Exhibit 99.5
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000001 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000011 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001687 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000959 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001257 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003913 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000961 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001329 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001319 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001416 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001167 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000979 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001694 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001250 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001886 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003914 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001847 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000976 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001380 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000941 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000973 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001191 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001499 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001270 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001294 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001182 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001675 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001516 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001181 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001269 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001573 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001854 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001862 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001335 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000921 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001397 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001877 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000948 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001880 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001375 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001048 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001142 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001160 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001706 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001263 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001364 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001063 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001107 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001420 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001226 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001333 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001158 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001720 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001831 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001088 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001388 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000962 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000949 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000957 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001029 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000925 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001414 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001274 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001087 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001258 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001374 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001248 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001384 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000971 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001716 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001057 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001212 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001701 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000987 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001292 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001156 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001318 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001092 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001131 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Incomplete-
The following section of the Condominium Rider is incomplete: The project name is missing.
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 3 | 1 | 3 | 2 | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001399 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001099 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001179 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001252 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001459 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001804 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001114 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001433 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001501 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001739 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001407 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001090 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001464 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001147 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001116 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001803 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001595 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001569 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001185 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001467 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001370 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001086 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001490 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001726 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001015 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001360 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001232 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001386 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001201 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001745 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000951 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001635 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001260 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001045 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001737 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001186 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001588 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001222 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000984 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001554 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001625 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001707 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001543 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000965 | XXXX | XXXX | XXXX | (Clear) Note - Missing Signature-
The Note was not fully executed by the borrowers.
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 3 | 1 | 3 | 2 | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001398 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001146 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001383 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001873 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001568 | XXXX | XXXX | XXXX | (Open) HOC - Inaccurate-
The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001581 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001580 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001130 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001037 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001192 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001309 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001144 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001321 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001905 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001069 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001800 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001293 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001022 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000983 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000920 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001482 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001271 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001620 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001700 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001000 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001202 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001667 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001457 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000950 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000996 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001009 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000969 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001585 | XXXX | XXXX | XXXX | (Open) HOC - Inaccurate-
The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001168 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001101 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001604 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001855 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001325 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001893 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001302 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000982 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001615 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001466 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001221 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001647 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001410 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001795 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001529 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001887 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001542 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001608 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001683 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001812 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000947 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001173 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001153 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001278 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000936 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000930 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001091 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000988 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001213 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001505 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001381 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001427 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001702 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001870 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001659 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001413 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001596 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003915 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001530 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001104 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000977 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001878 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001111 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001276 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001170 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001267 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001058 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001447 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001075 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001759 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001587 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001670 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001663 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001180 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001211 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001005 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001052 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001359 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001183 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001214 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001217 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000952 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001757 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001145 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001637 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001110 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001882 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001338 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001108 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001165 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001065 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001039 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000932 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001892 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001098 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001119 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001538 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001047 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001861 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000964 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000927 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001320 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001264 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001172 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001503 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001282 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001094 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001502 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001246 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001161 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001532 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001767 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001768 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001425 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000963 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001053 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001326 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001243 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000917 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001515 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000929 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Certificate of Acknowledgement for the borrower is missing the execution year in the XXXX section.
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001169 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001150 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001594 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001244 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001811 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001284 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001714 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001650 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001027 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001310 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001456 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001112 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001148 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001385 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000073 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000052 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000069 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000071 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000047 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000102 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000093 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX)
|
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000076 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000005 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000101 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000106 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002900 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003473 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002712 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003337 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002788 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003418 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003387 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002672 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved)
|
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002696 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003419 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003074 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003335 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved)
|
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003240 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003262 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003192 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003431 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved)
|
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003122 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002386 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002482 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002786 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003539 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
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| XXXX | 9002742 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
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| XXXX | 9003382 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Maturity date is missing |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
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| XXXX | 9002829 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002771 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM) Explanation is sufficient. (Resolved) |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 1 | 1 | 1 | 3 | 3 | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003424 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003111 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002547 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002718 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003176 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002634 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002427 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003140 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003135 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002800 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003095 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002569 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002741 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003023 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002508 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003430 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003126 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003918 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003216 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Incomplete-
The notary acknowledgement for XXXX is missing
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003278 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003020 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002708 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003385 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002897 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002931 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002579 | XXXX | XXXX | XXXX | (Open) Note - Missing Signature-
The Note was not fully executed by the borrower. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002690 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003073 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002904 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002378 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002666 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved)
|
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003055 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002632 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003271 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002582 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003376 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003293 | XXXX | XXXX | XXXX | (Open) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The PUD rider disclosing the incorrect name of the PUD project. The rider discloses the PUD name as XXXX. when the name of the project is XXXX.
(Open) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condominium rider is missing the name of the Condominium project. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003334 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002550 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condominium rider is missing the name of the Condominium project. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 3 | 1 | 1 | 3 | 3 | 3 | 2 | C | C | A | A | C | B | C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002375 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003221 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002577 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002773 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002803 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003175 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002650 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002798 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003305 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002802 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003366 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003019 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003524 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003395 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002868 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003459 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002772 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002667 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003493 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003367 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002715 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the adjusted value within 10%. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003472 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003096 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003460 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002953 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Name Discrepancy-
The loan file does not include documentation confirming the vested interest on the Security Instrument or the Borrower’s ownership of the subject property.
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 3 | 1 | 3 | 3 | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002844 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002633 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002461 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002618 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003390 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003120 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003509 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003090 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003404 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003342 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002899 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002939 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003354 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002409 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002272 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003456 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003117 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003088 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003188 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002751 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the adjusted value within 10%. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002898 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002292 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002602 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003517 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the adjusted value within 10%. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003463 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Name Discrepancy-
The borrower’s names on the Security Instrument is inconsistent with the XXXX. The vesting on our mortgage is XXXX and XXXX however the XXXX shows XXXX as current owner.
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 3 | 1 | 3 | 3 | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003065 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003452 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003224 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003389 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002380 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002660 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002762 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003436 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002768 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002382 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002668 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003195 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003228 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003166 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003383 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003541 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003102 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002453 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002585 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003129 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002942 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002592 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002963 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002976 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002946 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003054 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003317 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002657 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003169 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003173 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002388 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003486 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002525 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002600 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003217 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002534 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002842 | XXXX | XXXX | XXXX | (Open) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The PUD name on the PUD Rider shows: XXXX HOA II, however, the Legal Description shows XXXX: XXXX. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 3 | 3 | 3 | 3 | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002895 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003598 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003536 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002381 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002794 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003304 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003247 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002974 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003018 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003212 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002392 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002873 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003355 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003130 | XXXX | XXXX | XXXX | (Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The Condo Rider is missing the project name. The Legal description shows XXXX.
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is not sufficient to clear the finding. The re-executed Recorded Mortgage has been provided; however, the Condo Rider has not been provided for review. Please provide the Condo rider for review. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002987 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003415 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002878 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003461 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000756 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000834 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000851 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000609 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000840 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000893 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000763 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000827 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000696 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000199 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000845 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000857 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000869 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000873 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000863 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000867 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003911 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003912 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000758 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000783 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000852 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000181 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000640 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000324 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000730 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000537 | XXXX | XXXX | XXXX | (Clear) Security Instrument – Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The condo rider does not state what the name of the project is known as.
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000717 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000653 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000402 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000856 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000844 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000764 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000853 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000877 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000892 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000818 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000804 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000830 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000890 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000759 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000746 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000737 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000671 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000569 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000771 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000798 | XXXX | XXXX | XXXX | (Clear) Security Instrument – Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The condo rider does not state what the name of the project is known as.
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000114 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000695 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000673 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000686 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000677 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000742 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000707 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000743 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000462 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000579 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000168 | XXXX | XXXX | XXXX | (Open) Security Instrument – Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete: The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000351 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000565 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000691 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000793 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000611 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000824 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000625 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000683 | XXXX | XXXX | XXXX | (Clear) Security Instrument – Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The condo rider does not state what the name of the project is known as.
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000499 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000753 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%.
|
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000678 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000739 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000294 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000772 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000225 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000672 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000231 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000561 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete:The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000566 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000648 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000489 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000346 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000647 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000275 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000149 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete: The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000508 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete:The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000260 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete:The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000152 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete: The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000641 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000490 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete:The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000802 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The condo rider does not state what the name of the project is known as. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000659 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000461 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000646 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000583 | XXXX | XXXX | XXXX | (Open) Security Instrument – Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete:The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000112 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000469 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000438 | XXXX | XXXX | XXXX | (Open) Security Instrument – Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete:The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000654 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000454 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000460 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000552 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000276 | XXXX | XXXX | XXXX | (Open) Security Instrument – Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete:The Maturity Date is missing. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000714 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000117 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000754 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000624 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000800 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000603 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000881 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000154 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000727 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000498 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003916 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002228 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002020 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002211 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001916 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001942 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002044 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003917 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002058 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002029 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001970 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002126 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002081 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002062 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001966 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002222 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001958 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002114 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002091 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001982 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002004 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002173 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001976 | XXXX | XXXX | XXXX | (Clear) Security Instrument – Inaccurate-
The security instrument was not completed accurately. The name of the Trust listed in the mortgage does not match the name of the Trust listed in the Trust documents. The Trust name (XXXX) is mispelled on the security instrument (The XXXX Trus).
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002182 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001944 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002109 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001926 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002006 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002015 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002214 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002003 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002184 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002079 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002202 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002217 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001939 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001990 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002112 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002046 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001959 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002009 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002022 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002191 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001930 | XXXX | XXXX | XXXX | (Open) Rescission Test-
The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX.
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is not sufficient to clear the finding. The additional signor signed the Mortgage and the Right to Cancel on XX/XX/XXXX. The rescission periods starts when they signed on XX/XX/XXXX. The loan funded on XX/XX/XXXX. All borrowers were not given the required XXXX days to rescind. Re-opening of rescission is required. (XXXX) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002082 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001748 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001963 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002051 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002129 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002166 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001908 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001969 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001992 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002120 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002107 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002113 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002072 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002203 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002207 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002233 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002028 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002069 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002245 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the adjusted value within 10%. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001943 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002052 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002249 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002172 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001962 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002232 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002021 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002041 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002159 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002209 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002216 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001918 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001953 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001876 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002140 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002151 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002001 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002149 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001985 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001980 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002205 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001921 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002057 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002063 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002204 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002053 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001919 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002220 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001912 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002241 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002193 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001402 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002256 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002168 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001952 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002047 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002143 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002234 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002080 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002144 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001999 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9001945 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002122 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002179 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003894 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002709 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003892 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002658 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003796 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003893 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003847 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003511 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003551 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003836 | XXXX | XXXX | XXXX | (Open) HOC – Inaccurate-
The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003819 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003865 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003870 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003654 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003798 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003682 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Open) Income Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a XXXX% variance. The DTI of XXXX% is within the guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 2 | 2 | 1 | 1 | 3 | 2 | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003673 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003900 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003875 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002544 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003843 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal
amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003859 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003560 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003872 | XXXX | XXXX | XXXX | (Open) Security Instrument – Signature Discrepancy-
The subject mortgage was executed by two managing members/authorized signors; however, only one member (borrower) was included in the LLC documentation as an authorized member. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003792 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003715 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003876 | XXXX | XXXX | XXXX | (Open) HOC - Inaccurate-
The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003851 | XXXX | XXXX | XXXX | (Open) Security Instrument - Name Discrepancy-
The date of the Trust listed in the mortgage does not match the date of the Trust listed in the Trust documents. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003718 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003332 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003068 | XXXX | XXXX | XXXX | (Open) Security Instrument - Name Discrepancy-
The vested interest on the security instrument could not be verified as accurate. The loan file did not contain documentation to support the accuracy of vested interest and execution of the security agreement. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003853 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003879 | XXXX | XXXX | XXXX | (Open) HOC - Inaccurate-
The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 2 | 2 | 3 | 3 | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003602 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condominium Rider does not reflect the name of the condominium project. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003825 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003636 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003883 | XXXX | XXXX | XXXX | (Open) Security Instrument – Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The attached referenced XXXX is missing the Condominium Project name. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003601 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003656 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003823 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003804 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003600 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003797 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003840 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003783 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003904 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003901 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003887 | XXXX | XXXX | XXXX | (Open) Security Instrument – Missing Signature-
The Security Instrument was not fully executed by all required parties. The deed dated XX/XX/XXXX indicates the borrower is married; however the signature of the spouse is missing. A transfer deed was not found in the loan file. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 3 | 3 | 3 | 3 | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003863 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003868 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003898 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003365 | XXXX | XXXX | XXXX | (Open) Security Instrument Inaccurate-
The security instrument was not completed accurately. The loan is held in a trust. On page XXXX of the security instrument, as well as in the signature block, the trust’s Under Agreement (U/A) date is listed as XX/XX/XXXX. However, the Certification of Trust reflects a different U/A date of XX/XX/XXXX. . |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003920 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003861 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003838 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003880 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003896 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit.
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003791 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000256 | XXXX | XXXX | XXXX | (Clear) Security Instrument – Trust Missing-
Title to the Property is held in a Trust, but the Trust Document is missing. Unable to determine if signatures on the Security Instrument are accurate.
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000310 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000348 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000605 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000228 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000130 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000334 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000286 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000401 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000575 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000586 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000136 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000377 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000230 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000435 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000215 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the adjusted value used at origination within 10%. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000330 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000504 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000224 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000216 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Open) Income Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000360 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000326 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000551 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000365 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000420 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000232 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000233 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000246 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000156 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000153 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000291 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000475 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000667 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000400 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000169 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000191 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000197 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000429 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000150 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000333 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000339 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000666 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000337 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000533 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000166 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000451 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000307 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000188 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000187 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000548 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000398 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000665 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000464 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000241 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000486 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000554 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000327 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000252 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the adjusted value used at origination within 10%. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000599 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000487 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000574 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000300 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000157 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000439 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000626 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000162 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000237 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000325 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000204 | XXXX | XXXX | XXXX | (Clear) Security Instrument – Inaccurate-
The security instrument was not completed accurately. The community name on the PUD Rider does not match the development name on the legal description.
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000218 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000172 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance.
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000363 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000211 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000298 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000167 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000263 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000617 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000532 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000481 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000192 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000208 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000387 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000345 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000452 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000582 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000240 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000134 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000247 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000253 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000242 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000336 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000340 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000180 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000426 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003910 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000118 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9000530 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003435 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003540 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002749 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003555 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002621 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002452 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002838 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002797 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003759 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003671 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002349 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003190 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003353 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003776 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002814 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003075 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002486 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003200 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003105 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003160 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003264 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002435 | XXXX | XXXX | XXXX | (Open) Security Instrument – Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The condominium rider is missing the name of the condominiumproject. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002263 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002296 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003531 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002804 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003041 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003741 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003204 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002262 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003429 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002271 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003580 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002940 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003016 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002280 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002475 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002279 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002278 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002652 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003179 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003603 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002519 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002957 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002436 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003379 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002558 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003519 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003543 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002845 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003662 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002620 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002990 | XXXX | XXXX | XXXX | (Open) Security Instrument – Incomplete-
Security Instrument – Incomplete. The PUD rider is missing the name of the Planned Unit Development. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002617 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003696 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003567 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002959 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002571 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002495 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003229 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003093 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002914 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002603 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002363 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003490 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003720 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002638 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002309 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002822 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002695 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002948 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003745 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003544 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003566 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003003 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002977 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002400 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003364 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003491 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002727 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002887 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002929 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003500 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002764 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003568 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002340 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002266 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002287 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002869 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002758 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002739 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002326 | XXXX | XXXX | XXXX | (Open) Security Instrument – Incomplete-
The PUD Rider is missing the name of the PUD project. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 3 | 3 | 3 | 3 | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002589 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002346 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002622 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003218 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002541 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002865 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002564 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002921 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002906 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003743 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002358 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003612 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI – Exceeds Guidelines-
The income data was delivered as $XXXX. Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003133 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003597 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003164 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003606 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002595 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002260 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002805 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002913 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003299 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002270 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002608 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002704 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003294 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002995 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002812 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002443 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002393 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003320 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002327 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003281 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the adjusted appraised value within 10%. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002811 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003115 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI – Exceeds Guidelines-
The income data was delivered as $XXXX Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002655 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002261 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002901 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003451 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002999 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002530 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002828 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003719 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002484 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002765 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003609 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002832 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002331 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002253 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003750 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002580 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003652 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002784 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003256 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003738 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003393 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002501 | XXXX | XXXX | XXXX | (Open) Security Instrument – Inaccurate-
The security instrument was not completed accurately. The Condominium project name “XXXX” on the Condo rider is inaccurate when compared to the legal description “XXXX”. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 3 | 1 | 1 | 3 | 3 | 3 | 2 | C | C | A | A | C | B | C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002257 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002919 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002503 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003504 | XXXX | XXXX | XXXX | (Clear) State Testing – Prohibited Fees-
The loan failed the XXXX prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings: The loan is Home Acquisition Loan (XXXX Code §535.8(XXXX)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed XXXX percent (XXXX%) of an amount which is equal to the loan principal; or XXXX percent (XXXX%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(XXXX)(a)). This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(XXXX)(b) does not include HELOCs in its definition of a “Loan”. Informational Only. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003099 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002441 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003723 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003572 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002613 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal – Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002831 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003277 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002258 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003722 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002295 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002947 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003494 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002563 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002494 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003311 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal – Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003444 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002450 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002231 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003210 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002578 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003710 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003361 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003324 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002448 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003064 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003114 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003650 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003322 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002297 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003735 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002740 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003637 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002489 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002353 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002229 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003423 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002626 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002639 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003553 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002968 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003503 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002301 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002406 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003259 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002364 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003634 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003257 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002732 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003758 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003633 | XXXX | XXXX | XXXX | (Clear) State Testing - Prohibited Fees-
The loan failed the XXXX prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings: The loan is Home Acquisition Loan (XXXX Code §535.8(XXXX)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed XXXX percent (XXXX%) of an amount which is equal to the loan principal; or XXXX percent (XXXX%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(XXXX)(a)). This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(XXXX)(b) does not include HELOCs in its definition of a “Loan”. Informational Only. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002586 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003213 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003411 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003454 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002524 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002347 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002565 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002576 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003029 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003170 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved) Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003232 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003649 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002343 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002839 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002624 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002733 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did not support the origination value within 10%. (XXXX)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003919 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002872 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003178 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002721 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003742 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003747 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 9003464 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002394 | XXXX | XXXX | XXXX | (Open) Rescission Test-
The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002460 | XXXX | XXXX | XXXX | (Clear) State Testing - Prohibited Fees-
The loan failed the XXXX prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings: The loan is Home Acquisition Loan (XXXX Code §535.8(XXXX)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed XXXX percent (XXXX%) of an amount which is equal to the loan principal; or XXXX percent (XXXX%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(XXXX)(a)). This test includes the following fees: Origination fee $XXXX, XXXX fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(XXXX)(b) does not include HELOCs in its definition of a “Loan”. Informational Only. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 9003575 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002509 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002275 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002927 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003124 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003605 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002447 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003702 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003688 | XXXX | XXXX | XXXX | (Open) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condominium Rider is missing the name of Condominium Project |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is not supported within a 10% variance-
The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) Response 1 (XX/XX/XXXX XX:XXPM)
The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 3 | 3 | 3 | 3 | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003042 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002408 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is not supported within a 10% variance-
The second AVM provided did support the origination value within 10%. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002748 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002299 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003510 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002934 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002756 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002858 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003036 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003347 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002318 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002320 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating | Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade (KBRA) |
Final Compliance Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) | Final Overall Grade(Moody’s) | Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003573 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002372 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002962 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003403 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9003005 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 9002566 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 9002255 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount-
The secondary valuation product supported the original appraised value within 10%. |
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