Exhibit 99.6
| Client Name: | |
| Client Project Name: | ACHM 2026-HE1 |
| Start - End Dates: | 6/26/2023 - 7/2/2026 |
| Deal Loan Count: | 656 |
| Conditions Report 2.0 | |
| Loans in Report: | 656 |
| Loans with Conditions: | 26 |
| 3 - Total Active Conditions | ||||||
| 2 - Material Conditions | ||||||
| 1 - Credit Review Scope | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 1 - Property Valuations Review Scope | ||||||
| 1 - Category: Value | ||||||
| 1 - Non-Material Conditions | ||||||
| 1 - Credit Review Scope | ||||||
| 1 - Category: DTI | ||||||
| 5 - Total Satisfied Conditions | ||||||
| 3 - Credit Review Scope | ||||||
| 1 - Category: Application | ||||||
| 1 - Category: DTI | ||||||
| 1 - Category: Income/Employment | ||||||
| 2 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| 1 - Category: Value | ||||||
| 19 - Total Waived Conditions | ||||||
| 3 - Credit Review Scope | ||||||
| 1 - Category: DTI | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 1 - Category: Title | ||||||
| 8 - Property Valuations Review Scope | ||||||
| 8 - Category: Value | ||||||
| 8 - Compliance Review Scope | ||||||
| 8 - Category: County High Cost | ||||||
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
| Client Name: | |
| Client Project Name: | ACHM 2026-HE1 |
| Start - End Dates: | 6/26/2023 - 7/2/2026 |
| Deal Loan Count: | 656 |
| Conditions Report 2.0 | |
| Loans in Report: | 656 |
| Loans with Conditions: | 26 |
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 5000026942 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has stable employment for 27 years at current job. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been living at current residence for 30 years. | |||||||||||||||
| 5000036077 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 830 significantly exceeds guideline threshold of 640. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been on current job for 11 years. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been on current job for 27 years. | |||||||||||||||
| 5000054798 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Consumer credit show 0x30x98. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 9 years. | |||||||||||||||
| 5000055495 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 60 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 8 years. | |||||||||||||||
| 5000055550 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 4 years. | |||||||||||||||
| 5000055666 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 667 exceeds min score requirement of 640. | |||||||||||||||
| 5000055671 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 20 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 11 years. | |||||||||||||||
| 5000055698 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 711 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 79.99%; guidelines allow 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 46.40% is below the guideline maximum of 50%. | |||||||||||||||
| 5000055770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 5 Years and 3 months at current residence. CFCFS2854: Significant time in profession - XXX Comments: 8 years and 3 months in current profession. CFCFS1744: DTI below guideline requirement - XXX Comments: Max DTI 50% File 28.12% | |||||||||||||||
| 5000055779 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 3 years 7 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been working for the same employer for 20 years. | |||||||||||||||
| 5000055818 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 748 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 42.63%; guidelines allow 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 32.13% is below the guideline maximum of 50%. | |||||||||||||||
| 5000055833 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 704 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 72.18%; guidelines allow 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 46.31% is below the guideline maximum of 50%. | |||||||||||||||
| 5000055835 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 45 months. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x91. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 9 years. | |||||||||||||||
| 5000055840 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 19 years. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 25 years. | |||||||||||||||
| 5000055844 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 702 FICO score. Minimum required 700. CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000055856 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | 1st AVM discloses -28.32% variance with a value of $XXX and the OA value is $XXX. 2nd AVM no hit. 3rd AVM discloses -33.24% variance with a value of $XXX and OA value is $XXX. Pending BPO. | 12.19.2025 BPO received value not supported, variance -13.83%.12.22.2025 Client acknowledges value not supported; requests waive. | 12.19.2025 Exception Remains.12.22.2025 Waived. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 650 mid score > min required of 640 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 56.55%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 34.56% is below the guideline maximum of 43%. |
| 5000055868 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 835 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 56.98%; guidelines allow 75%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 39.02% is below the guideline maximum of 50%. | |||||||||||||||
| 5000055877 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 751 mid score > min required of 700 CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 32.31% is below the guideline maximum of 50%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000055879 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 18 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 15 years. | |||||||||||||||
| 5000055894 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 9 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 640. File credit score 654. | |||||||||||||||
| 5000055900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 14 years. | |||||||||||||||
| 5000055985 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 21.33 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been XXX for 9.58 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x43. | |||||||||||||||
| 5000055992 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 48 months. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99. | |||||||||||||||
| 5000055998 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 819 mid score > min required of 700 CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 21.20% is below the guideline maximum of 50%. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 15.15%; guidelines allow 85%. | |||||||||||||||
| 5000056007 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 44.64% is below the guideline maximum of 50%. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 54.08%; guidelines allow 85%. | |||||||||||||||
| 5000056031 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 8 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 51 months. | |||||||||||||||
| 5000056045 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges$2,330.00Total Loan Amount$39,323.70Maximum Charges %5.000%Maximum Charges$1,966.18Charges Margin to Threshold$363.82Total Charges %5.925%Exceeds fees test threshold?Yes | 12.11.25-Client requested to waive per previous findings. | Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 39 Years and 6 months at current residence. CFCFS1737: LTV below guideline requirements - XXX Comments: Max LTV 75% File 16.48% |
| 5000056072 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 45.19% is below the guideline maximum of 50%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000056089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 55 months. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99. | |||||||||||||||
| 5000056103 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x94. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 22 years. | |||||||||||||||
| 5000056126 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 715 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 84.67%; guidelines allow 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 43.04% is below the guideline maximum of 45%. | |||||||||||||||
| 5000056130 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 5 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 72 months. | |||||||||||||||
| 5000056149 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 25 years at current residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 25 years at current job. | |||||||||||||||
| 5000056162 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 22 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 25 years. | |||||||||||||||
| 5000056167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 717 mid score > min required of 700 CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 39.17% is below the guideline maximum of 50%. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower has 0x30 for 230 months. | |||||||||||||||
| 5000056190 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 718 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 74.59%; guidelines allow 85%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000056191 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 727 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 71.99%; guidelines allow 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 22.45% is below the guideline maximum of 50%. | |||||||||||||||
| 5000056199 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 4 Years and 3 months at current residence. | |||||||||||||||
| 5000056241 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with XXX for 15 years and 10 months CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been employed with XXX for 28 years and 9 months. | |||||||||||||||
| 5000056295 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 17 Years and 0 months at current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: Max DTI 50% File 39.50% | |||||||||||||||
| 5000056348 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 13 years at primary residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 17 years at current job. | |||||||||||||||
| 5000056373 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 7 Years and 9 months at current residence. | |||||||||||||||
| 5000056994 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 709 exceeds guidelines 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV 46.28% is below guideline requirements of 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 27.70% is below the guideline maximum of 50%. | |||||||||||||||
| 5000057454 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 19.33 years at current residence. | |||||||||||||||
| 5000057458 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 6 years and 9 months CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000057517 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 31 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 90 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 14 years. | |||||||||||||||
| 5000057560 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the property for 7 year 6 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 8 years 5 months | |||||||||||||||
| 5000057590 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 49 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 723 exceeds min score requirement of 700. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 4 years. | |||||||||||||||
| 5000057657 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 701 exceeds min score requirement of 700. CFCFS2854: Significant time in profession - XXX Comments: Borrower has been in this line of work in the past:20 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 20 years. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 26 years. | |||||||||||||||
| 5000057669 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 8 Years and 6 months at current residence. CFCFS2854: Significant time in profession - XXX Comments: 5 years and 0 months in current profession. | |||||||||||||||
| 5000057672 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 5 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 15 years. | |||||||||||||||
| 5000057673 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 659 exceeds min score requirement of 640. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 7 years. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 63.41% / Max LTV 80%. | |||||||||||||||
| 5000057691 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 6 years CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 802 is 102 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - XXX Comments: 25.60% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000057694 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 10 years CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 11 years and 9 months CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 691 is 91 points above program guideline minimum of 600. | |||||||||||||||
| 5000057695 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 8 years 10 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $64,168.52 in consumer debt which reduced the monthly debt service by $1,588.00 CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 11 years 7 months | |||||||||||||||
| 5000057698 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 34.93% is below the guideline maximum of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 84 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 47.78%; guidelines allow 80%. | |||||||||||||||
| 5000057712 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 34.24 % below max of 43% | |||||||||||||||
| 5000057717 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 20 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. | |||||||||||||||
| 5000057718 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 36 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 65.22%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 663 mid score > min required of 600. | |||||||||||||||
| 5000057729 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 620 mid score > min required of 600. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000057759 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 680 mid score > min required of 600. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 120 months mortgage payment history 0x30. | |||||||||||||||
| 5000057767 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 662 exceeds min score requirement of 640. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 79.82% / Max LTV 80%. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99. | |||||||||||||||
| 5000057783 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 13 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 715 exceeds min score requirement of 640. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 63 months. | |||||||||||||||
| 5000057792 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 805 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000057802 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 17.9 years at current job. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 12.1 years at current residence. | |||||||||||||||
| 5000057814 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000057820 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 17 years. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 18 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 665 exceeds min score requirement of 640. | |||||||||||||||
| 5000057821 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 675 mid score > min required of 640. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 54.25%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 27.66% is below the guideline maximum of 43%. | |||||||||||||||
| 5000057822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 707 mid score > min required of 700. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 37.59% is below the guideline maximum of 45%. | |||||||||||||||
| 5000057824 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 37.50% DTI is below guideline requirement of 50.00%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 762 is 62 points above program guideline minimum of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 28 years and 6 months CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 5 years and 6 months | |||||||||||||||
| 5000057825 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 754 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 58.20%; guidelines allow 85%. | |||||||||||||||
| 5000057828 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has mortgage payment history 0x30 since 12/2011. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 18 years at current primary. | |||||||||||||||
| 5000057829 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 57 years at current residence. | |||||||||||||||
| 5000057837 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 640. File credit score 651. CFCFS1736: Significant time at current residence - XXX Comments: 8 Years and 0 months at current residence. | |||||||||||||||
| 5000057839 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 13 years and 5 months in current profession CFCFS1736: Significant time at current residence - XXX Comments: 8 Years and 0 months at current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: Max DTI 43% File 26.11% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 640. File credit score 674. | |||||||||||||||
| 5000057840 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 705 FICO score. Minimum required 670. | |||||||||||||||
| 5000057842 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 39.21% below max of 43% | |||||||||||||||
| 5000057845 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have resided in current owner occupied residence for 26.42 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been XXX with XXX for 7 years and 1 month. CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 29 months when 12 months are required. | |||||||||||||||
| 5000057847 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 775 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 5000057872 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 10.17 years at current residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 9.17 years at current job. | |||||||||||||||
| 5000057880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 642 mid score > min required of 600. | |||||||||||||||
| 5000057895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 10 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 612 exceeds min score requirement of 600. | |||||||||||||||
| 5000057900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 6 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 700. File credit score 716. CFCFS1736: Significant time at current residence - XXX Comments: 12 Years and 0 months at current residence. | |||||||||||||||
| 5000057905 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 782 mid score > min required of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 55.67%; guidelines allow 85%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000057914 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 691 exceeds min score requirement of 640. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 50 months. | |||||||||||||||
| 5000057928 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 59 months when 12 months are required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided in current owner occupied residence for 5.08 years. | |||||||||||||||
| 5000057930 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 36.02% DTI is below guideline requirement of 45.00%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 36 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - XXX Comments: 65.22% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000057952 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 16 years and 3 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 3 Years and 6 months at current residence. | |||||||||||||||
| 5000057971 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 33 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 701 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 93 months. | |||||||||||||||
| 5000057972 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 682 exceeds min score requirement of 640. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 75.11% / Max LTV 80%. | |||||||||||||||
| 5000057973 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 704 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 36 months mortgage payment history 0x30. | |||||||||||||||
| 5000057982 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $59,637.00 in consumer debt which removed $1,909.00 from the monthly debt service CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject for 5 years 4 months. | |||||||||||||||
| 5000057988 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x42. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job, 7.75 years. | |||||||||||||||
| 5000058014 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 mid score > min required of 700. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 45.77% is below the guideline maximum of 50%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 72 months mortgage payment history 0x30. | |||||||||||||||
| 5000058017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 18 months when 12 months are required. | |||||||||||||||
| 5000058040 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 644 exceeds min score requirement of 640. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 47 months. | |||||||||||||||
| 5000058045 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | XXX AVM discloses -17.77% variance with a value of $XXX and the OA value is $XXX. A second AVM provided through XXX also discloses a variance of -17.77% with a value of $XXX. AVM #3 no hit. BPO variance -28.96%. | 01/13/2026- Client acknowledges value not supported and requests waive. | 01/13/2026- Initial and final grade C. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 5.17 years at current job. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: CB has 9 years at current job. |
| 5000058058 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 25 years and 3 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 12 Years and 9 months at current residence. | |||||||||||||||
| 5000058068 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | Value not supported: AVM #1 variance -24.4225, AVM #2 variance -17.5550, AVM #3 variance -24.4225, BPO variance -23.5487. | 01/14/2026- Client acknowledges value not supported and requests waive. | 01/14/2026- Initial and final grade C. | Not Applicable | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 39 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 7 years. |
| 5000058087 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 655 mid score > min required of 640. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 36 months mortgage payment history 0x30. | |||||||||||||||
| 5000058089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 638 mid score > min required of 600. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000058115 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 23 years and 3 months in current profession CFCFS1736: Significant time at current residence - XXX Comments: 11 Years and 6 months at current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 700. File credit score 764. | |||||||||||||||
| 5000058160 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 9 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 10 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 61 months. | |||||||||||||||
| 5000058186 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 5 Years and 6 months at current residence. CFCFS2854: Significant time in profession - XXX Comments: 3 years and 3 months in current profession. | |||||||||||||||
| 5000058196 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 744 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 84 months mortgage payment history 0x30. | |||||||||||||||
| 5000058219 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges$2,180.00Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$1,813.46Charges Margin to Threshold$366.54Total Charges %6.011%Exceeds fees test threshold?Yes | 1.21.25-Client requested to waive per previous findings. | 1.21.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: 16.45% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 12 years and 7 months CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 7 years and 4 months |
| 5000058231 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 38.39% DTI is below guideline requirement of 50.00%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 850 is 150 points above program guideline minimum of 700. | |||||||||||||||
| 5000058233 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 7 years CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 18 years and 2 months CFCFS1737: LTV below guideline requirements - XXX Comments: 64.74% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - XXX Comments: 38.37% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000058239 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has retained stable employment with current employer for 9 years. CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 92 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000058263 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 5 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 54 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 23 years. | |||||||||||||||
| 5000058267 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 32.41% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - XXX Comments: 72.25% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000058278 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 35.35% below max of 43% | |||||||||||||||
| 5000058279 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 658 mid score > min required of 600. | |||||||||||||||
| 5000058287 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 12 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 695 exceeds min score requirement of 640. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 14 years. | |||||||||||||||
| 5000058289 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 635 exceeds min score requirement of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 13 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 59 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 13 years. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 12 years. | |||||||||||||||
| 5000058296 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 4 years and 3 months in current residence. | |||||||||||||||
| 5000058312 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have Occupied the subject property for 4 years 3 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 4 years 6 months. | |||||||||||||||
| 5000058334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTi 25.43% below max of 43% | |||||||||||||||
| 5000058346 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 30.44% DTI is below guideline requirement of 50.00%. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 803 is 103 points above program guideline minimum of 700. | |||||||||||||||
| 5000058351 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower credit score of 668 exceeds min score requirement of 640. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 97 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 21 years. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 26 years. | |||||||||||||||
| 5000058365 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 666 exceeds min score requirement of 640. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 79..99% / Max LTV 80%. | |||||||||||||||
| 5000058372 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 19 years, 3/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 709 mid score > min required of 700. | |||||||||||||||
| 5000058406 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 25 years and 0 months in current residence | |||||||||||||||
| 5000058418 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 40.49% below max of 43% CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has mortgage payment history 0x30 since 8/2020. | |||||||||||||||
| 5000058419 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 16 years 4 months CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject for 7 years 6 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with his employer for 7 years 8 months. | |||||||||||||||
| 5000058434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 20 years at current residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: CO-Borrower has 8 years at current job. | |||||||||||||||
| 5000058452 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 20 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 626 exceeds min score requirement of 600. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 43 months. | |||||||||||||||
| 5000058465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 25.14% DTI is below guideline requirement of 43.00%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 23 years and 5 months CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 7 years and 6 months | |||||||||||||||
| 5000058480 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 5 years and 0 months in current residence. | |||||||||||||||
| 5000058533 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 690 is 90 points above program guideline minimum of 600. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 6 years and 6 months CFCFS1744: DTI below guideline requirement - XXX Comments: 27.10% DTI is below guideline requirement of 43.00%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 9 years and 5 months CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job; 6 years and 4 months | |||||||||||||||
| 5000058566 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 12 years, 8/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 687 mid score > min required of 640. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 36 months mortgage payment history 0x30. | |||||||||||||||
| 5000058649 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 729 is 29 points above program guideline minimum of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: 24.49% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 31 years and 4 months | |||||||||||||||
| 5000058688 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 19.25 months. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X48. | |||||||||||||||
| 5000058737 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 38+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 746 is 46 points above program guideline minimum of 700. | |||||||||||||||
| 5000058777 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 28 years, 2/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 mid score > min required of 700. | |||||||||||||||
| 5000058782 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 745 is 45 points above program guideline minimum of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: 74.09% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 0x30 for 60+ months | |||||||||||||||
| 5000058828 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 6 years and 0 months in current profession CFCFS1736: Significant time at current residence - XXX Comments: 3 years and 0 months in current residence. | |||||||||||||||
| 5000058875 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower credit score of 720 exceeds min score requirement of 700. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 14 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 13 years. | |||||||||||||||
| 5000058876 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 52+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 749 is 49 points above program guideline minimum of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 7 years and 5 months | |||||||||||||||
| 5000058879 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 72+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - XXX Comments: 46.64% LTV below guideline requirements of 85.00% per program. | |||||||||||||||
| 5000058882 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 13 years, 6/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 703 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000058895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 765 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000058901 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 706 mid score > min required of 700 | |||||||||||||||
| 5000058905 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 835 mid score > min required of 700 | |||||||||||||||
| 5000058927 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 16 years, 5/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 798 mid score > min required of 700 | |||||||||||||||
| 5000058940 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 704 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 7 years, 9/mo. | |||||||||||||||
| 5000058974 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 16 years, 7/mo. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000058981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have lived at the current residence for 7 years | |||||||||||||||
| 5000058988 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have lived at the current residence for 30 years. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been XXX for 12 years | |||||||||||||||
| 5000059011 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 56 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with XXX for 9 years and 2 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided in current owner occupied residence for 8 years and 5 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 51.63%; max allowed per guidelines is 80%. | |||||||||||||||
| 5000059025 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 15 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 36 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 649 exceeds min score requirement of 640. | |||||||||||||||
| 5000059032 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 779 exceeds min score requirement of 640. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x88. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 13 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 30 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 8 years. | |||||||||||||||
| 5000059041 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 39.22% DTI is below guideline requirement of 50.00%. CFCFS1737: LTV below guideline requirements - XXX Comments: 79.65% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 836 is 136 points above program guideline minimum of 700. | |||||||||||||||
| 5000059080 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 5 years and 6 months in current profession CFCFS1736: Significant time at current residence - XXX Comments: 5 years and 0 months in current residence. | |||||||||||||||
| 5000059089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 48 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 9 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 773 exceeds min score requirement of 720. | |||||||||||||||
| 5000059096 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 31 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 756 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 50 months. | |||||||||||||||
| 5000059106 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 712 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000059117 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 679 mid score > min required of 600. | |||||||||||||||
| 5000059118 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 11.42 years CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X40. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 20 years. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job, 20 years 3 moths. | |||||||||||||||
| 5000059124 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 56 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 13 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 13 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 640 meets min score requirement of 640. | |||||||||||||||
| 5000059138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 6 years and 3 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 3 years and 0 months in current profession | |||||||||||||||
| 5000059142 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 24 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 708 mid score > min required of 700. | |||||||||||||||
| 5000059143 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 654 FICO score. Minimum required 640. | |||||||||||||||
| 5000059149 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has significant time at current job 21 years, 9/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 791 mid score > min required of 700. | |||||||||||||||
| 5000059155 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 702 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 11 years, 8/mo. | |||||||||||||||
| 5000059160 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 6 years and 1 month CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 9 years and 10 months CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 5000059205 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 5 years and 2 months CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 5 years and 9 months CFCFS1737: LTV below guideline requirements - XXX Comments: 66.90% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 5000059227 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 27.73% DTI is below guideline requirement of 50.00%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 796 is 96 points above program guideline minimum of 700. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 12 years and 9 months | |||||||||||||||
| 5000059229 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 794 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000059250 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 13.17 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 7.17 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X76. | |||||||||||||||
| 5000059251 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 0x30 for 60+ months CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 24 years and 2 months CFCFS1737: LTV below guideline requirements - XXX Comments: 21.30% LTV below guideline requirements of 85.00% per program. | |||||||||||||||
| 5000059252 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X26. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 19.08 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been XXX for 30.92 years. | |||||||||||||||
| 5000059254 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 640 meets the min score requirement of 640. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 13 years CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x36 | |||||||||||||||
| 5000059280 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 763 mid score > min required of 700 CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower has 0x30 for 285 months. | |||||||||||||||
| 5000059283 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99 CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 16 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 810 exceeds min score requirement of 720. | |||||||||||||||
| 5000059292 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 22 years 4 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $36,018.00 in consumer debt and $2,994.84 in HELOC = $39,012.84 which reduced the monthly debt by $915.00 - $725.07 PI New HELOC = $189.93 net monthly debt reduction. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 55.81% and guidelines allow the HCLTV to be 75% | |||||||||||||||
| 5000059299 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 6 years 10 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 22 years 5 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $100,566.00 in consumer debt which removed $3,340.73 from the monthly debt service - $1,349.06 HELOC PI = $1,991.67 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 64.86% and guidelines allow the HCLTV to be 75% | |||||||||||||||
| 5000059301 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 835 exceeds min score requirement of 700. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 20.18% / Max LTV 75%. | |||||||||||||||
| 5000059303 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 843 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 61 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 7 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 10 years. | |||||||||||||||
| 5000059304 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 11 years, 6/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 660 mid score > min required of 600. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000059309 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 7 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 36 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 26 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 679 exceeds min score requirement of 640. | |||||||||||||||
| 5000059331 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: 73.95% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 10 years and 2 months CFCFS1744: DTI below guideline requirement - XXX Comments: 39.91% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 5000059336 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 5.17 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X45. | |||||||||||||||
| 5000059348 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 22.25 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Positive mortgage payment history 0X30X63. | |||||||||||||||
| 5000059370 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 50 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 7 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 718 exceeds min score requirement of 700. | |||||||||||||||
| 5000059375 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 748 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 58 months. | |||||||||||||||
| 5000059380 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 12 years. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 19 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 47 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 712 exceeds min score requirement of 700. | |||||||||||||||
| 5000059382 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 822 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 54 months. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 75.86% / Max LTV 85%. | |||||||||||||||
| 5000059410 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 736 exceeds min score requirement of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 42.09% / Max LTV 85%. | |||||||||||||||
| 5000059417 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 24 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 46 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 745 exceeds min score requirement of 700. | |||||||||||||||
| 5000059418 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 12.25 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 25.5 years, | |||||||||||||||
| 5000059420 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 11 years CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. | |||||||||||||||
| 5000059440 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 62.43% / Max LTV 85%. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 18 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 701 exceeds min score requirement of 700. | |||||||||||||||
| 5000059443 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 714 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 24 months. | |||||||||||||||
| 5000059454 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 72 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 15 years, 8/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 752 mid score > min required of 700. | |||||||||||||||
| 5000059471 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 8.5 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 12.58 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X51. | |||||||||||||||
| 5000059473 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Good credit history 0X30X228. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 9.42 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X54. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 14.33 years. | |||||||||||||||
| 5000059475 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence; 8 years and 3 months CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job; 24 years CFCFS1737: LTV below guideline requirements - XXX Comments: 73.21% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - XXX Comments: 35.18% DTI is below guideline requirement of 43.00%. | |||||||||||||||
| 5000059488 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job, 6 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, CB 5 years. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 22.90% is below max DTI of 45% | |||||||||||||||
| 5000059494 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 52 months. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 80% / Max LTV 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 726 exceeds min score requirement of 700. | |||||||||||||||
| 5000059505 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time in job field 15 years, 6/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 730 mid score > min required of 700. | |||||||||||||||
| 5000059513 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 5000059520 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with current job in the past: 11 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 731 exceeds min score requirement of 700. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 15 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. | |||||||||||||||
| 5000059537 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 802 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 50.38%; guidelines allow 80%. | |||||||||||||||
| 5000059589 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 3 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 30.69% and guidelines allow the DTI to be 50% | |||||||||||||||
| 5000059603 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 28 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 50 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 6110 exceeds min score requirement of 600. | |||||||||||||||
| 5000059605 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 37 years, 3/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 701 mid score > min required of 700. | |||||||||||||||
| 5000059607 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 709 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 240 months mortgage payment history 0x30. | |||||||||||||||
| 5000059608 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $61,812.00 in consumer debt which removed $1,330.00 from the monthly debt service - $622.63 PI on New HELOC = $707.37 net monthly debt service savings. | |||||||||||||||
| 5000059626 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 713 mid score > min required of 700. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job 20 years, 8/mo. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 4 years, 7/mo. | |||||||||||||||
| 5000059650 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 736 exceeds min score requirement of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 15 years. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 10 years. | |||||||||||||||
| 5000059654 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 1 month. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 20 years 2 months. | |||||||||||||||
| 5000059660 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 8 years, 0/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 72 months mortgage payment history 0x30. | |||||||||||||||
| 5000059661 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 13 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 41 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 713 exceeds min score requirement of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 13 years. | |||||||||||||||
| 5000059692 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: B2 has occupied the subject for 6 years CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 7 years 8 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off consumer debt in the amount of $26,506.00 which removed $693.00 from the monthly debt service - $359.06 PI HELOC = $333.94 net monthly debt service savings. | |||||||||||||||
| 5000059695 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 5 years, 8/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 750 mid score > min required of 700. | |||||||||||||||
| 5000059727 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 96 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 708 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 27 years, 3/mo. | |||||||||||||||
| 5000059730 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 6 years, 7/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 746 mid score > min required of 700. | |||||||||||||||
| 5000059736 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | AVM updated valuation completed by XXX with a -15.57% variance with a value of $XXX and the XXX value is $XXX. A 2nd valuation then completed by XXX discloses -31.32% variance with a value of $XXX. And finally, the 3rd valuation completed by XXX discloses -20.29% variance with a value of $XXX. Value not supported. | 03/26/2026- Client acknowledges value not supported, requests waive. | 03/26/2026- XXX initial and final grade C. | Not Applicable | Not Applicable | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. |
| 5000059758 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 717 mid score > min required of 700. | |||||||||||||||
| 5000059783 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 659 mid score > min required of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 5 years, 10/mo. | |||||||||||||||
| 5000059808 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 5 years, 3/mo. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 17 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 702 mid score > min required of 700. | |||||||||||||||
| 5000059823 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 770 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 6 years, 8/mo. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 72 months mortgage payment history 0x30. | |||||||||||||||
| 5000059828 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x107. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x45. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 784 Credit score exceeds minimum guideline score of 700. | |||||||||||||||
| 5000059885 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 764 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. | |||||||||||||||
| 5000059897 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X57. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 7 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 10.58 years. | |||||||||||||||
| 5000059906 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $40,924.00 in consumer debt which reduced the monthly debt service by $1,650.00 - $706.75 PI New HELOC = $943.25 net monthly debt service reduction. CFCFS1744: DTI below guideline requirement - XXX Comments: The DTI is 35.61% and guidelines allow the DTI to be 43% | |||||||||||||||
| 5000059917 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 5 years, 0/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 755 mid score > min required of 700. | |||||||||||||||
| 5000059927 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 7.75 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 7.58 years. | |||||||||||||||
| 5000059954 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 16.25 years. CFCFS2860: Good credit history - XXX Comments: Good credit history 0X30X107. | |||||||||||||||
| 5000059981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $ 13,521.89 in consumer debt plus $11,552.97 existing HELOC which took $ 1,103.00 out of the monthly debt service - $726.46PI new HELOC = $376.54 net monthly debt service savings CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 3 months. | |||||||||||||||
| 5000059995 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 799 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 72 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 4 years, 3/mo. | |||||||||||||||
| 5000060005 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 35.79% and guidelines allow the HCLTV to be 80% CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 4 years 6 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 20 years 7 months. | |||||||||||||||
| 5000060022 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 700. File credit score 842 | |||||||||||||||
| 5000060062 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have lived at the current residence for 9 years CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: The co-borrower has been working for the same employer for 21 years | |||||||||||||||
| 5000060071 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $ 59,716.00 in consumer debt + an existing HELOC for $4,001.00 which reduced the monthly debt service by $3,080.00 - $893.93 new HELOC PI = $2,186.07 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 16 years 4 months | |||||||||||||||
| 5000060072 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 743 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 108 months mortgage payment history 0x30. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job 19 years, 3/mo. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 7 years, 3/mo. | |||||||||||||||
| 5000060076 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been working for the same employer for 18 years. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 8 years | |||||||||||||||
| 5000060088 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 20 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 750 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 70 months. | |||||||||||||||
| 5000060091 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 3 years, 3/mo. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 753 mid score > min required of 700. | |||||||||||||||
| 5000060119 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 15 years and 1 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 700. File credit score 827 | |||||||||||||||
| 5000060132 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 84 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 743 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 12 years, 7/mo. | |||||||||||||||
| 5000060151 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 753 mid score > min required of 700. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower has 0x30 for 163 months. | |||||||||||||||
| 5000060155 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 8 years, 4/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 725 mid score > min required of 700. | |||||||||||||||
| 5000060162 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $52,214.00 in consumer debt which removed $1,312.00 from the monthly debt service. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 8 years 7 months. CFCFS1744: DTI below guideline requirement - XXX Comments: The DTI is 21.94% and guidelines allow the DTI to be 43% | |||||||||||||||
| 5000060181 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | High-Cost Loan by exceeding points and fees threshold; Adjusted Charges of $2,736.00 equal to 5.752%; Maximum charges allowed $2378.23 or 5.000%; exceeds allowable by $357.77 or 0.752%. | 3.26.26-Client requested Waiver. | 3.26.26-Final Grade B. | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Credit history is positive over the review period. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 10 years |
| 5000060195 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 41.54% / Max LTV 80%. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 18 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 624 exceeds min score requirement of 600. | |||||||||||||||
| 5000060227 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 7.42 years. | |||||||||||||||
| 5000060232 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 805 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 84 months mortgage payment history 0x30. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower has 0x30 for 101 months. | |||||||||||||||
| 5000060239 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 764 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 15 years, 3/mo. | |||||||||||||||
| 5000060256 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 702 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 11 years, 0/mo. | |||||||||||||||
| 5000060258 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 13.67 years. | |||||||||||||||
| 5000060264 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 59.99% and guidelines allow the HCLTV to be 80% CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 14 years 2 month. | |||||||||||||||
| 5000060268 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 623 mid score > min required of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 19 years, 0/mo. | |||||||||||||||
| 5000060270 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 6.5 years. | |||||||||||||||
| 5000060282 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 25 years 5 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 44.52% and guidelines allow the HCLTV to be 80% | |||||||||||||||
| 5000060285 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 18 years CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. | |||||||||||||||
| 5000060298 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 7 years and 6 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 8 years and 0 months in current profession | |||||||||||||||
| 5000060310 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 10.42 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X53. | |||||||||||||||
| 5000060314 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 56.17% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $32,252.00 in consumer debt which removed $1,118.00 from the monthly debt service - $894.10 PI New HELOC = $223.90 net monthly debt service savings CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject for 4 years 7 months | |||||||||||||||
| 5000060318 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 19 years 7 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 61.68% and guidelines allow the HCLTV to be 75% CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 9 year 7 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid Off $50,525.00 in consumer debt which removed $1,944.00 from the monthly debt service - $781.52 PI New HELOC = $1,162.48 net monthly debt service savings | |||||||||||||||
| 5000060319 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 652 mid score > min required of 600. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 17.27% is below the guideline maximum of 43%. | |||||||||||||||
| 5000060321 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $36,647.00 in consumer debt which took $1,760.00 out of the monthly debt service - $805.49 PITI New HELOC Payment = $954.51 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 18.87% and guidelines allow the HCLTV to be 75% | |||||||||||||||
| 5000060324 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 8 years | |||||||||||||||
| 5000060327 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 808 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 30 years, 2/mo. | |||||||||||||||
| 5000060332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 12 years 2 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 68.43% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $18,754.00 in consumer debt which removed $746.00 from the monthly debt service - $732.49 PI New HELOC = $13.51 net monthly debt service savings CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 7 years 4 months. | |||||||||||||||
| 5000060342 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 609 mid score > min required of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 8 years, 9/mo. | |||||||||||||||
| 5000060362 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 55 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 697 exceeds min score requirement of 640. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 16 years. | |||||||||||||||
| 5000060378 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $101,454.00 in consumer debt which removed $3,049.00 from the monthly debt service - $1,342.30 PI New HELOC = $1,706.70 net monthly debt savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 47.34% and and guidelines allow the HCLTV to be 75% CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject for 5 years 9 months. | |||||||||||||||
| 5000060384 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 763 mid score > min required of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 3.01%; guidelines allow 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 7.27% is below the guideline maximum of 50%. | |||||||||||||||
| 5000060404 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 11 years, 6/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 827 mid score > min required of 700. | |||||||||||||||
| 5000060409 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 11 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 673 exceeds min score requirement of 640. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 21 years. | |||||||||||||||
| 5000060464 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 66 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 645 exceeds min score requirement of 640. | |||||||||||||||
| 5000060634 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 804 exceeds min score requirement of 640. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 66 months. | |||||||||||||||
| 5000060686 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | XXX AVM discloses -42.14% variance with a value of $XXX and the XXX value is $XXX. A second AVM not supported, variance 48.2318%. BPO received, variance -17.3449%, value not supported. | 04/20/2026- Client acknowledges value not supported, requests waive. | 04/20/2026- XXX initial and final grade C. | Not Applicable | Not Applicable | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 50 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been XXX with XXX for 15 years and 2 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 71.65%; max allowed per guidelines is 85%. |
| 5000060706 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: CB has 27 years at current job. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 13.5 years at job. | |||||||||||||||
| 5000060789 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: B1 has occupied the subject property for 40 years 4 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 31.5% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $49,020.58 in consumer debt and existing HELOC which removed $1,065.00 from the monthly debt service - $628.62 New HELOC PI = $436.38 net monthly debt service savings | |||||||||||||||
| 5000060822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 60 months mortgage payment history 0x30 CFCFS1741: Credit score exceeds guidelines - XXX Comments: 840 mid score > min required of 700. | |||||||||||||||
| 5000060825 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 8 years CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgager history reporting to credit is positive. | |||||||||||||||
| 5000060829 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 808 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 288 months mortgage payment history 0x30. | |||||||||||||||
| 5000060873 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 7 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: 742 mid score > min required of 700. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job 7 years, 3/mo. | |||||||||||||||
| 5000060876 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 42.29%; guidelines allow 80%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 18 years, 8/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 771 mid score > min required of 700. | |||||||||||||||
| 5000060886 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $49,314.00 in consumer debt which removed $1,293.00 from the monthly debt service - $703.86 New HELOC PI = $589.14 Net Monthly Debt Service savings CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 54.01% and guidelines allow the HCLTV to be 75% CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 7 years 4 months. | |||||||||||||||
| 5000060958 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 8.7 years at job. | |||||||||||||||
| 5000061016 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $70,003.00 in consumer debt which removed $1,550.00 from the monthly debt service - $698.62 PI for New HELOC = $851.38 net monthly debt services savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 6 years 10 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 8 years 6 months. | |||||||||||||||
| 5000061035 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x62. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 5.67 years. | |||||||||||||||
| 5000061043 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 2 years, 8/mo. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 mid score > min required of 700. | |||||||||||||||
| 5000061072 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 25 years | |||||||||||||||
| 5000061078 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 11 years, 8/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 850 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000061080 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 829 mid score > min required of 700. | |||||||||||||||
| 5000061084 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 58.83%; max allowed per guidelines is 80%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 30.21%, max per guidelines is 43%. CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have resided in current owner occupied residence for 10 years and 5 months. | |||||||||||||||
| 5000061085 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 44 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with Adventist Health for 8 years and 4 months. | |||||||||||||||
| 5000061087 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 19 years and 9 months in current residence. | |||||||||||||||
| 5000061111 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 3 years and 0 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 12 years and 6 months in current residence. | |||||||||||||||
| 5000061121 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 9 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: 797 mid score > min required of 700. | |||||||||||||||
| 5000061146 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $38,961.00 in consumer debt + $30,123.81 previous HELOC which removed $1,431.00 from the monthly debt service - $772.31 New HELOC PI = $658.69 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 11 years 3 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 25 years 11 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 64.94% and guidelines allow the HCLTV to be 75% | |||||||||||||||
| 5000061148 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 64 months when 12 months are required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided in current owner occupied residence for 24 years and 1 month. | |||||||||||||||
| 5000061159 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 20.47% is below max 50%. | |||||||||||||||
| 5000061172 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x251. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 53 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30.37. | |||||||||||||||
| 5000061177 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x53 CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 30 years. | |||||||||||||||
| 5000061186 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 6.5 years at current primary. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 33.61 is below max of 50%. | |||||||||||||||
| 5000061187 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 716 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 11 years, 7/mo. | |||||||||||||||
| 5000061210 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 637 mid score > min required of 600. | |||||||||||||||
| 5000061219 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided in current owner occupied residence for 8 years. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 59.66%; max allowed per guidelines is XX%. | |||||||||||||||
| 5000061238 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X62. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job, 20 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 5.33 years. | |||||||||||||||
| 5000061239 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 24.58 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x99. | |||||||||||||||
| 5000061245 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 4 years | |||||||||||||||
| 5000061256 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X52. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 18.92 years. | |||||||||||||||
| 5000061263 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 9.83 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 22.17 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x99. | |||||||||||||||
| 5000061266 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 712 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 108 months mortgage payment history 0x30. | |||||||||||||||
| 5000061288 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 6.33 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been XXX for 17.92 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X38. | |||||||||||||||
| 5000061295 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 4 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 10 years CFCFS1745: Significant total monthly debt reduction - XXX Comments: The borrower paid off $33,103.00 in consumer debt which reduced the monthly debt service by $997.00 494.18 New HELOC PI = $502.82 net monthly debt service savings. | |||||||||||||||
| 5000061311 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been XXX for 19.08 years. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job. 19.75 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 5.83 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x99. | |||||||||||||||
| 5000061315 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned and resided in subject property as primary residence for 8 years. | |||||||||||||||
| 5000061333 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 713 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 48 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 27 years. | |||||||||||||||
| 5000061338 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 11 years and 0 months in current residence. | |||||||||||||||
| 5000061339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job, 11.33 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 20.83 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 6.08 years. | |||||||||||||||
| 5000061345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 819 mid score > min required of 700. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job 6 years, 5/mo. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 48.82%; guidelines allow 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 12.17% is below the guideline maximum of 50%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 3 years, 5/mo. | |||||||||||||||
| 5000061352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 732 exceeds min score requirement of 700. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 5.42 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x39. | |||||||||||||||
| 5000061356 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges of $3,632 or 5% exceed max allowable of $3,604.77 or 5.038% by $27.33. | 5.25.26-Client requested waiver per below statement: Waiver Requested The standard 3.5% Origination Fee ($2,667.00) and $725.00 Underwriting Fee, when combined with other applicable closing costs, exceed the strict points and fees threshold. To render the loan salable and compliant, the lender fees or third-party settlement charges must be reduced by at least $27.33 (e.g., via a lender credit or direct fee reduction on the origination or underwriting fee) so the loan passes the compliance audit prior to final clear to close. | 5.25.26-Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been working for the same employer for 32.25 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 28 years |
| 5000061359 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 5 years and 6 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 9 years and 6 months in current residence. | |||||||||||||||
| 5000061375 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 8 years and 6 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 2 years and 6 months in current profession. | |||||||||||||||
| 5000061377 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 769 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 42.65% / Max LTV 85%. | |||||||||||||||
| 5000061384 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 725 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 5000061395 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 779 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 4 years. | |||||||||||||||
| 5000061396 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 709 FICO score. Minimum required 700. | |||||||||||||||
| 5000061399 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 6 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 750 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 38 months. | |||||||||||||||
| 5000061433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 734 exceeds min score requirement of 700. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x72. | |||||||||||||||
| 5000061440 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x97. | |||||||||||||||
| 5000061454 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has worked for the current employer for 11 years CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 17 years | |||||||||||||||
| 5000061487 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 788 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 56 months. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 69.95% / Max LTV 85%. | |||||||||||||||
| 5000061504 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 9 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 11 years. | |||||||||||||||
| 5000061507 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job, 5 years 1 month. CFCFS1739: Postive mortgage payment history - XXX Comments: Positive mortgage payment history 0X30X65. CFCFS2860: Good credit history - XXX Comments: Good credit history 0X30X206. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 25.83 years. | |||||||||||||||
| 5000061508 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Minimum credit score required is 700, borrower's credit score is 714. CFCFS1737: LTV below guideline requirements - XXX Comments: Maximum CLTV is 85%, subject's CLTV is 69.24%. | |||||||||||||||
| 5000061521 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 708 FICO score. Minimum required 700. CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000061534 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 36 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 796 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 18 years | |||||||||||||||
| 5000061580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 7 years 4 months CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 25.18% and guidelines allow the HCLTV to be 80% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid Off $14,514.00 in consumer debt which removed $1,094.00 from the monthly debt service + $8,561.36 previous HELOC which removed $738.00 for a total of $1,832.00 monthly debt service reduction - $1,125.78 new HELOC PITI = $706.22 net monthly debt service savings | |||||||||||||||
| 5000061581 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 700 is inline with min score requirement of 700. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 6 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 53 months. | |||||||||||||||
| 5000061612 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x61. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 5.25 years. | |||||||||||||||
| 5000061649 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has significant time at current residence: 16yr 2mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 742 mid score > min required of 700. | |||||||||||||||
| 5000061651 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 760 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 20 years, 6/mo. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000061662 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been in this business for the past: 27 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 703 exceeds min score requirement of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 38.92% / Max LTV 85%. | |||||||||||||||
| 5000061669 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $21,189.00 in consumer debt which removed $372.00 from the monthly debt service - $408.04 PI on new HELOC = $36.04 increase in monthly debt service and received $10,820.08 cash-in-hand at closing. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 10 years 10 months. | |||||||||||||||
| 5000061678 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 17 years | |||||||||||||||
| 5000061690 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 37 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 83 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 727 exceeds min score requirement of 700. | |||||||||||||||
| 5000061692 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 11 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 817 exceeds min score requirement of 700. | |||||||||||||||
| 5000061699 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 16.09% max per guidelines is 43%. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at primary residence for over 25 years | |||||||||||||||
| 5000061717 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 19.11% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $30,598.00 in consumer debt which removed $728.00 from the monthly debt service - $262.97 New HELOC payment = $465.03 net savings on the monthly debt service. | |||||||||||||||
| 5000061726 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been working for the same employer for 20 years CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 28 years | |||||||||||||||
| 5000061767 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 9 years at current primary. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 7.6 years at current job. | |||||||||||||||
| 5000061770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 7 years and 6 months in current residence. | |||||||||||||||
| 5000061823 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 17 years, 4/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 702 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 84 months mortgage payment history 0x30. | |||||||||||||||
| 5000061853 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 22 years at current primary. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 28 years at current job. | |||||||||||||||
| 5000061892 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 735 FICO score. Minimum required 700. CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 1 late payment. | |||||||||||||||
| 5000061907 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 43%, borrower's DTI is 37.83% | |||||||||||||||
| 5000061911 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 802 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 70 months. | |||||||||||||||
| 5000061913 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 19 years and 6 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 15 years and 6 months in current residence. | |||||||||||||||
| 5000061936 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 10 years CFCFS2860: Good credit history - XXX Comments: Credit history is positive. | |||||||||||||||
| 5000061962 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 777 FICO score. Minimum required 700. CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 1 late payment. | |||||||||||||||
| 5000061967 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 755 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 49 months. | |||||||||||||||
| 5000061984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges$1,620.00Total Loan Amount$22,592.63Maximum Charges %5.000%Maximum Charges$1,129.63Charges Margin to Threshold$490.37Total Charges %7.171%Exceeds fees test threshold?Yes | 5.25.26-Client requested waiver per below statement: Waiver Requested The Underwriting Fee appears to have already been manually reduced from the standard $725.00 down to $531.28, likely in an attempt to pass the HOEPA points and fees test. Despite this reduction, the total charges ($1,620.00) still exceed the 5% limit by $490.37. The lender fees or third-party settlement fees must be reduced by at least this margin to proceed with a salable and compliant loan. | 5.25.26-Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 3 years 6 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 3 years 4 months. |
| 5000061989 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 722 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 19 years and 6 months in current residence. | |||||||||||||||
| 5000061990 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 40 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 731 exceeds min score requirement of 700. | |||||||||||||||
| 5000061998 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 11.7 years at current job. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 7 years at current residence. | |||||||||||||||
| 5000061999 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 9.5 years at current residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: 16 years at current job. | |||||||||||||||
| 5000062035 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $45,951.00 in consumer debt which removed $1,144.00 from the monthly debt service - $765.71 PI New HELOC payment = $378.29 net savings | |||||||||||||||
| 5000062051 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 21 years | |||||||||||||||
| 5000062084 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 6 years and 0 months in current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: Max DTI 50% File 37.57% CFCFS2854: Significant time in profession - XXX Comments: 19 years and 0 months in current profession. | |||||||||||||||
| 5000062090 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 7 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 704 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 59 months. | |||||||||||||||
| 5000062092 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 623 exceeds min score requirement of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 29 years. | |||||||||||||||
| 5000062109 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 10 years and 6 months in current profession. | |||||||||||||||
| 5000062124 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 53.70% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $58,744.00 in consumer debt which reduced the monthly debt service by $1,305.00 - $696.17 New HELOC PI = $608.83 net monthly debt service savings | |||||||||||||||
| 5000062130 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for over 23 years | |||||||||||||||
| 5000062135 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $12,855.00 in consumer debt which removed $1,221.00 from the monthly debt service - $499.02 HELOC PI = $721.98 net monthly debt service savings CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 68.82% and guidelines allow the HCLTV to be 75% CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 7 years 8 months. | |||||||||||||||
| 5000062158 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 735 mid score > min required of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. | |||||||||||||||
| 5000062159 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 21.82% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid Off $11,579.00 in consumer debt and a previous HELOC $40,656.83 which reduced the monthly debt service by $861.64 - $690.32 New HELOC payment = $171.32 net monthly debt service savings | |||||||||||||||
| 5000062188 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 5 years and 6 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 18 years and 0 months in current profession. | |||||||||||||||
| 5000062191 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 702 FICO score. Minimum required 700. CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 97 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000062199 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: B1 has owned subject residence for 6 years. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: B1 has mortgage payment history 0x30 since 6/2017. | |||||||||||||||
| 5000062205 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid Off $53,786.00 in consumer debt which removed $2,230.00 from the monthly debt service and $33,364.76 New Jersey State Tax Lien. $2,230.00 monthly debt service reduction - $977.08 HELOC PI = $1,252.92 net monthly debt service savings. | |||||||||||||||
| 5000062206 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | The adjusted charges are $6,262.25 and the maximum charges are $5662.34. The maximum charges are 5%, the total charge % is 5.530 which is over by .530%. | 6.17.26-Waiver Requested by Client. | 6.17.26-Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 7.08 years. CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x225. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 5.08 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x81 |
| 5000062226 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 741 mid score > min required of 700. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 23.96% is below the guideline; maximum of 50%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 9 years, 7/mo. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 46.50%; guidelines allow 85%. | |||||||||||||||
| 5000062233 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 699 mid score > min required of 600. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 32.13% is below the guideline; maximum of 43%. | |||||||||||||||
| 5000062256 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 24 years and 0 months in current residence. | |||||||||||||||
| 5000062258 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 10 years and 3 months in current residence CFCFS2854: Significant time in profession - XXX Comments: 21 years and 6 months in current profession. CFCFS1744: DTI below guideline requirement - XXX Comments: Max DTI 50% File 41.88% | |||||||||||||||
| 5000062259 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 743 FICO score. Minimum required 700. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 41.58% is below max DTI of 45%. | |||||||||||||||
| 5000062261 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 40 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 644 exceeds min score requirement of 640. CFCFS1737: LTV below guideline requirements - XXX Comments: Actual LTV 59.61% / Max LTV 80%. | |||||||||||||||
| 5000062264 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: The borrowers paid of $87,310.00 in consumer debt + $40,308.28 HELOC = $127,618.28 which removed $3,608.00 from the monthly debt service - $1,624.08 New HELOC PI = $1,983.92 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: B1 has occupied the subject property for 21 years 6 months and B2 has occupied the subject for 6 years 2 months. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 12 years 2 months. | |||||||||||||||
| 5000062277 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 686 exceeds min score requirement of 640. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 99 months. | |||||||||||||||
| 5000062282 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 6.9 years at current job. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 5.75 years at current residence. | |||||||||||||||
| 5000062284 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with Terrell County Board of Education for 24 years and 2 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided in current owner occupied residence for 24 years and 2 months. | |||||||||||||||
| 5000062292 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 29 years 1 month. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 7 years 2 months CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 43.06% and guidelines allow the HCLTV to be 75% | |||||||||||||||
| 5000062303 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 810 FICO score. Minimum required 700. CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000062310 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: The borrower paid off $16,164.00 in consumer debt which reduced the monthly debt service by $711.00 - $220.93 new HELOC PI = $490.07 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 25 years 9 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 4 years 2 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 6.49% and guidelines allow the HCLTV to be 75% | |||||||||||||||
| 5000062313 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 30 years and 0 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 11 years and 0 months in current profession. | |||||||||||||||
| 5000062316 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 43.00%, borrower's DTI is 23.93%. CFCFS1737: LTV below guideline requirements - XXX Comments: Maximum CLTV is 80%, subject's CLTV is 73.61% | |||||||||||||||
| 5000062318 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Minimum credit score required is 700, borrower's credit score is 737. CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 50%, borrower's DTI is 45.99% | |||||||||||||||
| 5000062340 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 6 months. | |||||||||||||||
| 5000062346 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Credit history is positive. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 23 years | |||||||||||||||
| 5000062363 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges was $2,737.75 and the Maximum Charges was $2,382.20, which was a threshold difference of $355.55 which exceeds the state threshold. | 5.25.26-Client requested waiver per below statement:Waiver Requested The standard 3.5% Origination Fee ($1,772.75) and $725.00 Underwriting Fee, when combined with other applicable closing costs, exceed the strict points and fees threshold specific to XXX, Illinois. To render the loan salable and compliant, the lender fees or third-party settlement charges must be reduced by at least $355.55 (e.g., via a lender credit or fee reduction) so the loan passes the XXX audit prior to final clear to close. | 5.25.26-Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 823 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 10 years, 7/mo. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 60 months mortgage payment history 0x30. |
| 5000062372 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 642 FICO score. Minimum required 640. | |||||||||||||||
| 5000062374 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 67.01% and guidelines allow the HCLTV to be 80% CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 6 years 2 months CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit to borrower: Paid off $42,169.00 in consumer debt which removed $1,033.00 from the monthly debt service - $513.66 new HELOC PI = $519.34 net debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 6 years 2 months | |||||||||||||||
| 5000062402 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | XXX AVM discloses -21.6248% variance with a value of $XXX and and the XXX value is $XXX. A second AVM is required. XXX to order. XXX AVM discloses -10.1723% variance with a value of $XXX and and the XXX value is $XXX. A XXX is discloses-23.35% variance with a value of $XXX and the XXX value $XXX. | 6.18.2026- Client requested waiver | 6.18.2026- XXX final grade C | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 10 years and 0 months in current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 25.58% is below guideline requirement of 43%. |
| 5000062431 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: The borrower paid off a previous HELOC and consumer debt in the amount of $56,317.60 which removed $1,681.00 from the monthly debt service - $897.90 new HELOC PI = $783.10 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 27 years 5 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 26 year 11 months. | |||||||||||||||
| 5000062465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 658 Credit score exceeds minimum guideline score of 600. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 10.42 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x48. | |||||||||||||||
| 5000062481 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 14 years 6 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 7 year 8 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 12.01% and guidelines allow the HCLTV to be 80% | |||||||||||||||
| 5000062495 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: The borrower paid off $46,394.00 in consumer debt which removed $1,162.00 from the monthly debt service - $564.16 New HELOC PI = $597.84 net monthly debt service savings. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 21 years 7 months CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 12 years 11 months. | |||||||||||||||
| 5000062534 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 66.08% and guidelines allow the HCLTV to be 75% CFCFS1736: Significant time at current residence - XXX Comments: B1 has occupied the subject property for 6 years 3 months. B2 has occupied the subject for 5 years 3 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 10 years 9 months CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $21,544.00 in consumer debt + $31,858.06 existing HELOC = $XXX which removed $1,295.22 from the monthly debt service - $1,027.76 new HELOC PI = $267.46 Net monthly debt service savings and received $48,987.84 cash in hand at closing. | |||||||||||||||
| 5000062591 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: The DTI is 41.61% and guidelines allow the DTI to be 45% | |||||||||||||||
| 5000062604 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job 3 years, 3/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 705 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 4 years, 3/mo. | |||||||||||||||
| 5000062642 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 700. File credit score 726 CFCFS1736: Significant time at current residence - XXX Comments: 18 years and 9 months in current residence. | |||||||||||||||
| 5000062670 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 27.33% is below the guideline; maximum of 50%. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job 9 years, 3/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 833 mid score > min required of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 65%; guidelines allow 85%. | |||||||||||||||
| 5000062747 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $79,245.00 in consumer debt which removed $2,850.00 from the monthly debt service - $1,539.26 new HELOC PI = $1,310.74 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 1 month | |||||||||||||||
| 5000062834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 58.99% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $22,254.00 in consumer debt which reduced the monthly debt service by $1,030.00 and paid off a debt owed the HUD for $31,196.44. $1,030.00 monthly debt service reduction - $703.87 PI new HELOC = $326.13 net monthly debt reduction. | |||||||||||||||
| 5000062838 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 10 years at current primary. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: CB has 23 years at current job. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 20 years at current job. | |||||||||||||||
| 5000062849 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 9 years 9 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 15 years 9 months. | |||||||||||||||
| 5000062851 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 59.92% and guidelines allow the HCLTV to be 80% CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 22 years 3 months CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 6 years 3 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 9 years 2 months. | |||||||||||||||
| 5000062857 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 17 years 1 month. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $34,081.10 in consumer debt and $21,112.96 previous 2nd mortgage = $55,194.06 which removed$1,239.00 from the monthly debt service - $590.01 new HELOC PI = $648.59 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 60.78% and guidelines allow the HCLTV to be 75% | |||||||||||||||
| 5000062888 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000062890 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 4 years, 2/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 731 mid score > min required of 700. | |||||||||||||||
| 5000062895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 743 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 20 years | |||||||||||||||
| 5000062898 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower had 6 years and 9 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 779 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 5000062956 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 728 mid score > min required of 700. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 30.04% is below the guideline; maximum of 50%. CFCFS3840: Borrower has experience in excess of JCF minimum - XXX Comments: Borrower has significant time at current job 31 years | |||||||||||||||
| 5000062964 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x45. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 26.33 years. CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x628. | |||||||||||||||
| 5000062975 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 15 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 12 years 8 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit to borrowers: Paid off $34,819.00 in consumer debt + $80,231.25 2nd lien = $115,080.25 which removed $2,187.00 from the monthly debt service - $1,569.53 New HELOC PI = $617.47 net monthly debt service savings. | |||||||||||||||
| 5000062978 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | The 1003 reflects the 1st mortgage payment to be $2,000.00; however, the mortgage statement reflects the 1st lien payment to be $7,500.68 PITI | 6.19.2026- Client responded; Dispute Finding Rationale: This 1003 form application is designed to be completed by the applicant(s) with the Lenders assistance. The closing document signed and notarized by borrower indicates correct data regarding PTI concerns revolving around 1st lien payment.7/6/26- Client requests WaiverTotal debt is 1st Mtg monthly payment is ($7,500.68) XXX. 2nd Mtg ($525.89)= $8,026.57 + Consumer Debt XXX ($592)= $8,618.57 divided by Income ($11,776.87)= 73.18%. Provide evidence that 1st mortgage with XXX has been paid off. Client excluded it from DTI. Exception remains7.6.2026- Cleint responded; ast attempt dispute otherwise keep waiver The full $7,500.68 PITI for the XXX first mortgage should be included in the applicants Debt-to-Income (DTI) ratio. The applicants monthly housing expense was correctly calculated at $2,000 to reflect the Taxes and Insurance, deliberately excluding the Principal and Interest (P&I) for the following reasons: Lack of Legal Obligation to the Debt: The applicant, XXX, is not legally obligated on the XXX promissory note. The sole obligor for this debt is the Non-Borrowing Spouse (NBS), XXX. A DTI ratio is designed to measure the recurring monthly debt obligations of the applicant. Because the applicant has no legal liability for the repayment of the XXX note, the P&I is not their debt obligation. XXX qualified for that specific debt based on separate household income. Guideline Application of Section 9.1.3 vs. 9.1.4: The finding cites Section 9.1.3, which states that ''Subject property mortgage obligations must always be included''. However, this refers to debts the applicant is legally obligated to repay. Section 9.1.4 clearly addresses NBS scenarios, stating that a ''12-month payment history... is required for all mortgages on the subject property, including mortgages that are in a non-borrowing spouse or title-only persons name''. This confirms that while the policy requires verifying the payment history of an NBS mortgage to ensure lien stability, it does not mandate artificially applying the NBS's legal P&I debt to the applicant's DTI. Protection of the Subject Property: To ensure the property and the lender's lien position remain protected, property-level expenses tied to the deed (Taxes and Hazard Insurance) were correctly accounted for in the applicant's DTI at $2,000. This ensures the applicant is qualified to maintain the property itself, without inheriting the legal liability of a separate individual's promissory note. Because XXX is not a signer on the XXX note, hitting them for the P&I misrepresents their actual debt obligations. We verified the 12-month payment history per Section 9.1.4 and included the property taxes and insurance per standard underwriting practices. We request this finding be cleared. | 7/6/26- Client acknowledged Exception. Final grade 3/C7/7/26- Exception satisfied. Debts added back/Primary Home only Tax/Ins included in DTI. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 6 years 5 months. |
| 5000062978 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Title | Waived | C | C | C | C | CRDTIL100 | Potential title issue | Yes | XXX is showing as an open account and listed in title as second lien. This would make subject lien subordinate to the second lien and be in third position. | 6.18.2026; Client responded; Dispute Finding Rationale: While the XXX account appears on the borrowers credit report as an open home improvement installment loan, the title report explicitly notes Open mortgage not matched (mortgage ID XXX) under the Open Mortgage Alerts. The title search confirms there are no secondary mortgages or XXX liens recorded against the subject property. The XXX account is correctly classified in the file as an unsecured installment loan and is appropriately included in the borrowers DTI calculation. Therefore, the Achieve Loans HELOC will maintain the required second lien position, in compliance with guidelines.Report in file is not sufficient to verify that XXX is not an lien/XXX attach to title. Report also stated that title will required exhaustive review to determine if curative issues exist for XXX. Exception remains.7/6/26- Client requests waiver7.7.2026- Last attempt otherwise keep waiver A review of the credit report confirms the $12,021 XXX account is classified strictly as an Installment (INST) Home Improvement Loan, rather than a recorded Mortgage (MTG). Furthermore, the provided XXX search for the borrower returned absolutely zero active XXX records. According to the Achieve Loans HELOC UW Guidelines, even if this was a XXX financing statement specific to personal property (such as HVAC units or solar panels), it ''has no effect on the lien position on the property, A subordination is not required''. Because this installment loan does not act as a true real estate encumbrance, Achieve Loans successfully secures the requisite 2nd lien position behind the primary XXX mortgage. Page XXX; Section XXX XXX financing statement and XXX Fixture Filings on Title, Page XXX7.7.2026- Since this is an securitization review, you will need to provide an title search report that reflect that there is not additional lien attach to the property. The report provide reflect further. The XXX search provided is not sufficient to supported. Waiver remains | 7/6/26- Client acknowledged Exception. Final grade 3/C | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 6 years 5 months. |
| 5000062984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | DTI | Waived | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | The DTI is 50.09% and the Loan Approval show a DTI of 50.00% | 6.19.2026- Client responded ; Waiver Requested Rationale: The third-party audit finding incorrectly states that the Debt-to-Income (DTI) ratio is 50.09%. A direct mathematical review of the approved loan parameters confirms that the Total All Obligations equal $6,271.08 and the verified Total Income equals $12,541.83. Dividing the total obligations by the total income ($6,271.08 / $12,541.83) yields a DTI of exactly 50.001%, which properly rounds to 50.00%. According to company underwriting guidelines, borrowers with a FICO score of 720 or higher (the subject borrowers FICO is 834) are permitted a maximum DTI of up to 50%. The loan system correctly calculated and approved the DTI at 50.00%. The auditors assertion of a 50.09% DTI is mathematically inaccurate, and the loan is fully compliant with established qualifying ratio guidelines.Borrower just started current job and is a salary employed. Offer letter reflect that borrower annual salary is $150,000.00. Divide by 12 make $12.500.00 . Current paystub reflect borrower is paid bi-weekly $5769.24x26/12=$12,500.02. Exception remains. Client requested to waive. | 6.19.2026 After further review, exception waived and downgraded to non-material . Borrower has pervious job support income, Low CLTV 66% and strong fico score of 834. Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower FICO score is 834 max per guidelines is 700. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 9 years 10 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 66.98% and guidelines allow the HCLTV to be 85% |
| 5000063005 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 780 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 7 years, 8/mo. | |||||||||||||||
| 5000063008 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 8.08 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 782 Credit score exceeds minimum guideline scire of 700. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 16.33 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X25. | |||||||||||||||
| 5000063010 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 8 years CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 19 year 1 month. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $78,568.00 in consumer debt which removed $1,867.00 from the monthly debt service - $806.18 new HELOC PI = $1,060.82 net monthly debt service savings. | |||||||||||||||
| 5000063019 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 72 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 841 mid score > min required of 700. | |||||||||||||||
| 5000063025 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have lived at the current residence for 36 years CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. | |||||||||||||||
| 5000063029 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 778 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 8 years, 6/mo. | |||||||||||||||
| 5000063053 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI 45.21% exceeds the maximum of 43% based on income $8,133.38 and total debts $3,677.03. | 6.182026 Client responded, Dispute Finding Rationale: The third-party finding miscalculates the borrowers total debts. The auditor failed to exclude the revolving debts that are being paid off at closing with the HELOC proceeds (XXX, XXX, XXX), which are permitted to be excluded from the DTI calculation per company guidelines. The correct total monthly obligations are $2,866.90, and with the verified income of $8,163.96, the actual DTI is 35.12%. This is well below the 43% maximum limit for a borrower with a 623 FICO score. 6.18.2026 - Total debt breakdown Primary Home 1st Mtg $2289.20, 2nd Mtg det is $730.83 =$3,020.03. Consumer Debt XXX $657Total Debts $3677.03. Income calculated $8133.38. Debt $3677.03/Income $8133.38=45.20% Exception remains | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: 7.93 years in current profession CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 2.5 years in current residence. |
| 5000063068 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 6 years 3 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 30 years 11 months CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 6 years | |||||||||||||||
| 5000063101 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 9 years, 7/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 722 mid score > min required of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 45.56%; guidelines allow 80%. | |||||||||||||||
| 5000063105 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 17 years 10 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $143,675.00 in consumer debt which reduced the monthly debt service by $5,273.70 - $3,175.00 new PITI payment = $2,098.70 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 30.82% and guidelines allow the HCLTV to be 85% | |||||||||||||||
| 5000063115 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 819 mid score > min required of 700. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 19.87% is below the guideline; maximum of 50%. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 66.23%; guidelines allow 85%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 7 years, 3/mo. | |||||||||||||||
| 5000063136 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 18 years 11 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid Off $39,889.07 in consumer debt which reduced the monthly debt service by $1,370.00 - $616.33 new HELOC PI = $753.67 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 11 year 1 month. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 53.71% and guidelines allow the HCLTV to be 85% | |||||||||||||||
| 5000063145 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 18 years 8 months. CFCFS1736: Significant time at current residence - XXX Comments: B1 has occupied the subject property for 10 years 4 months and B2 has occupied the subject property for 10 years 3 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 8 years. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit to borrowers: Paid off $32,965.00 in consumer debt; $219,798.14 previous HELOC and a special tax assessment lien for 73,465.90 = $326,229.04 which removed $2,703.00 from the monthly debt service - $2,974.96 new HELOC PI which is a net monthly increaseof $271.96. | |||||||||||||||
| 5000063155 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 69.72% and guidelines allow the HCLTV to be 85% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Borrower paid off $67,343.00 in consumer debt and $ $34,976.70 existing HELOC = $102,319.00 which removed $1,708.00 from the monthly debt service - $1,120.55 New HELOC PI = $587.45 Net Monthly Debt Service savings. | |||||||||||||||
| 5000063157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 17 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 643 exceeds min score requirement of 640. | |||||||||||||||
| 5000063182 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has an excellent mortgage payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000063183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000063197 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 32 years primary CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: No mortgage lates on credit report. | |||||||||||||||
| 5000063209 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x350. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 18.75 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 774 Credit score exceeds minimum guideline score of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 29.92 years. | |||||||||||||||
| 5000063222 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 10 years 7 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 49.38% and guidelines allow the HCLTLV to be 80% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit to borrower: Paid off $45,713.00 in consumer debt which removed $1,437.00 from the monthly debt service - $641.64 New HELOC PI = $795.36 net monthly debt service savings CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 14 years 11 months. | |||||||||||||||
| 5000063229 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 19.79% and guidelines allow the HCLTV to be 80% CFCFS1736: Significant time at current residence - XXX Comments: B1 has occupied the subject property for 32 years 9 months and B2 has occupied the residence for 20 years 3 months | |||||||||||||||
| 5000063242 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job, 10.5 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 28.75 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 31.75 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x55. | |||||||||||||||
| 5000063244 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 8 years 7 months CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 8 years 2 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 42.27% and guidelines allow the HCLTV to be 80% | |||||||||||||||
| 5000063280 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 64.70%; guidelines allow 85%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 21.62% is below the guideline; maximum of 50%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 12 years, 8/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 760 mid score > min required of 700. | |||||||||||||||
| 5000063286 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: HCLTV max 85%, loan approved at 63.68% CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has mortgage payment history 0x30 since 7/2012. | |||||||||||||||
| 5000063288 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 29.58 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x21. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 6.5 years. | |||||||||||||||
| 5000063290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $81,527.00 in consumer debt which removed $2,745.00 from the monthly debt service - $767.62 new HELOC PI = $1,977.38 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 61.30% and guidelines allow the HCLTV to be 85% CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 24 years 9 months. | |||||||||||||||
| 5000063296 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: No mortgage lates on credit report. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 11 years at current residence. | |||||||||||||||
| 5000063297 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 701 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 21 years | |||||||||||||||
| 5000063326 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 33 years 5 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 50% and guidelines allow the HCLTV to be 85% | |||||||||||||||
| 5000063327 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 4 years | |||||||||||||||
| 5000063332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Borrower paid of $52,223.00 in consumer debt which removed $1,514.00 from the monthly debt service - $645.09 new HELOC PI = $868.91 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 8 years 9 months. | |||||||||||||||
| 5000063339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV of 69.05% is below max CLTV of 85% CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for over 6 years. | |||||||||||||||
| 5000063343 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 24.17 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X50. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 24.67 years. | |||||||||||||||
| 5000063347 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 6 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 13 years 1 month. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $8,792.00 in consumer debt and $32,490.97 HELOC which reduced the monthly debt service by $774.50 - $501.88 new HELOC PI = $272.62 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 59.83% and guidelines allow the HCLTV to be 85% | |||||||||||||||
| 5000063351 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000063352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | County High Cost | Waived | B | B | B | B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges of $5,450.00 equal to 5.561%; Maximum charges allowed $4,900.42 or 5.000%; exceeds allowable by $549.58 or 0.561%. | 6.17.26-Waiver Requested by Client. | 6.17.26-Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 656 FICO score. Minimum required 640. CFCFS1736: Significant time at current residence - XXX Comments: 8 years and 0 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 10 years and 4 months in current profession. |
| 5000063353 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 48.26% and guidelines allow the HCLTV to be 48.26% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Borrower paid off $15,512.00 in consumer debt which reduced the monthly debt service by $528.00 per months - $189.44 new HELOC PI = $338.56 Net monthly debt service savings. | |||||||||||||||
| 5000063368 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 15 years and 6 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 14 years and 6 months in current profession. | |||||||||||||||
| 5000063380 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 33.71% is below max DTI 45% CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for over 8 years. CFCFS1737: LTV below guideline requirements - XXX Comments: Max CLTV 73.36% is below max CLTV 85% | |||||||||||||||
| 5000063382 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 4 years 3 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 4 years 10 months | |||||||||||||||
| 5000063385 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 5 years 4 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Borrowers paid off $54,974.29 in consumer debt which removed $2,070.40 from the monthly debt service - $1,442.01 new HELOC PI = $628.39 net monthly debt service savings. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 5 years 5 months CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 11 years 8 months. | |||||||||||||||
| 5000063386 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 76.38%; guidelines allow 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 740 mid score > min required of 700. | |||||||||||||||
| 5000063387 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | AVM updated valuation completed by XXX with a -24.52% variance with a value of $XXX and the XXX value is $XXX. A 2nd valuation then completed by XXX discloses -19,12% variance with a value of $XXX. And finally, the 3rd valuation completed by XXX discloses -13.48% variance with a value of $XXX. Value not supported. and the XXX value is $XXX. | 6.18.2026- Client request exception to be waived. | 6.18.2026- XXX final grade C | Not Applicable | Not Applicable | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 20 months when 12 months are required. CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 5000063403 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 72 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 718 mid score > min required of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 76.83%; guidelines allow 85%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 16 years, 7/mo. | |||||||||||||||
| 5000063427 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 11 years 1 month CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 1 month. | |||||||||||||||
| 5000063437 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 9 years 10 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $45,492.00 in consumer debt + $46,724.21 current 2nd mortgage which reduced the monthly debt service by $1,627.00 - $859.08 new HELOC PI = $$767.92 net monthly debt service savings. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 21 years 10 months. | |||||||||||||||
| 5000063488 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 10 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 7 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 791 exceeds min score requirement of 700. | |||||||||||||||
| 5000063515 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Credit history is positive over the review period. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 8 years | |||||||||||||||
| 5000063517 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $53,514.80 in consumer debt which reduced the monthly debt service by $2,699.00 -$963.08 new HELOC PI = $1,735.92 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 11 years 8 months. | |||||||||||||||
| 5000063521 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x90. CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x234. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 7.75 years. | |||||||||||||||
| 5000063523 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $47,072.00 in consumer debt and 1 charged off account which reduced the monthly debt service by $1,436.00 monthly - $1,160.67 new HELOC PI = $275.33 net monthly debt service savings. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been XXX for 11 year 5 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 13 years 3 months. | |||||||||||||||
| 5000063535 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 26 years 9 months CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $86,635.00 in consumer debt and $7,259.46 current 1st mortgage = $93,894.46 which removed$3,207.00 from the monthly debt service - $2,315.67 new HELOC PITI = $891.33net monthly debt service savings. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 44 years 10 months | |||||||||||||||
| 5000063539 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV 69.71% is below guideline requirements of 85%. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been at current job for 25 years. | |||||||||||||||
| 5000063540 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 713 mid score > min required of 700. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has significant time at current job 10 years, 9/mo. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 11 years, 7/mo. | |||||||||||||||
| 5000063556 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 728 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 8 years, 4/mo. | |||||||||||||||
| 5000063561 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 10 years and 3 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 4 years and 3 months in current residence | |||||||||||||||
| 5000063562 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 13 years and 9 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 714 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 5000063566 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 3 years, 5/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 746 mid score > min required of 700. | |||||||||||||||
| 5000063576 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been XXX for 26 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 17.67 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x64. | |||||||||||||||
| 5000063577 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 9 years 2 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid Off $482,913.38 in consumer and 2nd mortgage de which reduced the monthly debt service by $9,422.00 - $3,998.97 new HELOC PI = $5,423.03 net monthly debt service savings. | |||||||||||||||
| 5000063590 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 23.63% and guidelines allow the HCLTV to be 80% CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 14 years 1 month. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 20 years 8 months | |||||||||||||||
| 5000063607 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Application | Satisfied | C | A | C | A | CRDAPP2414 | Potential identity theft | No | The 1003 reflects the borrower's birthdate to be XXX; however, the driver's license provided to document the borrower's identity reflects the birthdate to be XXX. | 7/6/26- While the 1003 application reflects a date of birth of XXX , the provided driver's license and the XXX both confirm the borrower's actual date of birth is XXX. According to Achieve Loans guidelines, date of birth variances are mitigated by aligning the date of birth on the application to the date of birth on a 3rd party data source report, which is assumed accurate. Furthermore, the policy explicitly dictates that additional mismatches between the application and third-party dataspecifically including date of birth variancesdo not require further mitigation due to the effectiveness of existing fraud mitigation tools. Because the date of birth is properly verified and mitigated by the 3rd party fraud report and identification, the loan meets XXX requirements. XXX validated borrower identity. 15.2 XXX (''XXX'') Requirements, Page XXX. | 7/6/26- Based upon review of XXX, Fraud report and Drivers license, exception is satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 13 years 1 month. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 71.81% and guidelines allow the HCLTV to be 80% |
| 5000063624 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 714 exceeds min score requirement of 700. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 35 months. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Consumer credit show 0x30x99. | |||||||||||||||
| 5000063635 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 807 qualifying score. Min required per guidelines is 700 CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV is 59.88%; max allowed per guidelines is 85%. | |||||||||||||||
| 5000063642 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 75.44% and guidelines allow the HCLTV to be 85% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $54,586.00 in consumer debt which removed $1,914.00 from the monthly debt service - $1,165.14 new HELOC PI = $748.56 net monthly debt service savings. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been XXX for 15 years 3 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 5 years 3 months | |||||||||||||||
| 5000063643 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 51.74%; max allowed per guidelines is 85%. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided in current owner occupied residence for 36 years and 3 months. | |||||||||||||||
| 5000063647 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x12x40. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 7.08 years. | |||||||||||||||
| 5000063650 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has mortgage payment history 0x30 since 11/2022. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 815 exceeds guidelines 700. | |||||||||||||||
| 5000063676 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 7 years and 0 months in current residence. | |||||||||||||||
| 5000063685 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned and/or resided in current residence for 21 years. CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 50.00%, borrower's DTI is 39.92%. | |||||||||||||||
| 5000063688 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x57. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 8 years 5 months. CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x117. | |||||||||||||||
| 5000063701 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 10 years 8 months CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 10 years 10 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $38,222.00 in consumer debt which removed $1,160.00 from the monthly debt service - $571.26 new HELOC PI = $588.74 net monthly debt service savings. | |||||||||||||||
| 5000063709 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past: 17 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 749 exceeds min score requirement of 700. | |||||||||||||||
| 5000063717 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $96,341.00 in consumer debt which removed $2,268.00 from the monthly debt service - $2,346.31 new HELOC PITIA = $78.31 net increase to the monthly debt service. CFCFS1736: Significant time at current residence - XXX Comments: B2 has occupied the subject property for 6 years 2 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 14.94% and guidelines allow the HCLTV to be 80% | |||||||||||||||
| 5000063718 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: No mortgage lates on credit report. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 7 years at current job. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 4.6 years at primary. | |||||||||||||||
| 5000063722 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 751 mid score > min required of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 20 years | |||||||||||||||
| 5000063726 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $31,870.00 in consumer debt which removed $934.00 from the monthly debt service - $768.11 new HELOC PI = $195.89 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The B1 has occupied the subject property for 22 years and B2 has occupied the subject for 4 years 3 months/ | |||||||||||||||
| 5000063738 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 44 years 7 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 35.51% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $43,328.00 in consumer debt and $54,932.76 1st mortgage which removed $4,262.90 from the monthly debt service - $1964.81 new PITI payment = $2,298.09 net monthly debt service savings. | |||||||||||||||
| 5000063745 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 15 years 1 month. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 48.58% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $28,694.00 in consumer debt which removed $846.00 from the monthly debt service - $445.36 new HELOC PI = $400.64 net monthly debt service savings. | |||||||||||||||
| 5000063750 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid Off $43,905.00 in consumer debt which removed $1,281.00 from the monthly debt service - $847.58 new HELOC PI = $423.53 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 24 years 6 months. | |||||||||||||||
| 5000063751 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 22 years 2 months CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 9 months. | |||||||||||||||
| 5000063761 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 12.6 years primary residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 10.3 years at current job. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: No mortgage lates on credit report. | |||||||||||||||
| 5000063762 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 8 years 1 month. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 63.15% and guidelines allow the HCLTV to be 80%. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 7 years 6 months. | |||||||||||||||
| 5000063770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 30 years 4 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 61.23% and guidelines allow the HCLTV to be 75% CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 25 years 7 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $65,065.00 in consumer debt which reduced the monthly debt service by $1,982.00 - $810.07 new HELOC PI = $1,171.93 net monthly debt service savings. | |||||||||||||||
| 5000063772 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV of 68.38% is below max CLTV of 80% CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 27.89% is below max DTI of 50% | |||||||||||||||
| 5000063780 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 50%, borrower's DTI is 38.23% | |||||||||||||||
| 5000063782 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $18,630.00 in consumer debt which removed $642.00 from the monthly debt service 573.37 new HELOC payment = $68.63 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 25 year 3 months | |||||||||||||||
| 5000063784 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid Off $29,899.00 in consumer debt and $67,180.44 HELOC which reduced the monthly debt service by $2,035.00 - $1,231.91 New HELOC PI = $803.09 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 19 years 11 months. | |||||||||||||||
| 5000063794 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x46. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 5.83 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 734 Credit score exceeds minimum guideline score of 700. | |||||||||||||||
| 5000063797 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Paid off $28,765.00 in consumer debt which reduced the monthly debt service by $925.00 $476.21 new HELOC PI = $448.79 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: B1 has occupied the subject property for 5 years 3 months and B2 has occupied the subject property for 4 years 3 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 12 years CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 16 years 2 months. | |||||||||||||||
| 5000063840 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | Missing current paystub / offer letter for new job with XXX to support income of $7,928.15. Additional conditions may apply upon receipt and review of documents. | 6.19.2026- Client responded; Dispute Finding Rationale: The third-party finding is completely incorrect and based on an employer not associated with this file. The borrower, XXX, is currently employed by XXX as a XXX, a position he has held continuously since XXX. The qualified 12-month average income of $7,928.15 is accurately calculated and fully supported by the borrowers 2025 W-2 and the XXX paystub from XXX. There is no indication of a job change to XXX, making the condition for a new offer letter and paystub from that employer entirely inapplicable. The original loan was underwritten correctly in accordance with guidelines.According the 1003, Borrower employment for XXX reflect that he started XXX to XXX and only XXX is the current job. Will need an correct 1003 reflecting the current job and VVOE verifying that they are still employed. Exception remains.6.30.2026- Client provided transcript of call with borrower verifying that borrower has two current job and that system restraint why 1003 is reflect current job as pervious. | 6.30.2026- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 792 Credit score exceeds minimum guideline score of 700. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x71. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 19.33 years. |
| 5000063845 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 10 years 11 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 64.96% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $37,290.80 in consumer debt and law suit award which removed $948.00 from the monthly debt service - $639.85 New HELOC PI = $308.95 Net monthly debt service savings. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 5 years 8 months CFCFS1736: Significant time at current residence - XXX Comments: The borrower's have occupied the subject property for 6 years 5 months. | |||||||||||||||
| 5000063850 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 17 years 9 months. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 15 years 1 month CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $99,054.00 in consumer debt plus $49,442.62 existing 2nd lien which removed $3,842.55 from the monthly debt service - $2,021.95 New HELOC PI = $1,820.60 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 8 years 3 months | |||||||||||||||
| 5000063854 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Good overall credit history CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 13.39% IS BELOW MAX OF 80% | |||||||||||||||
| 5000063863 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Significant total monthly debt reduction = to $1,325.00 CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 686 exceeds min score requirement of 600. CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x60. | |||||||||||||||
| 5000063867 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 8 years | |||||||||||||||
| 5000063886 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 25.83 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Positive mortgage payment history 0X30X55. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 25.08 years. | |||||||||||||||
| 5000063891 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x55. CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x238. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 803 exceeds min score requirement of 700. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 40.25 years. | |||||||||||||||
| 5000063892 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 39.30% and guidelines allow the HCLTV to be 75% CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 37 years 8 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $141,369.00 in consumer debt which removed $4,014.00 from the monthly debt service - $2,489.84 PITIA payment = $1,524.16 net monthly debt service savings. | |||||||||||||||
| 5000063911 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 645 exceeds min score requirement of 640. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been with employer in the past: 14 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Mortgage history reflects 0 x 30 for the past 51 months. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been with employer in the past: 10 years. | |||||||||||||||
| 5000063917 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job 23 years, 3/mo. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 734 mid score > min required of 700. | |||||||||||||||
| 5000063919 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $16,203.00 in consumer debt which removed $853.00 from the monthly debt service - $384.10 new HELOC PI = $468.90 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 56.61% and guidelines allow the HCLTV to be 75% CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 7 years 2 months. | |||||||||||||||
| 5000063921 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 31 years 2 months CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 8 years 9 months. | |||||||||||||||
| 5000063922 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 9 years and 0 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 600. File credit score 627. | |||||||||||||||
| 5000063940 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 7 years 3 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid Off $3,226.00 in consumer debt and an existing 2nd lien which reduced the monthly debt service by $735.00 - $616.04 new HELOC payment = $118.96 monthly debt service reduction and received $22,240.54 cash in hand at closing. CFCFS1746: Significant housing expense reduction - XXX Comments: The borrower has occupied the subject property for 13 years 7 months | |||||||||||||||
| 5000063941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 11 years 8 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $42,530.00 in consumer debt and $96,304.69 in 1st and 2nd mortgage debt which reduced the monthly debt service by $3,641.06 - $2,670.04 New PITI payment = $971.02 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 36.86% and guidelines allow the HCLTV to be 80% | |||||||||||||||
| 5000063943 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 15 years 4 months CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 39.81% and guidelines allow the HCLTV to be 85% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $44,398.00 in consumer debt which reduced the monthly debt by $1,250.00 - $632.33 new HELOC PI = $617.67 net monthly debt service savings. | |||||||||||||||
| 5000063955 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 6 years 6 months CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid of $19,515.00 in consumer debt which removed $670.00 from the monthly debt service - $469.59 New HELOC PI = $200.41 net monthly debt service savings. | |||||||||||||||
| 5000063966 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 10 years 11 months CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 69.37% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $68,414.79 in consumer debt which removed $2,484.40 from the monthly debt service - $1,229.24 New HELOC PI = $1,255.16 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 9 years 7 months. | |||||||||||||||
| 5000063968 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | AVM updated valuation completed by XXX with a -31.02% variance with a value of $XXX and the XXX value is $XXX. A 2nd valuation then completed by XXX discloses an -21.51% variance with a value of $XXX. A 3rd valuation then completed by XXX disclose an -31.02% variance with a value of $XXX. A BPO has been order. | The Achieve Loans HELOC UW Guidelines explicitly states that the Underwriter is responsible to review a completed AVM value with a confidence score of 80% or greater. The primary XXX utilized for this transaction provides a ''High Confidence (90%)'' score with a 0.10 FSD, fully supporting the $XXX valuation. Furthermore, the guidelines mandate a XXX (XXX) or exterior property evaluation exclusively for loan amounts greater than $XXX. As the subject loan amount ($XXX) is well below this threshold, the initial AVM satisfies all established collateral valuation requirements. The auditor's requirement for a XXX based on subsequent AVM variances represents an overlay not supported by XXX. Section XXX Property Evaluation, Page XXX Waive finding if needed.7.6.2026. Updated valuation supporting valuation is required for this is an securitization review. We are waiting for the XXX to come back for we place the order and hoping its will back Wed/Thurs. 7.8.2026. Per vendor update, XXX is expected by 7.21.2026 | (No Data) | Not Applicable | Not Applicable | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $17,329.00 in consumer debt which removed $725.00 from the monthly debt service - $359.33 New HELOC PI = $365.67 net monthly debt service savings. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 13 years 1 month. |
| 5000063973 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 54.95% and guidelines allow the HCLTV to be 85% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid Off $59,506.72 in consumer debt + $22,067.00 existing HELOC = $81,573.72 which removed $2,127.94 from the monthly debt service - $593.98 New HELOC PI = $1,533.96 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 7 years 9 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 22 years 8 months. | |||||||||||||||
| 5000063977 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 13 years 9 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 67.01 and guidelines allow the HCLTV to be 85% | |||||||||||||||
| 5000063980 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 23 years 6 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid of $117,977.00 in consumer debt which removed $3,639.00 from the monthly debt service - $1,603.45 New HELOC PI = $2,035.55 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 47.73% and guidelines allow the HCLTV to be 85% CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 11 years 7 months. | |||||||||||||||
| 5000063985 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 16 years and 6 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 11 years and 6 months in current residence. . CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min credit score required 600. File credit score 634. | |||||||||||||||
| 5000063988 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 16 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 714 FICO score. Minimum required 600. | |||||||||||||||
| 5000063990 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower's has owned and occupied the subject property for 22.67 years. CFCFS2860: Good credit history - XXX Comments: Borrower's have an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000063999 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 763 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 7 years and 6 months in current residence. | |||||||||||||||
| 5000064011 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 745 exceeds min score requirement of 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 8.75 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 6.75 years. CFCFS2860: Good credit history - XXX Comments: Good credit history 0X30X149. | |||||||||||||||
| 5000064021 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 40 months when 12 months are required. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been employed with XXX for 23 years and 2 months. | |||||||||||||||
| 5000064023 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 10 years 9 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 14 years 5 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 26.73% and guidelines allow the HCLTV to be 85% | |||||||||||||||
| 5000064026 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 5.08 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 665 exceeds min score requirement of 640. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years | |||||||||||||||
| 5000064037 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with XXX for 7 years and 6 months. CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 55 months when 12 months are required. | |||||||||||||||
| 5000064039 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $38,678.00 in consumer debt + $30,810.66 existing HELOC = $69,488.66 which removed $1,345.01 from the monthly debt service - $1,145.14 new HELOC PI = $199.87 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 58.49% and guidelines allow the HCLTV to be 85% CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 13 years 5 months CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 8 years 7 months. | |||||||||||||||
| 5000064047 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | AVM updated valuation completed by XXX with a -14.56% variance with a value of $XXX and the XXX value is $XXX. A 2nd AVM valuation then completed by XXX discloses -14.21% variance with a value of $XXX. A 3rd AVM valuation then completed by XXX with a -14.56% variance with a value of $XXX. A XXX has been order. | 7.6.2026- XXX value of XXX support appraisal value. | 7.6.2026- Exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 29 years 9 months. |
| 5000064048 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 843 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 27 years and 3 months in current residence. | |||||||||||||||
| 5000064055 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been XXX for 16 years 11 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 12 years 11 months CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $43,157.00 in consumer debt which removed $2,058.00 from the monthly debt service - $542.72 New HELOC PI = $1,515.28 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 60.05% and guidelines allow the HCLTV to be 80% | |||||||||||||||
| 5000064061 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with UPS for 31 years and 10 months. CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 23 months when 12 months are required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided in current owner occupied residence for 29 years and 1 month. | |||||||||||||||
| 5000064067 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 27 years 10 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 68.74% and guidelines allow the HCLTV to be 80% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $64,026.04 previous HELOC + $50,695.00 in consumer debt = $114,721.04 which removed $2,281.36 from the monthly debt service - $1,126.24 New HELOC PI = $1,155.12 net monthly debt service savings. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 22 years 8 months. | |||||||||||||||
| 5000064078 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $61,333.00 in consumer debt which removed $2,184.00 from the monthly debt service - $713.92 New HELOC PI = $1,470.08 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 5 years 7 months. | |||||||||||||||
| 5000064081 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 50%, borrower's DTI is 45.27% CFCFS1737: LTV below guideline requirements - XXX Comments: Maximum CLTV is 80%, subject's CLTV is 77.92% | |||||||||||||||
| 5000064088 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $30,054.00 in consumer debt which removed $873.00 from the monthly debt service - $436.52 New HELOC PI = $436.48 net monthly debt service savings. | |||||||||||||||
| 5000064095 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 27 years and 6 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 12 years and 6 months in current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: Max DTI 43% File 20.28% | |||||||||||||||
| 5000064097 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the primary residence for 6 years 1 month CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been with the employer for 12 years 1 month. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 58.04% and guidelines allow the HCLTV to be 75% CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 8 years 11 months. CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid off $55,493.76 previous HELOCs + $93,959.00 consumer debt = $149,452.76 which removed $4,368.00 from the monthly debt service - $2,492.76 New HELOC PI = $1,875.24 net monthly debt service savings. | |||||||||||||||
| 5000064118 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 5 years 4 monoths CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 8 years 4 months. | |||||||||||||||
| 5000064124 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 60.09% and guidelines allow the HCLTV to be 75% CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid of $7,887.00 in consumer debt which removed $264.00 from the monthly debt service - $220.15 new HELOC PI = $43.85 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 30 years 1 month. | |||||||||||||||
| 5000064133 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 1 late payments. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has maintained stable employment with current employer for 16 years. | |||||||||||||||
| 5000064141 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Current 1st mortgage reviewed for 46 months with 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 789 is > the minimum credit score of 700. | |||||||||||||||
| 5000064152 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 712 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 7 years and 0 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 7 years and 0 months in current profession. | |||||||||||||||
| 5000064166 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 760 FICO score. Minimum required 700. CFCFS2854: Significant time in profession - XXX Comments: 28 years and 6 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 18 years and 6 months in current residence. | |||||||||||||||
| 5000064171 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 3 years 4 months. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 71.67% and guidelines allow the HCLTV to be 80% | |||||||||||||||
| 5000064174 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 799 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 19 years and 0 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 9 years and 9 months in current profession. | |||||||||||||||
| 5000064176 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 8 years and 6 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 735 FICO score. Minimum required 700. | |||||||||||||||
| 5000064179 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the same residence for 10 years | |||||||||||||||
| 5000064183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 13 years 9 months. CFCFS2854: Significant time in profession - XXX Comments: B1 has 8 years 5 months in his profession CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 63.29% and guidelines allow the HCLTV to be 85% CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have occupied the subject property for 18 years 7 months | |||||||||||||||
| 5000064184 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 6.58 years. CFCFS2860: Good credit history - XXX Comments: Good credit history, 0x30x296. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0x30x75. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 9.83 years. | |||||||||||||||
| 5000064185 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 30.40% is below max LTV of 75%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 669 FICO score. Minimum required 640. | |||||||||||||||
| 5000064223 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Good credit history 0X30X114. CFCFS1739: Postive mortgage payment history - XXX Comments: Positive mortgage payment history 0X30X99. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 8.92 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years | |||||||||||||||
| 5000064246 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 74.84% and guidelines allow the HCLTV to be 80% CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 11 years 8 months. | |||||||||||||||
| 5000064269 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Property Valuations | Value | Waived | C | C | C | C | PRVAVALU5249 | Property Value Not Supported | Yes | AVM updated valuation completed by XXX with a 23.9813% variance with a value of $XXX and the XXX AVM discloses -26.8978% variance with a value of $XXX. 3rd AVM from XXX reflect variance -23.68% variance with a value of $XXX. XXX to order a XXX. | 7.6.2026- Client responded; The third-party finding is disputed as the original automated valuation model (AVM) is fully compliant with official property evaluation guidelines. According to the company's property evaluation policy, an underwriter must verify that a completed AVM yields a value confidence score of 80% or greater. The XXX utilized for this collateral review successfully meets this requirement, returning a ''High Confidence'' score of 88%. Furthermore, the guidelines explicitly state that a XXX (XXX) or an exterior property evaluation is only mandated for loan amounts greater than $XXX. Because the total loan amount for this transaction is $XXX, the XXX AVM is perfectly acceptable as a standalone valuation, and no XXX upgrade is required. Section XXX Property Evaluation, Page XXX Waive finding if needed.7.6.2026. The updated valuation is required for this is an securitization review . We did received the XXX, but the value came back at XXX (-27%) variance which does not support. Will waive for this is the last product that client advise to provided in order to clear. | 7.6.2026 Client requested to waived. Final Grade C | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 13 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 21 years 4 months. |
| 5000064304 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Fico score 809. | |||||||||||||||
| 5000064309 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrowers: Paid Off $39,736.00 in consumer debt which removed $1,062.00 from the monthly debt service - $556.23 New HELOC PI = $505.77 net monthly debt service savings. CFCFS1736: Significant time at current residence - XXX Comments: B2 has occupied the subject property for 6 years 4 months. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been with the employer for 6 years 4 months. | |||||||||||||||
| 5000064335 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 5 years and 3 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 770 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 9 years and 6 months in current residence. | |||||||||||||||
| 5000064415 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 6 years and 0 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 731 FICO score. Minimum required 700. CFCFS2854: Significant time in profession - XXX Comments: 5 years and 0 months in current profession. | |||||||||||||||
| 5000064416 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 11 years and 6 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 842 FICO score. Minimum required 700. | |||||||||||||||
| 5000064424 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 3 years CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history is positive. | |||||||||||||||
| 5000064426 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 8 years and 6 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 805 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 8 years and 6 months in current residence | |||||||||||||||
| 5000064433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the employer for 20 years 11 months. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 16 years 2 months. | |||||||||||||||
| 5000064444 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 10 years and 4 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 24 years and 3 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 722 FICO score. Minimum required 700. | |||||||||||||||
| 5000064456 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 38.38% is below max LTV of 85%. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has an excellent mortgage payment history with 92 months reviewed reporting 0 late payments. | |||||||||||||||
| 5000064463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 13 years and 7 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 11 years and 7 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 782 FICO score. Minimum required 700. | |||||||||||||||
| 5000064481 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 8 years CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. | |||||||||||||||
| 5000064482 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 50%, borrower's DTI is 28.45%. CFCFS1737: LTV below guideline requirements - XXX Comments: Maximum CLTV is 85%, subject's CLTV is 74.19% | |||||||||||||||
| 5000064495 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Good overall credit on report. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 25 years at current job. | |||||||||||||||
| 5000064497 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 26 years 3 months CFCFS1745: Significant total monthly debt reduction - XXX Comments: Benefit To Borrower: Paid off $45,482.00 in consumer debt which removed $1,539.00 from the monthly debt service - $1,020.93 New HELOC PI = $518.07 net monthly debt service savings. CFCFS1737: LTV below guideline requirements - XXX Comments: The HCLTV is 57.73% and guidelines allow the HCLTV to be 75% | |||||||||||||||
| 5000064513 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 5 years | |||||||||||||||
| 5000064524 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X59. CFCFS2860: Good credit history - XXX Comments: Good credit history 1X30X118. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 7.83 years. | |||||||||||||||
| 5000064547 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 718 FICO score. Minimum required 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLGTV of 79.01% is below max CLTV of 85% CFCFS1736: Significant time at current residence - XXX Comments: 7 years and 9 months in current residence | |||||||||||||||
| 5000064560 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 66.97%; max allowed per guidelines is 85%. CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 55 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with XXX for 12 years and 9 months. | |||||||||||||||
| 5000064580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 6 years and 3 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 6 years and 3 months in current residence | |||||||||||||||
| 5000064590 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with Denali Advisors, LLC for 14 years and 10 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have resided in current owner occupied residence for 8 years and 2 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 60.28%; max allowed per guidelines is 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 723 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 5000064593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 11 years and 6 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 701 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 6 years and 3 months in current residence. | |||||||||||||||
| 5000064594 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Minimum credit score required is 700, borrower's credit score is 751. | |||||||||||||||
| 5000064605 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 804 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 4 years and 6 months in current residence. | |||||||||||||||
| 5000064609 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 12 years and 0 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 12 years and 0 months in current profession. | |||||||||||||||
| 5000064616 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 13 years and 6 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 727 FICO score. Minimum required 700. | |||||||||||||||
| 5000064623 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 7 years and 6 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 832 FICO score. Minimum required 700. | |||||||||||||||
| 5000064629 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower's have owned current residence for 9.42 years. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 55.65% is < the maximum LTV of 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 794 is > the minimum credit score of 700. | |||||||||||||||
| 5000064630 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 63.81% is below max LTV of 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 755 FICO score. Minimum required 700. | |||||||||||||||
| 5000064639 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: B2 has been at current job for 6 years. CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have owned subject residence for 4.5 years. | |||||||||||||||
| 5000064640 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Minimum credit score required is 700, borrower's DTI is 728. CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 50%, borrower's DTI is 25.11% | |||||||||||||||
| 5000064648 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 4 years CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. | |||||||||||||||
| 5000064652 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Current 1st mortgage was reviewed for 56 months with 0x30. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned current primary residence for 11 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 807 is > the minimum credit score of 700. | |||||||||||||||
| 5000064663 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 5 years CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage history reporting to credit is positive. | |||||||||||||||
| 5000064667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 2 years and 0 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 10 years and 6 months in current profession. | |||||||||||||||
| 5000064673 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 5 years and 9 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 773 FICO score. Minimum required 700. | |||||||||||||||
| 5000064692 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 17.83 years. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 19.25 years. CFCFS2860: Good credit history - XXX Comments: Good credit history 0x30x266. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 22.30% is below max LTV of 75%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 789 exceeds min score requirement of 700. | |||||||||||||||
| 5000064697 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 21.84% is < the maximum DTI of 50%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 761 is > the minimum credit score of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV of 17.02% is < the maximum CLTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Current 1st mortgage was reviewed for 99 months with 0x30. | |||||||||||||||
| 5000064706 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 6.33 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years CFCFS1739: Postive mortgage payment history - XXX Comments: Positive mortgage payment history 0x30x36. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 803 exceeds min score requirement of 700. | |||||||||||||||
| 5000064710 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 2 years and 9 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 4 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 713 FICO score. Minimum required 700. | |||||||||||||||
| 5000064741 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower's have an excellent mortgage payment history with 99 months reviewed reporting 0 late payments. CFCFS1736: Significant time at current residence - XXX Comments: Borrower's have owned and occupied subject property as primary residence for 13 years. | |||||||||||||||
| 5000064745 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 25 years and 6 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 755 FICO score. Minimum required 700. | |||||||||||||||
| 5000064770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV of 56.13% is below max CLTV of 85% CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have lived at current residence for over 24 years. | |||||||||||||||
| 5000064775 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: No mortgage lates on credit report. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: CO-borrower has 7 years at current job. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 17 years at current primary. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 6 years at current job. | |||||||||||||||
| 5000064784 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Postive mortgage payment history 0X30X63. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 19 years. CFCFS2860: Good credit history - XXX Comments: Good credit history 0X30X291. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 25.92 years. | |||||||||||||||
| 5000064792 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 735 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 42 years and 6 months in current residence. | |||||||||||||||
| 5000064795 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 23.220% is below max LTV of 80%. | |||||||||||||||
| 5000064796 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: The co-borrower has been working for the same employer for 20 years CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at the current residence for 9 years | |||||||||||||||
| 5000064806 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Current 1st mortgage reviewed for 59 months with 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 777 is > the minimum credit score of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV of 66.56% is < the maximum CLTV of 85%. | |||||||||||||||
| 5000064822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Minimum credit score required is 700. Borrower's credit score is 749. CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 50%, borrower's DTI is 35.49% | |||||||||||||||
| 5000064827 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: Maximum DTI is 50%, borrower's DTI is 24.36%. CFCFS2860: Good credit history - XXX Comments: Minimum credit score required is 700, borrower's credit score is 722. | |||||||||||||||
| 5000064833 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 727 is > the minimum credit score of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Current 1st mortgage was reviewed for 99 months with 0x30. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 29.83% is < the maximum DTI of 50% | |||||||||||||||
| 5000064864 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been employed at current job for 20 years. CFCFS1736: Significant time at current residence - XXX Comments: B1 has owned subject primary residence for 6 years. | |||||||||||||||
| 5000064869 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | XXX order AVM from XXX, No Hit. 2nd AVM order thru XXX - No Hit. 3rd AVM product XXX, No Hit . XXX to order XXX | 7.6.2026-XXX provided with value of $XXX, supporting appraisal value. | 7.6.2026, Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 729 qualifying score. Min required per guidelines is 700. CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 45 months when 12 months are required. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been employed with XXX for 10 years and 7 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 66.88%; max allowed per guidelines is 85%. |
| 5000064887 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 37.17% is < the maximum DTI of 45% CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Current 1st mortgage was reviewed for 44 months with 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 767 is > the minimum credit score of 700. | |||||||||||||||
| 5000064909 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 7 years and 6 months in current residence CFCFS2854: Significant time in profession - XXX Comments: 33 years and 0 months in current profession. | |||||||||||||||
| 5000064910 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Minimum credit score required is 700, borrower's credit score is 771. CFCFS1737: LTV below guideline requirements - XXX Comments: Maximum LTV/CLTV is 85%, subject's LTV/CLTV is 62.63%. | |||||||||||||||
| 5000064913 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 14 years at current primary CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: No mortgage lates on credit report CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 8.3 years at current job. | |||||||||||||||
| 5000064915 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Per WVOE, the borrower has been employed with current employer for 12 years and 6 months with a start date of 11/13/2013. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Current 1st mortgage reviewed for 41 months with 0x30. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 35.02% is < the maximum DTI of 50%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 755 is > the minimum credit score of 700. | |||||||||||||||
| 5000064942 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Terms/Guidelines | Active | C | C | C | C | CRDTER3122 | Loan documents do not meet guideline requirements | Yes | Missing documentation to support XXX is not secured against the property. Title Search provided in file reflects it is a deferred home improvement loan. Additional conditions may apply for CLTV/HLTV and subordination agreement. | 7.7.2026- Client responded, A review of the credit profile identifies the XXX tradeline strictly as an Installment loan (''INST'') with an ''AS AGREED'' status, not as a mortgage or secured real estate lien. Even if the title search reflects a UCC fixture filing for a deferred home improvement loan, official company guidelines dictate that if a UCC filing is a financing statement specific to personal property (such as HVAC units, solar panels, or home improvements), it has no effect on the property's lien position. XXX and Letter of Explanations in document manager support tradeline for XXX XXX. Section XXX7.7.2026 Since this is an securitization review, you will need to provide an title search report that reflect that there is not additional lien attach to the property. XXX is not an support document to clear issue. Report also state that title will required and exhaustive public record search to determine if curative issue exist. Exception remains | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV of 66.01% is < the maximum CLTV of 75%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage history for current 1st mortgage was reviewed for 52 months with 0x30. |
| 5000064944 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence, 9.58 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences during the past two years CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 19.75 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 742 exceeds min score requirement of 700. | |||||||||||||||
| 5000064947 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 730 is > the minimum credit score of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV of 72.55% is < the maximum CLJTV of 85% CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been at current employer for 29 years. | |||||||||||||||
| 5000064961 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Mortgage payment history is for 99 months when 12 months are required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided in current owner occupied residence for 9 years and 3 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has been employed with XXX for 11 years and 1 month. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 738 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 5000064968 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 722 FICO score. Minimum required 700. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 68.260% is below max LTV of 80%. | |||||||||||||||
| 5000065002 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 4 years and 0 months in current residence. CFCFS2854: Significant time in profession - XXX Comments: 4 years and 0 months in current profession. | |||||||||||||||
| 5000065006 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 746 FICO score. Minimum required 700. | |||||||||||||||
| 5000065009 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount $XXX exceeds the maximum allowed of $XXX and maximum combined loan amount of $XXX exceeds the maximum of $XXX. | 7/6/26- Client responded- Maximum Loan Amount Constraints: The auditor claims the $XXX loan amount exceeds a $XXX limit. The $XXX loan maximum applies exclusively to borrowers with a FICO score between 680-699. For FICO scores of 700-719, the maximum loan amount is $XXX , and for FICO scores of 720+, the maximum is $XXX. The actual subject loan amount is $XXX. The borrower's FICO score is 777 , which makes them eligible for a maximum loan amount of up to $XXX. Furthermore, the true combined loan amount is $XXX, which is derived from the $XXX new loan amount and the existing $XXX XXX 1st mortgage balance. Section XXX Product Criteria, Page XXX7/7/26- Last dispute waiver if not able to overturn to higher grade, The audit identified that File #XXX exceeded the maximum total mortgage financing limit of $XXX for the subject property (1st and 2nd liens combined), as outlined in Section XXX Basic Program Criteria. While the total mortgage financing exceeded standard limits, the risk was offset by a highly qualified borrower with conservative DTI and CLTV metrics. The exception was escalated and authorized by Underwriting Management in accordance with internal protocol. Management acknowledges the variance from the standard program guidelines. An exception was escalated, reviewed, and formally granted prior to closing based on the overall strength of the borrowers profile. The borrower presented significant compensating factors that sufficiently mitigated the risk associated with the increased total encumbrance. Compensating Factors: FICO Score: 714 (Exceeds the 700 program minimum) Combined Loan-to-Value (CLTV): 71.18% (Provides a strong equity cushion, well below the 85% maximum) Debt-to-Income (DTI): 31.80% (Demonstrates strong ability to repay, significantly lower than the 50% maximum) Credit Utilization: 52% Created on 2026-05-22 at 12:25 PM MST by XXX (XXX) in XXX | 7/6/26- Guidelines you are quoting came out after settlement date of XXX. Guidelines were Effective XXX. HELOC loan amt is $XXX, plus the remaining XXX bal of $XXX with a combined loan amt of $XXX. Unsure of where you are getting a combined bal of only $XXX. Exception remains.7/7/26- Client acknowledged exception. Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has mortgage payment history 0x30 since 10/2021. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 714 exceeds guidelines 700. CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 has been employed at current job for 10 years. |
| 5000065032 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 823 FICO score. Minimum required 700. CFCFS1736: Significant time at current residence - XXX Comments: 9 years and 3 months in current residence. | |||||||||||||||
| 5000065046 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: Maximum CLTV is 85%, subject's CLTV is 73.49%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Minimum credit score required is 700. Borrower's credit score is 777. | |||||||||||||||
| 5000065048 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score of 782 is < the minimum credit score of 782. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 40.65% is < the maximum DTI of 50% CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 1st mortgage payment history reviewed for 65 months with 0x30. | |||||||||||||||
| 5000065109 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 38.33% is < the maximum DTI of 50%. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Current 1st mortgage reviewed for 48 months with 0x 30. | |||||||||||||||
| 5000065113 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have lived at subject property for over 9 years. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 21.40% is below max DTI of 50%. | |||||||||||||||
| 5000065116 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 8 years and 0 months in current profession. CFCFS1736: Significant time at current residence - XXX Comments: 3 years and 9 months in current residence. CFCFS1737: LTV below guideline requirements - XXX Comments: CLTV of 75.93% is below max CLTV of 85% | |||||||||||||||
| 5000065130 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - XXX Comments: 4 years and 3 months in current profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 703 FICO score. Minimum required 700. | |||||||||||||||
| 5000065132 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 8 years and 9 months in current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified 752 FICO score. Minimum required 700. | |||||||||||||||
| 5000065162 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - XXX Comments: Positive mortgage payment history 0x30x32. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence 11.17 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score of 721 exceeds min score requirement of 700. | |||||||||||||||
| 5000065163 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 4.33 years at current primary. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 4 years at current job. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 38.36 is below max of 50% | |||||||||||||||
| 5000065261 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: FICO score of 826, exceed guidelines of 700 | |||||||||||||||
| 5000065291 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 6 years at current primary. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 37.25% IS BELOW MAX OF 50%. |
| Client Name: | |
| Client Project Name: | ACHM 2026-HE1 |
| Start - End Dates: | 6/26/2023 - 7/2/2026 |
| Deal Loan Count: | 656 |
| Conditions Report 2.0 | |
| Loans in Report: | 656 |
| Loans with Conditions: | 26 |
| Loan Number | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 5000026942 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000036077 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000054798 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055495 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055550 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055666 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055671 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055698 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000055770 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055779 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055818 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000055833 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000055835 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055840 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055844 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055856 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | No |
| 5000055868 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000055877 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000055879 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055894 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055900 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055985 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000055992 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000055998 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000056007 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000056031 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056045 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 5000056072 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000056089 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056103 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056126 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000056130 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056149 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056162 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056167 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000056190 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000056191 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000056199 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 5000056241 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056295 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056348 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056373 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000056994 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057454 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057458 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057517 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057560 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057590 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057657 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057669 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057672 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057673 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057691 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057694 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057695 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057698 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057712 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057717 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057718 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057729 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057759 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057767 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057783 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057792 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057802 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057814 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057820 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057821 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057822 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057824 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057825 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057828 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057829 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057837 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057839 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057840 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057842 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057845 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057847 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057872 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057880 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057895 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057900 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057905 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057914 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057928 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057930 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057952 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057971 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057972 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057973 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000057982 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000057988 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058014 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058017 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058040 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058045 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Not Applicable |
| 5000058058 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058068 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Not Applicable |
| 5000058087 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058089 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058115 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058160 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058186 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058196 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058219 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 5000058231 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058233 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058239 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058263 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058267 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058278 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 5000058279 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058287 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058289 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058296 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058312 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058334 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058346 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058351 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058365 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058372 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058406 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058418 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 5000058419 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058434 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058452 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058465 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058480 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058533 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058566 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058649 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058688 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058737 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058777 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058782 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058828 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058875 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058876 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058879 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058882 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058895 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058901 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058905 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058927 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058940 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058974 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000058981 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000058988 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059011 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059025 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059032 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059041 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059080 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059089 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059096 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059106 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059117 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059118 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059124 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059138 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059142 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059143 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059149 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059155 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059160 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059205 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059227 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059229 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059250 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059251 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059252 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059254 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059280 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059283 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059292 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059299 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059301 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059303 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059304 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059309 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059331 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059336 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059348 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059370 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059375 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059380 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059382 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059410 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059417 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059418 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059420 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059440 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059443 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059454 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059471 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059473 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059475 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059488 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059494 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059505 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059513 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059520 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059537 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059589 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059603 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059605 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059607 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059608 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059626 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059650 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059654 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059660 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059661 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059692 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059695 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059727 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059730 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059736 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Not Applicable |
| 5000059758 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059783 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059808 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059823 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059828 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059885 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059897 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059906 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059917 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000059927 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059954 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059981 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000059995 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060005 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060022 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060062 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060071 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060072 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060076 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060088 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060091 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060119 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060132 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060151 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060155 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060162 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060181 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 5000060195 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060227 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060232 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060239 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060256 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060258 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060264 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060268 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060270 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060282 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060285 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060298 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060310 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060314 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060318 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060319 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060321 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060324 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060327 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060332 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060342 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060362 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060378 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060384 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060404 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060409 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060464 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060634 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060686 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Not Applicable |
| 5000060706 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060789 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060822 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060825 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060829 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060873 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060876 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000060886 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000060958 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061016 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061035 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061043 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061072 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061078 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061080 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061084 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061085 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061087 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061111 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061121 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061146 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061148 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061159 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061172 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061177 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061186 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061187 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061210 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061219 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061238 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061239 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061245 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061256 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061263 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061266 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061288 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061295 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061311 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061315 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061333 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061338 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061339 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061345 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061352 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061356 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 5000061359 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061375 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061377 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061384 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061395 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061396 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061399 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061433 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061440 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061454 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061487 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061504 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061507 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061508 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061521 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061534 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061580 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061581 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061612 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061649 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061651 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061662 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061669 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061678 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061690 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061692 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061699 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061717 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061726 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061767 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061770 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061823 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061853 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061892 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061907 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000061911 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061913 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061936 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061962 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061967 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061984 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 5000061989 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061990 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061998 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000061999 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062035 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062051 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062084 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062090 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062092 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062109 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062124 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062130 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062135 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062158 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062159 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062188 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062191 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062199 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062205 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062206 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 5000062226 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062233 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062256 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062258 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062259 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062261 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062264 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062277 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062282 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062284 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062292 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062303 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062310 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062313 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062316 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062318 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062340 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062346 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062363 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 5000062372 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062374 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062402 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Not Applicable |
| 5000062431 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062465 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062481 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062495 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062534 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062591 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062604 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062642 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062670 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062747 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062834 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062838 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062849 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062851 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062857 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062888 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062890 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062895 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062898 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062956 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000062964 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062975 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000062978 | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Not Applicable |
| 5000062984 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 5000063005 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063008 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 5000063010 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063019 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063025 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063029 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063053 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 5000063068 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063101 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063105 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063115 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063136 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063145 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063155 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063157 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063182 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063183 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063197 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063209 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063222 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063229 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063242 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063244 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063280 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063286 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063288 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063290 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063296 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063297 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063326 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063327 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063332 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063339 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063343 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063347 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063351 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063352 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 5000063353 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063368 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063380 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063382 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063385 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063386 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063387 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Not Applicable |
| 5000063403 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063427 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063437 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063488 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063515 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063517 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063521 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063523 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063535 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063539 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063540 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063556 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063561 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063562 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063566 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063576 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063577 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063590 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063607 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 5000063624 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063635 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063642 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063643 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063647 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063650 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063676 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063685 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063688 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063701 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063709 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063717 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063718 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063722 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063726 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063738 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063745 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063750 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063751 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063761 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063762 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063770 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063772 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063780 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063782 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063784 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063794 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063797 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063840 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 5000063845 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063850 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063854 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063863 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063867 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063886 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063891 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063892 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063911 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063917 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000063919 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063921 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063922 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063940 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063941 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063943 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063955 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063966 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063968 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Not Applicable |
| 5000063973 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063977 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063980 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063985 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063988 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063990 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000063999 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064011 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064021 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064023 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064026 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064037 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064039 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064047 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Not Applicable |
| 5000064048 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064055 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064061 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064067 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064078 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064081 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064088 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064095 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064097 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064118 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064124 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064133 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064141 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064152 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064166 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064171 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064174 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064176 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064179 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064183 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064184 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064185 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064223 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064246 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064269 | XXXXXX | XXXXXX | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | Not Applicable |
| 5000064304 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064309 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064335 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064415 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064416 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064424 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064426 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064433 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064444 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064456 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064463 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064481 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064482 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064495 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064497 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064513 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 5000064524 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064547 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064560 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064580 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064590 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064593 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064594 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064605 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064609 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064616 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064623 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064629 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064630 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064639 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064640 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064648 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064652 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064663 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064667 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064673 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064692 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064697 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064706 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064710 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064741 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064745 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064770 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064775 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064784 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064792 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064795 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064796 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064806 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064822 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064827 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064833 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064864 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064869 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 5000064887 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064909 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064910 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064913 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064915 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064942 | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | No |
| 5000064944 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064947 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 5000064961 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000064968 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065002 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065006 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065009 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 5000065032 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065046 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065048 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065109 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065113 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065116 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065130 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065132 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065162 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065163 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 5000065261 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 5000065291 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |