
1 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | A | B | A | A | C | B | A | A | A | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298286 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298110 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298223 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297853 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298463 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297948 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298218 | XXXX | XXXX | XXXX | (Clear) No 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298033 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298229 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298158 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298403 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298221 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297930 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298217 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298177 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298203 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298380 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298309 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298308 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297928 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298368 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298362 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298440 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298255 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298458 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297911 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298341 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298317 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298455 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297860 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298404 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298370 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298287 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298163 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298210 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298176 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298005 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298242 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298039 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298012 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297865 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298166 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298249 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297995 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298477 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298338 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297936 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298129 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298143 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298172 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298269 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298011 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298230 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298467 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298079 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297944 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298014 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298136 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298040 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297871 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298019 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297900 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297889 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298260 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298032 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298112 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298155 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298445 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297991 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298320 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298007 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298142 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298468 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298366 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298026 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298076 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298486 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298021 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298474 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298475 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298284 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298181 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297965 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298412 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297976 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298053 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298067 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297986 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298307 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298153 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298013 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297997 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298246 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298258 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298342 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298127 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298306 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298312 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298348 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298336 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298080 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298283 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298484 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297845 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298369 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298209 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298148 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298480 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297967 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298375 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298120 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298097 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298245 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298448 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298383 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298225 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298374 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298437 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298119 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298098 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297974 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298174 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298031 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297855 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298430 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298442 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298220 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297877 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298297 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298416 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297989 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298010 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298397 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298048 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298391 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298296 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298085 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298126 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298254 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298471 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298216 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298165 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297927 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297881 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298387 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298482 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298413 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297897 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298451 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298379 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298405 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298141 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298041 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297874 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297888 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297859 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297844 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298354 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298030 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297998 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297999 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298003 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298006 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298183 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298195 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298462 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298311 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298290 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298262 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8297875 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298107 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297878 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298123 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298288 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298406 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298189 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298423 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298386 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298280 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298420 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298132 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298315 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298185 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298233 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298115 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298321 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298060 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298270 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298111 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298470 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297872 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298083 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298099 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297988 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298224 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298202 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298345 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297914 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298219 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298415 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298017 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298266 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297925 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298279 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298449 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298091 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298044 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297970 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297954 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298197 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298094 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297981 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297933 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297887 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298228 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298152 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298194 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297994 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298024 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297918 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298082 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297890 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298190 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan Number |
Loan ID |
Last |
Note Date |
Original Loan |
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 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 | 8298058 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298472 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298340 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297852 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298263 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298264 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298206 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297862 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298364 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) 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 |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298429 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297896 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298180 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298113 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297915 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297951 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amo The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298116 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298065 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298464 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298103 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298106 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298400 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298436 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298064 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298441 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298352 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297963 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298353 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298393 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298062 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298377 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297863 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297978 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298170 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298016 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297952 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298335 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8297849 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298357 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297973 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298256 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298130 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Income Variance - The income data was delivered as $XXXX. The loan file reflects income of $XXXX (income of $XXXX plus asset depletion of $XXXX,XXXX) which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. Response 1 (XX/XX/XXXX XX:XXPM) 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%. |
2 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297921 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298059 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298272 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298077 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298350 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298227 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298164 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298236 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298054 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297979 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298213 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298418 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298360 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298050 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298277 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297867 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298257 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298411 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298275 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298162 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298000 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298432 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298018 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298398 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298253 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298454 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297848 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297864 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297934 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298199 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298137 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8297894 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297923 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298421 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298171 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298160 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298043 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298300 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298447 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298310 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8297982 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297902 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298248 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298417 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298330 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297977 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298425 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298239 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297993 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (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 |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298147 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298465 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298359 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298282 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297984 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298105 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298483 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297903 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298052 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298049 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298426 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298367 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298131 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297916 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298198 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298382 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298385 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298325 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298488 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298009 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297856 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298346 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298186 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298304 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297941 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297959 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298389 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) 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 |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298205 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297913 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298150 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298252 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298334 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298092 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298431 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298459 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297966 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8297950 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298140 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297870 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298149 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297943 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298090 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298078 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298222 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298295 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8297920 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298316 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298047 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298215 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298289 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298214 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298271 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298146 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297980 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298392 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297876 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298332 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298453 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298314 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298243 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298372 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298409 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298469 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298087 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan 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 in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298066 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298118 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298281 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298424 | XXXX | XXXX | XXXX | (Clear) No 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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297947 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298356 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298407 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298069 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298109 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298395 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298422 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298042 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298008 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298072 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298347 | XXXX | XXXX | XXXX | (Clear) No 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297907 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298381 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298355 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298237 | XXXX | XXXX | XXXX | (Clear) Note - Address Discrepancy- The property address on the Note is inconsistent with the XXXX and final approval provided in the loan file. Response 1 (XX/XX/XXXX XX:XXAM) The information provided is sufficient to clear the finding. Address is correct . (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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297885 | XXXX | XXXX | XXXX | (Clear) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. Response 1 (XX/XX/XXXX XX:XXPM) 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 AVM did support the value within a 10% variance. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298434 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Incomplete- The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condominium Rider is missing the Condominium Project Name, “XXXX”, as reflected on the Legal Description. Response 1 (XX/XX/XXXX XX:XXPM) A XXXX to correct rider is an acceptable cure. (XXXX) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298028 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Missing Rider/Addendum- The following referenced are missing: XXXX-XXXX Family Rider Response 1 (XX/XX/XXXX XX:XXPM) 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 AVM did support the value within a 10% variance. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298318 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Name Discrepancy- The current mortgage is in the name of XXXX. There is a transfer deed from XXXX showing that XXXX deeded the property over to XXXX as sole owner. Additionally, the most recent property report dated XX/XX/XXXX reflects the owner as XXXX. Response 1 (XX/XX/XXXX XX:XXAM) 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 AVM did support the value within a 10% variance. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298268 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Name Discrepancy- The loan file does not include documentation confirming the vested interest on the Security Instrument or the Borrower’s ownership of the subject property. The new borrower’s are XXXX and XXXX; however, there is no evidence that XXXX or XXXX have any vested interest in the property. Response 1 (XX/XX/XXXX XX:XXAM) 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 AVM did support the value within a 10% variance. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297906 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Name Discrepancy- The loan file does not include documentation confirming the vested interest on the Security Instrument or the Borrower’s ownership of the subject property. XXXX has no owner of record listed. Response 1 (XX/XX/XXXX XX:XXAM) 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 | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297971 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Name Discrepancy- The loan file does not include documentation confirming the vested interest on the Security Instrument or the Borrower’s ownership of the subject property. Response 1 (XX/XX/XXXX XX:XXAM) 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 not supported within a 10% variance- The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (Resolved) |
3 | 2 | 1 | 1 | 3 | 1 | 3 | 2 | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298001 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297880 | XXXX | XXXX | XXXX | (Open) Security Instrument - Inaccurate- The security instrument was not completed accurately. The Legal Description shows the name of the XXXX as XXXX while the Condo Rider shows the Condo Project as XXXX. Response 1 (XX/XX/XXXX XX:XXPM) A XXXX to correct rider is an acceptable cure. (XXXX) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298188 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete- The following section of the Mortgage is incomplete: The PUD Rider is missing the name of the PUD. Response 1 (XX/XX/XXXX XX:XXPM) A XXXX to correct rider is an acceptable cure. (XXXX) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298351 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete- The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condo Rider is missing the Association Name. Response 1 (XX/XX/XXXX XX:XXPM) A XXXX to correct rider is an acceptable cure. (XXXX) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298363 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete- The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condo Rider is missing the Project Name. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297868 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete- The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condominium Rider is missing the Condominium Project Name as reflected on the Legal Description. |
(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 XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the original value within a 10% variance. (Resolved) |
3 | 3 | 1 | 1 | 3 | 3 | 3 | 2 | C | C | A | A | C | B | C | C | C | C | A | A | C | B | C | C | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298015 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete- The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The PUD Rider is missing PUD name. Response 1 (XX/XX/XXXX XX:XXPM) A XXXX to correct rider is an acceptable cure. (XXXX) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||
| XXXX | 8298135 | XXXX | XXXX | XXXX | (Open) Security Instrument - Name Discrepancy- The loan file does not include documentation confirming the vested interest on the Security Instrument or the Borrower’s ownership of the subject property. |
(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 XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 3 | 1 | 1 | 3 | 3 | 3 | 2 | C | C | A | A | C | B | C | C | C | C | A | A | C | B | C | C | |||||||||||||||||||||||||||||||||||||
| XXXX | 8297898 | XXXX | XXXX | XXXX | (Open) Security Instrument - Name Discrepancy- The name of the Trust listed in the mortgage does not match the name of the Trust listed in the Trust documents. Response 1 (XX/XX/XXXX XX:XXPM) A XXXX to correct rider is an acceptable cure. (XXXX) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
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 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 | 8298068 | XXXX | XXXX | XXXX | 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 supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
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| XXXX | 8298086 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The AVM did support the value within a 10% variance. |
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