CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G
Exhibit 99.1
Schedule 4(a) - Seasoned Credit Compliance Report I
Loan Level Exception - Final Grades
Run Date - 6/17/2026 3:17:34 PM
| FINAL CREDIT LOAN GRADES | FINAL COMPLIANCE LOAN GRADES | FINAL PROPERTY LOAN GRADES | FINAL OVERALL LOAN GRADES | ||||||||||||||||||||||||||||||||||||||||||||
| AMC Loan ID | Edgar Loan ID | Seller Loan ID | Borrower Name | Deal Number | Original Loan Amount | State | Note Date | Occupancy | Purpose | QM Status | Overall Grade | Credit Grade | Credit Exceptions | Credit Exception Information | Credit Exception Comments | Property Grade | Property Exceptions | Property Exception Information | Property Exception Comments | Compliance Grade | Compliance Exceptions | Compliance Exception Information | Compliance Exception Comments | Compliance Comp Factors | Compensating Factors | Subject to High Cost - Unable to Test | Disposition 2 | DBRS | Fitch | Kroll | Moody's | S&P | DBRS | Fitch | Kroll | Moody's | S&P | DBRS | Fitch | Kroll | Moody's | S&P | DBRS | Fitch | Kroll | Moody's | S&P |
| CMLTI 2026-LTV1-10327 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency - QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. [Redacted] | - | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||||
| CMLTI 2026-LTV1-10328 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Investment | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||
| CMLTI 2026-LTV1-10329 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Investment | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Prima[Redacted] | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt. | - | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | ||||||||||||
| CMLTI 2026-LTV1-10330 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Prima[Redacted] [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated[Redacted] is missing evidence of receipt from borrower. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| CMLTI 2026-LTV1-10024 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Investment | Purchase | N/A | 2 | 2 | [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file. | 1 | 1 | - | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||||
| CMLTI 2026-LTV1-10025 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Investment | Purchase | N/A | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||
| CMLTI 2026-LTV1-10063 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||
| CMLTI 2026-LTV1-10064 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||
| CMLTI 2026-LTV1-10067 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||
| CMLTI 2026-LTV1-10070 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||
| CMLTI 2026-LTV1-10071 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||
| CMLTI 2026-LTV1-10073 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||
| CMLTI 2026-LTV1-10074 | [Redacted] | XXXX | [Redacted] | [Redacted] | [Redacted] | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||