Angel Oak Mortgage Trust I, LLC ABS-15G
Exhibit 99.27
| TPR Firm: | Report Date: | XXX | ||
| Client Name: | XXX | Report: | XXX | |
| Deal Name: | XXX | Loans in report: | XXX | |
| Incenter Loan ID | Client Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? |
| XXX | 2026040712 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Received additional account statements reflecting sufficient assets. Total Qualified Assets for Reserves Post-Close of XXX is equal to or greater than Total Required Reserve Amount of XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Counter-Received XXX statement, however statement is dated XXX which is expired. Missing updated XXX statement reflecting sufficient assets. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Total Qualified Assets for Reserves Post-Close of XXX is less than Total Required Reserve Amount of XXX Re-calculated reserves of XXX (XXX months) are less than the XXX-month guideline minimum (XXX). XXX reflects assets in the amount of XXX, Missing assets statements supporting XXX reserve shortage. Additional conditions may apply upon receipt. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received additional account statements reflecting sufficient assets. Total Qualified Assets for Reserves Post-Close of XXX is equal to or greater than Total Required Reserve Amount of XXX - Due Diligence Vendor-XXX |
Residual Income greater than minimum required - XXX residual income is greater than minimum residual income required per guidelines XXX. LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines XXX% |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040712 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received initial XXX for Borrower XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Missing initial 1003/URLA for borrower XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received initial URLA for Borrower XXX. - Due Diligence Vendor-XXX |
Residual Income greater than minimum required - XXX residual income is greater than minimum residual income required per guidelines XXX. LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines XXX% |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040717 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Lender commentary received stating no exception is required per investor. - Due Diligence Vendor-XXX Ready for Review-UNDERWRITER MANAGER RESPONSE - I personally had calls XXX and stated that if we get a new XXX and there are no new liabilities to add that would impact DTI no exception is needed. They specifically said this is not an exception. - Seller-XXX Counter-Lender commentary and investor exception approval received. Unable to determine if an exception is required and the investor's exception approval and lenders internal waiver form were provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. We spoke to the investor, and they said to proceed with ordering the XXX report if no issues no new debt, then there is no need for an exception - Seller-XXX Counter-Received XXX credit report, however it is dated outside of XXX days of the closing date and does not meet guidelines. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). XXX report for borrower and coborrower dated XXX exceeds XXX days from the closing date. Missing updated credit or XXX report. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-XXX |
Ready for Review-UNDERWRITER MANAGER RESPONSE - I personally had calls XXX and stated that if we get a XXX and there are no new liabilities to add that would impact DTI no exception is needed. They specifically said this is not an exception. - Seller-XXX Ready for Review-Document Uploaded. We spoke to the investor, and they said to proceed with ordering the XXX report if no issues no new debt, then there is no need for an exception - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Lender commentary received stating no exception is required per investor. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - XXX%/XXX% LTV is XXX% less than maximum LTV per guidelines XXX% Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040717 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received confirmation from XXX trust was reviewed and approved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Counter-Received trust cert, however missing documentation trust cert was reviewed and approved by the XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Trust/POA Does Not Meet Guideline Requirements The trust certificate was provided, but it has not been acknowledged or not signed or reviewed by title (per title requirement). - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received confirmation from XXX trust was reviewed and approved. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - XXX%/XXX% LTV is XXX% less than maximum LTV per guidelines XXX% Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |
XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040717 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received Clear XXX reflecting removal of items #XXX & #XXX. - Due Diligence Vendor-XXX Counter-Received title supplement reflecting title item #XXX is removed. Still missing title supplement reflecting XXX item #XXX will be subordinated (Missing copy of executed subordination agreement from XXX - XXX original amount XXX). - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. WILL DO REQUEST THE TITLE SUPPLEMENT REMOVING THE ITEM #XXX - Seller-XXX Open-Property Title Issue Missing title supplement and evidence of the following: (1) title item #XXX (XXX) will be removed; (2) Title item #XXX will be subordinated (Missing copy of executed subordination agreement from XXX - XXX original amount XXX). - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. WILL DO REQUEST THE TITLE SUPPLEMENT REMOVING THE ITEM #XXX - Seller-XXX |
Resolved-Received Clear XXX reflecting removal of items #XXX & #XXX. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - XXX%/XXX% LTV is XXX% less than maximum LTV per guidelines XXX% Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040717 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received VVOE within XXX days of the Note Date. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Copy of VVOE dated XXX exceeds XXX days to Note date of XXX. Missing copy of VVOE within XXX days of closing. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received VVOE within XXX days of the Note Date. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - XXX%/XXX% LTV is XXX% less than maximum LTV per guidelines XXX% Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040717 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received XXX reflecting sufficient title coverage and Mortgagee. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of XXX Missing title supplement to show lender's name and coverage amount. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received XXX reflecting sufficient title coverage and Mortgagee. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - XXX%/XXX% LTV is XXX% less than maximum LTV per guidelines XXX% Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040894 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Lender XXX received - XXX opened XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Business Income used from multiple accounts to form a complete XXX-months of income, which is not eligible as comingling of multiple accounts to generate a full XXX -months is not permitted by guidelines. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Lender LOX received - New account opened XXX- Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months Residual Income greater than minimum required - XXX residual income is greater than minimum residual income required per guidelines XXX. Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of XXX%. Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040894 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received supporting documentation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Missing lease agreement for the subject property. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received supporting documentation. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months Residual Income greater than minimum required - XXX residual income is greater than minimum residual income required per guidelines XXX. Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of XXX%. Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |
XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | ||
| XXX | 2026040894 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Counter-Received XXX credit report dated XXX, which is outside of XXX days from the Note date of XXX. Original condition remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX |
Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months Residual Income greater than minimum required - XXX residual income is greater than minimum residual income required per guidelines XXX. Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of XXX%. Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |
1) XXX% DTI is less than XXX% maximum 2) XXX months of Reserves are greater than XXX month minimum 3) XXX Residual income is greater than $XXX minimum |
XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | |
| XXX | 2026040944 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI and evidence of no HOA Dues for property located at XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Missing verification of insurance, and/or HOA fees for non-subject property located at 'XXX, XXX, XXX. Subject to recalculation of rental income/DTI. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received XXX and evidence of no XXX Dues for property located at XXX. - Due Diligence Vendor-XXX |
Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of XXX% LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines XXX% |
XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A |