EXHIBIT 99.18
CONSOLIDATED ANALYTICS POOL 2 EXCEPTION GRADES REPORT
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name | Note Date | Original Balance |
State | TPR QM ATR Status |
Loan Status | Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ |
Final Credit Grade (DBRS/ |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
248 |
XXX | XXX | XXX | XX/ XX/ XXXX |
XXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 04/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of 20.89% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720. Borrower has stable job time — Borrower has 6.24 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
248 |
XXX | XXX | XXX | XX/ XX/ XXXX |
XXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 04/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of 20.89% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720. Borrower has stable job time — Borrower has 6.24 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
248 |
XXX | XXX | XXX | XX/XX/ XXXX |
XXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 04/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of 20.89% is less than Guideline DTI of 45% Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720. Borrower has stable job time — Borrower has 6.24 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||