COLT SECURITIZATION DEPOSITOR, LLC ABS-15G
Exhibit 99.18
| Loan Number | Deal ID | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| XXXX | 4350120969 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||
| XXXX | 4350120963 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 75% LTV > 70% Max LTV for 1x30x12 MTG history. UW Exception Approval in file | 20260505: Exception in file | XXXX | 20260505: Exception in file | XXXX | 1.44 DSCR, Experienced Investor, FICO 710 | B | B | B | B | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| XXXX | 4350120964 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||
| XXXX | 4350120966 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||
| XXXX | 4350120961 | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | No open finding, please clear this open finding or provide clarification. Thank you! | XXXX | Informational | XXXX | Borrower has stable job time - Borrower has 6.04 years on job. Qualifying DTI below max allowed. - Calculated DTI of 37.62% is less than Guideline DTI of 50% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXXX | 4350120961 | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXXX | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | No finding to clear, please clear this open finding or provide clarification. Thank you! | XXXX | Informational | XXXX | Borrower has stable job time - Borrower has 6.04 years on job. Qualifying DTI below max allowed. - Calculated DTI of 37.62% is less than Guideline DTI of 50% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXXX | 4350120961 | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXXX | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXXX is due to increase from $XXXX on the LE dated XXXX to $XXXX on the final CD dated XXXX for the loan discount points. No COC or pricing/lock confirmations were provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXXX | Valid COC received - exception resolved; Valid COC received - exception resolved | XXXX | Borrower has stable job time - Borrower has 6.04 years on job. Qualifying DTI below max allowed. - Calculated DTI of 37.62% is less than Guideline DTI of 50% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXXX | 4350120961 | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXXX | Resolved | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | XXXX | Required Affiliated Business Disclosure Documentation Provided | XXXX | Borrower has stable job time - Borrower has 6.04 years on job. Qualifying DTI below max allowed. - Calculated DTI of 37.62% is less than Guideline DTI of 50% |
C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXXX | 4350120962 | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXXX | Resolved | XXXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The XXXX identify rural properties as an ineligible property type. The subject property is located in a rural area per the appraisal and does not meet the property eligibility requirements. The subject property is therefore ineligible. | This should have been reviewed as an Empower Ease Alt Doc with Lonestar. I am not sure if the tape was incorrect at the time of upload. Can you please revisit / review as Empower. Thank you! | XXXX | Property/Appraisal Meets Guidelines | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 740 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.54% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 32.43% is less than Guideline DTI of 50% Original LTV is Below the Guideline Maximum - Calculated LTV of 57.54% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 23.64 years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXXX | 4350120962 | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXXX | Resolved | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. The loan file includes the Borrower’s active XXXX license, confirming individual authorization to practice. However, professional licensure does not verify the legal status of the entity (XXXX). Please provide a Third-Party Verification that the Business is in existence, in good standing and active as required per XXXX | Document Uploaded. | XXXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 740 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.54% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 32.43% is less than Guideline DTI of 50% Original LTV is Below the Guideline Maximum - Calculated LTV of 57.54% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 23.64 years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXXX | 4350120962 | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXXX | Resolved | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | XXXX | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 740 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.54% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 32.43% is less than Guideline DTI of 50% Original LTV is Below the Guideline Maximum - Calculated LTV of 57.54% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 23.64 years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXXX | 4350120965 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING LOAN APPLICATION OR TERM SHEET | 20260402/CA: RECEIVED | XXXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| XXXX | 4350120965 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | MISSING PRELIMINARY HUD | 20260402/CA: RECEIVED | XXXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| XXXX | 4350120967 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | PAYOFF STATEMENT MISSING OR DEFECTIVE | MISSING PAYOFF STATEMENT FOR REFINANCE TRANSACTION AND PAYOFF OF LIEN REFLECTED ON TITLE COMMITMENT SCH B ITEM XXXXX RECORDED XXXX | 20260424/CA: RECEIVED | XXXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| XXXX | 4350120967 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | PROVIDED PRELIM HUD DOES NOT MATCH THE LOAN AMOUNT AND OMITS PAYOFF | 20260424/CA: RECEIVED | XXXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| XXXX | 4350120968 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||