|
Client Name:
|
||||||
|
Client Project Name:
|
SPIRE 2026-6
|
|||||
|
Start - End Dates:
|
5/1/2026 - 7/22/2026
|
|||||
|
Deal Loan Count:
|
83
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
83
|
|||||
|
Loans with Conditions:
|
16
|
|||||
|
3 - Total Active Conditions
|
||||||
|
3 - Non-Material Conditions
|
||||||
|
2 - Credit Review Scope
|
||||||
|
1 - Category: Income/Employment
|
||||||
|
1 - Category: Terms/Guidelines
|
||||||
|
1 - Property Valuations Review Scope
|
||||||
|
1 - Category: Property
|
||||||
|
18 - Total Satisfied Conditions
|
||||||
|
12 - Credit Review Scope
|
||||||
|
2 - Category: Application
|
||||||
|
3 - Category: Income/Employment
|
||||||
|
1 - Category: Insurance
|
||||||
|
4 - Category: Legal Documents
|
||||||
|
2 - Category: Terms/Guidelines
|
||||||
|
4 - Property Valuations Review Scope
|
||||||
|
2 - Category: Appraisal
|
||||||
|
1 - Category: Property
|
||||||
|
1 - Category: Value
|
||||||
|
2 - Compliance Review Scope
|
||||||
|
2 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
1 - Total Waived Conditions
|
||||||
|
1 - Property Valuations Review Scope
|
||||||
|
1 - Category: Property
|
||||||
|
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton
and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
|
||||||
|
Client Name:
|
||||||||||||||||||||||||||||||||||||
|
Client Project Name:
|
SPIRE 2026-6
|
|||||||||||||||||||||||||||||||||||
|
Start - End Dates:
|
5/1/2026 - 7/22/2026
|
|||||||||||||||||||||||||||||||||||
|
Deal Loan Count:
|
83
|
|||||||||||||||||||||||||||||||||||
|
Conditions Report 2.0
|
||||||||||||||||||||||||||||||||||||
|
Loans in Report:
|
83
|
|||||||||||||||||||||||||||||||||||
|
Loans with Conditions:
|
16
|
|||||||||||||||||||||||||||||||||||
|
Loan Number
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
409057779
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%
|
|||||||||||||||
|
409057782
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: XXX of XXX consumer credit history per XXX; XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid-score per XXX; XXX FICO is minimum required per guidelines.
CFCFS2854: Significant time in profession
- XXX Comments: XXX working in the XXX field.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX of XXX mortgage history per XXX; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves in file; XXX required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX employed with XXX
|
|||||||||||||||
|
409057788
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI 42.12% is below guideline maximum 50%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower has XXX mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > min required of $XXX. / XXX PITIA.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
409057789
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of 5.58% is below guideline requirement max of 50%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Representative score of XXX exceeds guideline requirement of XXX.
|
|||||||||||||||
|
409057790
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required
within 60 days of consummation
|
No
|
XXX percent tolerance fail of $XXX Due to % of Loan Amount [Point] Fees added on CD issued XXX with no internal COC in file. Provide
Internal COC reflecting valid reason for the fee changes within XXX of change or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via shipping method including tracking, within XXX of consummation
|
7.2.26-Client provided COC issued XXX. Satisfied. (provide docs in pdf format, docx/word docs get corrupted and can be unviewable).
|
7.2.26-Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of 27.21% is below the maximum allowable of 50%
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
|
|
409057791
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves=$XXX, XXX. None required
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
409057796
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%. G/l max is XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX piti reserves. 0 required.
|
|||||||||||||||
|
409057797
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
|
|||||||||||||||
|
409057801
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
D
|
A
|
D
|
B
|
N/A
|
N/A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing satisfactory evidence of ownership of XXX (tenant on lease) and XXX (company reflected on rent receipt) to support borrower has
no ownership interest in either business per guidelines (Sec 1.8.2.1.1). Lease agreements made to entities are acceptable o The borrower cannot be part of the entity.
|
7-2-26 Client replied: Uploaded info for each business in question showing borrower has no ownership interest in either business.
|
7-7-26 XXX reviewed Cert of formation for XXX with XXX as Manager/member which matches lease signed. Wire Payment was from XXX on XXX
matches up to signing of lease and there is no connection to borrower. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below the maximum allowable of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves = $XXX, XXX months. XXX months required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX months exceeds the required XXX months.
|
|
409057801
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
D
|
A
|
D
|
B
|
N/A
|
N/A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing third party valuation to support original appraised value.CU score provided at 5.0
|
6-24-26 Client replied: The CDA is for $XXX. The underwriter lowered the appraised value on the 1003 to match the CDA.
|
6-24-26 XXX reviewed CDA and updated data. CDA used as value. LTV based on sales price. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below the maximum allowable of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves = $XXX, XXX months. XXX months required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX months exceeds the required XXX months.
|
|
409057801
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
D
|
A
|
D
|
B
|
N/A
|
N/A
|
Property Valuations
|
Value
|
Satisfied
|
C
|
A
|
C
|
B
|
PRVAVALU5249
|
Property Value Not Supported
|
No
|
CDA does not support appraised value.
|
6-24-26 Client replied: The CDA is for $XXX. The underwriter lowered the appraised value on the 1003 to match the CDA.
|
6-24-26 XXX reviewed CDA and updated data. CDA used as value. LTV based on sales price. Exception satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below the maximum allowable of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves = $XXX, XXX months. XXX months required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX months exceeds the required XXX months.
|
|
409057802
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
|
|||||||||||||||
|
409057804
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below the XXX% max.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves are above the required XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
|
|||||||||||||||
|
409057805
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: XXX of XXX consumer credit history per CBR; XXX required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been at current residence for XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid-score per CBR. XXX FICO is minimum required per guidelines.
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX of XXX mortgage history per CBR; XXX required.
|
|||||||||||||||
|
409057806
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing satisfactory income documentation on subject property to support the use of rents at $XXX/month to calculate DSCR of XXX.Subject
is a purchase transaction and the File contains 1007 for long term rental at $XXX/month.
|
6-30-26 Client replied: Updated Appraisal uploaded
|
7-1-26 XXX reviewed updated appraisal which 1007 reflects $XXX as fair market rent and is signed XXX. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been at current residence for XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceeds the required XXX.
|
|
409057809
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXXs required
|
|||||||||||||||
|
409057810
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score is XXX and minimum is XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been at current residence for XXX
|
|||||||||||||||
|
409057811
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Provide corrected note with borrower as XXX (instead of XXX) XXX.
|
7-14-26 Client replied: uploaded correct note/credit pkg
|
7-14-26 XXX reviewed Note with correct address. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Credit score is above the required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > None required.
|
|
409057811
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2864
|
Copy of Mortgage/Deed in file is incomplete
|
No
|
Provide corrected Deed of Trust with borrower as XXX (instead of XXX) XXX.
|
7-14-26 Client replied: uploaded correct deed/credit pkg
|
7-14-26 XXX reviewed DOT with correct address. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Credit score is above the required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > None required.
|
|
409057811
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide corrected closing documents to include: Guaranty, loan agreement, note addendum, etc reflecting borrower as XXX (instead of XXX)
XXX.
|
7-14-26 Client replied: uploaded correct credit pkg
|
7-14-26 XXX reviewed package which included the correct address. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Credit score is above the required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > None required.
|
|
409057811
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER4238
|
Business entity does not meet guidelines
|
No
|
Missing operating agreement for XXX XXX.File contains an operating agreement for XXX and a cert of Organization, EIN letter for
XXX.Provide the operating agreement for XXX.
|
7-16-26 Client replied: corrected OA uploaded
|
7-17-26 XXX reviewed operating agreement. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Credit score is above the required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > None required.
|
|
409057813
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below guideline requirement of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Representative score of XXX exceeds guideline requirement of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI reserve exceeds required reserves of ($XXX x 3 = $XXX).
|
|||||||||||||||
|
409057816
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below the XXX % max.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX months of reserves are above the required 0.
|
|||||||||||||||
|
409057819
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
B
|
A
|
A
|
C
|
B
|
N/A
|
N/A
|
C
|
B
|
A
|
A
|
C
|
B
|
N/A
|
N/A
|
Property Valuations
|
Property
|
Waived
|
C
|
B
|
C
|
B
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
File is missing the Association balance sheet dated within 90 days of the note date.
|
(No Data)
|
8.14.26 Acknowledged by client.
|
(No Data)
|
Not Applicable
|
CFCFS3824: Borrower contributed an additional down payment
- XXX Comments: Borrower contributed an additional $XXX to the required down payment of $XXX for a total of $XXX down payment.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline requirement max of XXX% for a Condo.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI reserve exceeds required reserves of ($XXX x 6 = $XXX).
|
|
409057820
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP132
|
Missing HOA Certificate/Questionnaire
|
No
|
Missing HOA certificate. File has several emails answering several questions but no full copy of the document.
|
6-29-26 Client replied: This was already included in original submission, reuploaded.
|
6-30-26 XXX reviewed HOA question which included all pages. Only found comments page in original file. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guideline allows XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX. XXX required.
|
|
409057824
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX. XXX required.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > None required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
409057826
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation.CDA provided is dated XXX which is more than XXX old at note date of XXX.Provide updated CDA to support value
of $XXX.
|
7-9-26 Client replied: Please see updated CDA
|
7-10-26 XXX reviewed CDA dated XXX which supports appraised value. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or .XXXsof PITIA. XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
|
|
409057828
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX of XXX mortgage history per CBR; XXX required.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX living at primary residence.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: XXX of XXX consumer credit history per CBR; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid-score per XXX.
|
|||||||||||||||
|
409057829
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX. None required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at primary residence.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
409057833
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX reserves in file; XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid-score per XXX; XXX FICO is minimum required per guidelines.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.
|
|||||||||||||||
|
409057835
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Significant time at current residence of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX. XXX required.
|
|||||||||||||||
|
409057837
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
|
|||||||||||||||
|
409057838
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%
|
|||||||||||||||
|
409057839
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guideline allows XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX. XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
|
|||||||||||||||
|
409057843
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower has XXX mortgage payment history XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > None required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
409057847
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash Reserves $XXX, XXX reserves, XXX required
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% revolving credit utilized
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below the maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds the minimum of XXX
|
|||||||||||||||
|
409057848
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guideline allows XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX,XXX. XXX required.
|
|||||||||||||||
|
409057849
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX. None required
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
409057851
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Significant time at current residence of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX. XXX required.
|
|||||||||||||||
|
409057852
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrowers have XXX for XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX. XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX PITIA > None required.
|
|||||||||||||||
|
409057856
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below guideline requirement max of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX of 0 x 30 exceeds requirement of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX PITI reserve exceeds required reserves of ($XXX x XXX = $XXX).
|
|||||||||||||||
|
409057951
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
|
|||||||||||||||
|
409057952
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds the minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI 42.59% is below the maximum of 50%
CFCFS2854: Significant time in profession
- XXX Comments: XXX in the same profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves $XXX, XXX reserves, XXX required
|
|||||||||||||||
|
409057955
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves are above the required XXX.
CFCFS2860: Good credit history
- XXX Comments: No late payments on credit report.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min
|
|||||||||||||||
|
409057956
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves is above the required XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
CFCFS1744: DTI below guideline requirement
- XXX Comments: 26.49% DTI is below the 50% max.
|
|||||||||||||||
|
409057958
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds the minimum of XXX
CFCFS1736: Significant time at current residence
- XXX Comments: XXX residing in current residence
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI 28.55% is below the maximum of 50%
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below the maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash Reserves $XXX, XXX reserves, XXX required
|
|||||||||||||||
|
409057959
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves are above the required XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: 40.92% DTI is below the 50% max
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min
|
|||||||||||||||
|
409057960
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
|
|||||||||||||||
|
409057963
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP4625
|
The orig file does not contain a third party fraud report
|
No
|
Provide third party Fraud Report for borrower which includes the complete participants list including the appraiser/appraisal company
and any supporting documentation to clear any alerts present on report.
|
6-30-26 Client replied: Upload fraud report/LDP
|
7-1-26 XXX reviewed fraud report and lien report. Exception satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below the maximum of XXX%
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% revolving credit utilized
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI 40.64% is below the maximum of 50%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds the minimum of XXX
|
|
409057964
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: 35.42% DTI is below the 50% max.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves are above the required XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below the XXX% max.
|
|||||||||||||||
|
409057965
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPTRID4056
|
TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated
Total Payment Amount
|
No
|
Corrected on PCCD dated XXX; Exception satisfied.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: No late payments on credit report in last XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves is above the required XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
|
|
409057967
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves in file; XXX required per guidelines.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX of XXX mortgage history per XXX; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been at current residence for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid-score per XXX. XXX FICO is minimum required per guidelines.
|
|||||||||||||||
|
409057970
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below the XXX% max.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX months of reserves are above the required XXX.
|
|||||||||||||||
|
409057973
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2420
|
Missing HUD-1 (Final and Estimated)
|
No
|
Provide Final Hud-1.
|
6-26-26: Client uploaded final HUD1.
|
6-26-26: XXX reviewed final HUD1. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.
|
|
409057976
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceeds required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX. XXX required.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|||||||||||||||
|
409057978
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves $XXX XXX months reserves, XXX months required
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Primary residence mtg reviewed XXX months exceeds the XXX months required
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds the minimum of XXX
|
|||||||||||||||
|
409057980
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below the XXX% max.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves are above the required XXX
|
|||||||||||||||
|
409057985
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX months. XXX months required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guideline allows XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Significant time at current residence of XXX years.
|
|||||||||||||||
|
409057986
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
B
|
B
|
A
|
A
|
B
|
B
|
N/A
|
N/A
|
B
|
B
|
A
|
A
|
B
|
B
|
N/A
|
N/A
|
Property Valuations
|
Property
|
Active
|
B
|
B
|
B
|
B
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Property is XXX, minimum square footage is XXX. XXX considers this as non material/non fatal as size is supported by similar
comparables with the similar square footage and functionality. Also supported with compensating factors including XXX reserves with XXX required, XXX of on time payment of mortgage with XXX required, and borrower has XXX experience as a
property owner.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower has XXX of current mortgage history.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Borrowers XXX FICO score is above the XXX min.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves are above the required XXX.
|
|
409057987
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX PITI reserve exceeds required reserves of ($XXX x 3 = $XXX).
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below guideline requirement max of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX of 0 x 30 exceeds guideline requirement of XXX.
|
|||||||||||||||
|
409057993
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
CFCFS2860: Good credit history
- XXX Comments: No late payments on credit report, XXX months reporting.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX months of reserves are above the required XXX.
|
|||||||||||||||
|
409057994
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been at current residence for XXX
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
|
|||||||||||||||
|
409057998
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% revolving credit utilized
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves $XXX, XXX months reserves, XXXmonths required
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds the minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below the maximum of XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: XXX yrs residing in current residence
|
|||||||||||||||
|
409057999
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
CFCFS2860: Good credit history
- XXX Comments: No late payments on credit report
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves are above the required XXX.
|
|||||||||||||||
|
409058000
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
|
|||||||||||||||
|
409058002
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL100
|
Legal document incorrect or incomplete
|
No
|
Guaranty reflects two guarantors with only one application, credit report and fraud report. Guidelines require guarantors submit a loan
application and credit scores and creditworthiness be used to qualify (Sec 1.3.6.2).Each Entity member (applicant) providing a Personal Guaranty (full recourse) must complete a XXX Form 1003 orsimilar credit application indicating clearly
that such document is being provided in the capacity of guarantor. Onlythe debt appearing on the personal credit report of individual(s) providing a personal guaranty needs to bereflected on the XXX Form 1003 loan application. The
application of each member providing a personal guarantyand their credit score, and creditworthiness will also be used to determine qualification and pricing.Provide corrected Guaranty with XXX as sole guarantor.
|
7-1-26 Client replied: Upld correct Guaranty XXX as sole guarantor
|
7-1-26 XXX reviewed corrected guaranty. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below the max allowed XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX months piti reserves in file. XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX exceeds the minimum XXX.
|
|
409058003
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX, XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > min required of $XXX / XXX PITIA.
|
|||||||||||||||
|
409058004
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX months. XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guideline allows XXX%.
|
|||||||||||||||
|
409058005
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX months. XXX months required.
CFCFS1736: Significant time at current residence
- XXX Comments: Significant time at current residence of XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
|
|||||||||||||||
|
409058010
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS2860: Good credit history
- XXX Comments: No late payments on credit report.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX months of reserves are above the required XXX.
|
|||||||||||||||
|
409058011
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
|
|||||||||||||||
|
409058012
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX piti reserves. XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceeds required XXX.
|
|||||||||||||||
|
409058013
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX piti reserves in file
|
|||||||||||||||
|
409058014
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP3822
|
Missing or incomplete documentation related to citizenship/residency
|
No
|
Loan application is missing citizenship declaration.
|
6-23-26 Client replied: please see the upl 1003
|
6-23-26 XXX reviewed 1003 and updated data. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX months of reserves are above the required XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below the XXX% max.
|
|
409058015
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO score is above the XXX min.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX of reserves are above the required XXX.
|
|||||||||||||||
|
409058016
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
|
|||||||||||||||
|
409058017
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR5352
|
Flood Effective date is greater than the transaction date
|
No
|
Effective policy start date per flood insurance policy is *XXX.
|
7-14-26 Client replied: Please see updated flood policy.
|
7-14-26 XXX reviewed flood insurance policy with start date of XXX. Exception satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > min required of $XXX /XXX required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at primary residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower has XXX mortgage payment history XXX. XXX required.
|
|
409058018
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX piti reserves in file. XXX required.
CFCFS5269: Minimal use of credit
- XXX Comments: XXX% consumer credit utilization in file
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX exceeds required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below the max allowed XXX%.
|
|||||||||||||||
|
409058026
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%
|
|||||||||||||||
|
409058027
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
|
|||||||||||||||
|
409058030
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal credit usage ratio of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX exceeds minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves = $XXX, XXX months. XXX months required.
CFCFS1746: Significant housing expense reduction
- XXX Comments: Housing expense reduction of $XXX per month - over XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX months exceeds the required XXX months.
|
|||||||||||||||
|
409058032
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below guideline requirement of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI reserve exceeds required reserves of ($XXX x 3 = $XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Representative score of XXX exceeds guideline requirement of XXX.
|
|||||||||||||||
|
409058033
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Reserves $XXX = XXX months Required Reserves XXX months + XXX months for property owned less than XXX months
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower is using XXX of available revolving credit
CFCFS2860: Good credit history
- XXX Comments: Borrower has no history of late payments
|
|||||||||||||||
|
409058034
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX months exceeds the required XXX months
|
|||||||||||||||
|
409058035
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Income/Employment
|
Active
|
B
|
B
|
B
|
B
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
Exception for use of XXXX income verified using XXX months actual instead of XXX months and instead of STR market rent.XXX considers
this as non material/non fatal due to compensating factors, credit score XXX/XXX minimum, significant housing payment reduction of $XXX, and borrowers responsibility to manage credit usage to XXX of available lines.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1746: Significant housing expense reduction
- XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX. Monthly savings of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX
|
|
409058035
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing additional documentation to support higher STR rents, estimated at $XXX for XXX months from XXX.
|
6-23-26 Client replied: see uploaded Exception with supporting doc for XXX income calculation6-24-26 Client replied: see XXX listing for
XXX attached, which links the subject to the XXX income data photos match the appraisal photos.
|
6-23-26 XXX reviewed XXX income doc which reflects property as "XXX" with Total paid out of $XXX x XXX%/XXX = $XXX/$XXX = 4.9134 DSCR.
Lender calculated DSCR was 5.2516 with total income of $XXX x 80/12= $XXX. Provide evidence that the XXX name XXX is XXX to support income is for the subject property. Exception remains. 6-26-26 XXX reviewed photos from XXX posting which
match appraisal. Exception satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1746: Significant housing expense reduction
- XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX. Monthly savings of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX
|
|
409058036
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Active
|
B
|
B
|
B
|
B
|
CRDTER113
|
Loan amount is below guideline minimum
|
No
|
Loan amount of $XXX is below minimum of $XXX. Exception on file approved for lower amount.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX exceeds the required XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX orXXX of PITIA. 3 months required.
|
|
409058038
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves= $XXX, XXX. XXX required.
CFCFS1736: Significant time at current residence
- XXX Comments: Significant time at current residence of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX.
|
|||||||||||||||
|
409058041
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX is below the maximum allowable of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash reserves: $XXX or XXX of PITIA. XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is above the required XXX
|
|||||||||||||||
|
Client Name:
|
|||||||||||||||||||
|
Client Project Name:
|
SPIRE 2026-6
|
||||||||||||||||||
|
Start - End Dates:
|
5/1/2026 - 7/22/2026
|
||||||||||||||||||
|
Deal Loan Count:
|
83
|
||||||||||||||||||
|
Conditions Report 2.0
|
|||||||||||||||||||
|
Loans in Report:
|
83
|
||||||||||||||||||
|
Loans with Conditions:
|
16
|
||||||||||||||||||
|
Loan Number
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
409057779
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057782
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057788
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057789
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057790
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409057791
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057796
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057797
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057801
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
D
|
A
|
D
|
B
|
N/A
|
N/A
|
No
|
|
409057802
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409057804
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409057805
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057806
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057809
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057810
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057811
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409057813
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057816
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057819
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
N/A
|
N/A
|
C
|
B
|
A
|
A
|
C
|
B
|
N/A
|
N/A
|
Not Applicable
|
|
409057820
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409057824
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409057826
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
No
|
|
409057828
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057829
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057833
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057835
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057837
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057838
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057839
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409057843
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057847
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057848
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057849
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057851
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057852
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057856
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057951
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057952
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057955
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057956
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057958
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057959
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057960
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057963
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057964
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057965
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409057967
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057970
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409057973
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057976
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057978
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057980
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057985
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057986
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
N/A
|
N/A
|
B
|
B
|
A
|
A
|
B
|
B
|
N/A
|
N/A
|
Not Applicable
|
|
409057987
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409057993
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057994
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409057998
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057999
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058000
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409058002
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058003
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058004
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409058005
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409058010
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058011
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409058012
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058013
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058014
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058015
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058016
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409058017
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409058018
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058026
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058027
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409058030
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058032
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058033
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409058034
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
No
|
|
409058035
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058036
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Yes
|
|
409058038
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
Not Applicable
|
|
409058041
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|