| Loan Number | Loan ID | Last Name | Note Date | Original Loan Amount | QM Status | ATR Status | Compliance Exceptions | Credit Exceptions | Property Valuation Exceptions | Compensating Factors | 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 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) | Initial Overall Grade (S&P) | Final Overall 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 (Fitch) | Final Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Final Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Final Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Final Compliance Grade (Fitch) | 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) |
| XXXX | 1000731046 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731064 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731036 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731047 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731061 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731072 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731063 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731058 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731044 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the opinion of value in the origination appraisal report. |
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| XXXX | 1000731073 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731057 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA datedXX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731060 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the opinion of value in the origination appraisal report. |
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| XXXX | 1000731053 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731054 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the opinion of value in the origination appraisal report. |
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| XXXX | 1000731038 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731039 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731067 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing Entity Documentation- The loan file is missing required business documentation per guidelines. Missing Employer Identification Number (EIN#) source documentation. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the opinion of value in the origination appraisal report. |
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| XXXX | 1000731071 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the opinion of value in the origination appraisal report. |
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| XXXX | 1000731043 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the opinion of value in the origination appraisal report. |
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| XXXX | 1000731052 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731102 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731081 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Loan Amount- Subject transaction is a cash-out refinance with a loan amount of $XXXX The property was purchased XX/XX/XXXX for $XXXX per the appraisal, fraud report, and web search of property. The Underwriting Approval indicates acquisition cost was $XXXX; however, the file does not contain documentation to support. In addition, $XXXX is less than subject loan amount $XXXX. Per the guidelines for a property purchased within the last XXXX months; the loan amount will be limited to XXXX% of the acquisition cost ($XXXX) plus costs of documented improvements. Or an Executive Approval setting the loan amount is required if the lender believes a loan amount below the acquisition cost (plus improvements if applicable) is reasonable and supported. The file does not contain any documented improvements and the file does not contain an Executive Approval setting the loan amount. Therefore; the maximum loan amount allowed would be $XXXX per file documentation. Response 1 (XX/XX/XXXX XX:XXPM) Explanation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731050 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731104 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731103 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731051 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731056 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000731042 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided which did not support appraised value. A reconciliation report was provided of the appraisal & CDA that supported the appraised value. As the Recon was a 2nd valuation product, this is graded as an EV2. |
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| XXXX | 1000731049 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 1000707688 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 1000707686 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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