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TPR Firm:
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Report Date:
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XXX
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||
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Client Name:
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XXX
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Report:
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XXX
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|
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Deal Name:
|
XXX
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Loans in report:
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XXX
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Incenter Loan ID
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Client Loan ID
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Seller Loan ID
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Investor Loan ID
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Overall Initial Loan Grade
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Overall Final Loan Grade
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Credit Initial Loan Grade
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Credit Current/Final Loan Grade
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Compliance Initial Loan Grade
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Compliance Current/Final Loan Grade
|
Property Initial Loan Grade
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Property Current/Final Loan Grade
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Queue
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Finding Code
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Date Created
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Date Modified
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Finding Status
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Event Level
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Initial Finding Grade
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Current/Final Finding Grade
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Finding Category
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Finding Sub Category
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Finding Name
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Finding Comments
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Seller Comments
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Resolution Comments
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Reviewer Comp Factor
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Originator Comp Factors
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Finding Documents
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Originator QM Status
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Final Reviewed QM Status
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Loan Amount
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Property State
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Occupancy
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Loan Purpose
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Refinance Purpose
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Acknowledged / WaivedBy
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Waiver in File?
|
|
XXX
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2026050423
|
XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Closed
|
XXX
|
XXX
|
XXX
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
Grant/Warranty Deed is missing
|
Resolved-Received Special Warranty Deed to confirm Vesting on Mortgage. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. - Seller-XXX
Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-XXX
|
Ready for Review-Document Uploaded. - Seller-XXX
|
Resolved-Received Special Warranty Deed to confirm Vesting on Mortgage. - Due Diligence Vendor-XXX
|
Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX
Qualifying DTI below max allowed. XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of XXX%
Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months
|
XXX.pdf
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
XXX
|
XXX
|
XXX
|
XXX
|
XXX
|
N/A
|
N/A
|
||
|
XXX
|
2026050361
|
XXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
XXX
|
XXX
|
XXX
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Fraud Report Shows Uncleared Alerts
|
Resolved-Received cleared fraud report. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. - Seller-XXX
Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed and cleared all the high impact items reflected on the fraud
report. - Due Diligence Vendor-XXX
|
Ready for Review-Document Uploaded. - Seller-XXX
|
Resolved-Received cleared fraud report. - Due Diligence Vendor-XXX
|
Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of XXX%
Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX
|
XXX.pdf
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
XXX
|
XXX
|
XXX
|
XXX
|
XXX
|
N/A
|
N/A
|
||
|
XXX
|
2026050361
|
XXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
XXX
|
XXX
|
XXX
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Income and Employment Do Not Meet Guidelines
|
Resolved-Received income calculation worksheet for XXX-acct # XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. - Seller-XXX
Open-Income and Employment Do Not Meet Guidelines Bank Statements, Income Calc Worksheet and Lender Commentary do not support income used to qualify in the
amount of $XXX. Missing documentation is required and subject to review and possible recalculation of Income & DTI. Additional Conditions may apply. - Due Diligence Vendor-XXX
|
Ready for Review-Document Uploaded. - Seller-XXX
|
Resolved-Received income calculation worksheet for XXX -acct # XXX. - Due Diligence Vendor-XXX
|
Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of XXX%
Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX
|
XXX.pdf
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
XXX
|
XXX
|
XXX
|
XXX
|
XXX
|
N/A
|
N/A
|
||
|
XXX
|
2026050361
|
XXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
XXX
|
XXX
|
XXX
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Lender Income Calculation Worksheet
|
Resolved-Received income calculation worksheet for XXX-acct # XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. - Seller-XXX
Open-Income calculation worksheet for XXX -acct # XXX is missing from loan file. Income used by lender to qualify is $XXX and does not match Income Calc
Worksheet submitted or Lender Commentary. Subject to review and possible recalculation of Income & DTI. Additional Conditions may apply. - Due Diligence Vendor-XXX
Open- - Due Diligence Vendor-XXX
|
Ready for Review-Document Uploaded. - Seller-XXX
|
Resolved-Received income calculation worksheet for XXX -acct # XXX. - Due Diligence Vendor-XXX
|
Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of XXX%
Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX
|
XXX.pdf
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
XXX
|
XXX
|
XXX
|
XXX
|
XXX
|
N/A
|
N/A
|
||
|
XXX
|
2026050361
|
XXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
XXX
|
XXX
|
XXX
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Borrower 1 Business Bank Statements Less Than XXX Months Provided
|
Resolved-Received XXX bank statement for XXX. - Due Diligence Vendor-XXX
Ready for Review-Document Uploaded. - Seller-XXX
Open-Missing XXX Bank Statement XXX for Business XXX. Subject to review and possible recalculation of Income & DTI. Additional Conditions may apply. -
Due Diligence Vendor-XXX
|
Ready for Review-Document Uploaded. - Seller-XXX
|
Resolved-Received XXX bank statement for XXX. - Due Diligence Vendor-XXX
|
Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of XXX%
Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX
|
XXX.pdf
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
XXX
|
XXX
|
XXX
|
XXX
|
XXX
|
N/A
|
N/A
|