Exhibit 99.5
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218575 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218576 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218577 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218578 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218579 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218580 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218581 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218582 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218583 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218584 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218585 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218586 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218587 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218588 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218589 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218590 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218591 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218866 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218592 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218593 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218594 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218595 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218596 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218597 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218598 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218599 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218600 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218601 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218602 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218603 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218604 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218605 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218606 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218607 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218608 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218855 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218609 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218610 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218611 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218612 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218869 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218613 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218614 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218615 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218616 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218839 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218840 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218617 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Truv Payroll document Missing- Income documents-Income calculated using TRUV_PAYROLL documents but income documents are missing in loan file.Provide income documents to verify the income. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218618 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218841 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Truv Payroll document Missing- Income documents-Income calculated using TRUV_PAYROLL documents but income documents are missing in loan file.Provide income documents to verify the income. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | c | A | C | A | A | A | A | A | c | A | C | A | A | A | A | A | c | A | C | A | A | A | A | A | c | A | C | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218842 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218619 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218843 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218620 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218621 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218622 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218844 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218623 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218624 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218625 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218626 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218627 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218845 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218628 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218629 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218630 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218631 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218632 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218633 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218634 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218635 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218636 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218637 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218638 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218639 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218862 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218640 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218857 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) Occupancy issue- The AVM report’s ownership history indicates that the property is not owner-occupied; however, the application identifies it as the borrower’s primary residence. Please provide supporting documentation, such as a recent utility bill in the borrower’s name showing the subject property address as primary residence , to verify the occupancy status. Response1: XX/XX/XXXX XX:XX XX The provided Quit Cliam Deed confirms the transfer of ownership and signed application reflects subject primary residence. Conditioned cleared (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218641 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218642 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Truv Payroll document Missing- Income documents-Income calculated using TRUV_PAYROLL documents but income documents are missing in loan file.Provide income documents to verify the income. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218643 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218644 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218645 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218646 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218647 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218648 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218649 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218650 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218651 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218652 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218653 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218654 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218655 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218656 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218657 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218658 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218659 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218846 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218847 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218660 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218661 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218662 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218663 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218664 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218665 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218666 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218667 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218668 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218669 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218670 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218671 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218672 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218673 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218674 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218861 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218675 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218676 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218677 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218678 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218679 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218680 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218848 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218681 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218682 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218858 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218683 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218684 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218685 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218686 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218687 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218688 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218868 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218689 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218690 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218691 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218692 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218694 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218697 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218699 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218700 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218701 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218702 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218703 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Truv Payroll document Missing- Income documents-Income calculated using TRUV_PAYROLL documents but income documents are missing in loan file.Provide income documents to verify the income. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218704 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218705 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218707 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218708 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218850 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218709 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218710 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218711 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218712 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218713 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218837 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218714 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218715 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218716 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218717 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218718 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218719 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218720 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218721 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218722 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218723 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218724 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218725 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218859 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218851 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218726 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218727 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218728 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218729 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218730 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218838 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218731 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218732 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218733 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218734 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218735 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218736 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218737 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218738 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218739 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218740 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218741 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218742 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218743 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218744 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218745 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218746 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218747 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218748 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218749 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218750 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218751 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218752 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218753 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218867 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218754 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218755 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218852 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) Occupancy issue- The AVM report indicates that the owner history shows the property as not owner-occupied. However, the application summary lists it as a primary residence.Additionally, the public-record county search shows a different mailing address for the borrower. Please provide supporting documentation, such as a recent utility bill in the borrower’s name showing the subject property address as primary residence , to verify the occupancy status. Response1: XX/XX/XXXX XX:XX XX The provided Grant Deed confirms the transfer of ownership and signed application reflects subject primary residence. Conditioned cleared (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218756 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218757 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218856 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218864 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218758 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218759 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218760 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218761 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218762 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218763 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218764 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218865 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218765 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218853 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218766 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218767 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218768 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218769 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218770 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218771 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218772 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218773 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218774 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218775 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218776 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218777 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218778 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218779 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218780 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218781 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218782 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218783 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218784 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218785 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218786 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218706 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218849 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218693 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218860 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218695 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218696 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218698 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218787 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218788 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218789 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218790 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218791 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218792 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218793 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218794 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218795 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218796 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218797 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218798 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218799 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218800 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218801 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218802 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218803 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218804 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218805 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218806 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218807 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218808 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218809 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218810 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218854 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218811 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218812 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218813 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218814 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218815 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218816 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218817 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218818 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Truv Payroll document Missing- Income documents-Income calculated using TRUV_PAYROLL documents but income documents are missing in loan file.Provide income documents to verify the income. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218819 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218820 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218821 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218822 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218823 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218824 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218863 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218825 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218826 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218827 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218828 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218829 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218830 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218831 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218832 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218833 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218834 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218835 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218836 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218870 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218871 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- Secondary Value XXXXX Less Than Final Value XXXXXX, Variance > XX%, however, within adjusted value XXXXX |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218872 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218873 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218874 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218875 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218876 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218877 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219034 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218878 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218879 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218880 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218881 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218882 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218883 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219035 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218884 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218885 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218886 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218887 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218888 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218889 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219033 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218890 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218891 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218892 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218893 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218894 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218895 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218896 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218897 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218898 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218899 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218900 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX nonprime Home Loan Test - This loan failed the XX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. The loan is a compliant HPML Prepayment and Appraisal requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218901 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218902 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219036 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218903 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218904 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218905 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218906 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218907 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218908 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218909 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218910 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218911 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218912 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218913 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218914 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218915 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219058 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218916 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218917 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218918 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218919 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Paystub missing- Income is calculated using manual paystubs but paystubs is missing in loan file to calculate the income, please provide the paystubs. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218920 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218921 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219059 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218922 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218923 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218924 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218925 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218926 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218927 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218928 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218929 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219048 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218930 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218931 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218932 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218933 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218934 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218935 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218936 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218937 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX nonprime Home Loan Test- This loan failed the XX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. The loan is a compliant HPML Prepayment and Appraisal requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal- Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218938 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219049 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219037 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219038 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218939 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219039 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219050 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218940 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218941 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218942 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218943 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218944 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218945 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218946 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218947 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218948 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218949 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218950 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218951 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219051 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218952 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218953 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218954 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218955 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219040 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218956 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218957 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218958 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218959 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218960 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218961 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218962 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218963 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218964 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219052 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX nonprime Home Loan Test- This loan failed the XX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. The loan is a compliant HPML Prepayment and Appraisal requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Open) Appraisal- Value is not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 2 | 2 | 3 | 3 | C | C | A | A | B | B | C | C | C | C | A | A | B | B | C | C | C | C | A | A | B | B | C | C | C | C | A | A | B | B | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218965 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218966 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218967 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218968 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218969 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218970 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218971 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218972 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218973 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218974 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219053 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218975 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218976 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218977 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218978 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218979 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219041 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218980 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Truv Payroll document Missing- Income documents-Income calculated using TRUV_PAYROLL documents but income documents are missing in loan file.Provide income documents to verify the income. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218981 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218982 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218983 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218984 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218985 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218986 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218987 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218988 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218989 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218990 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218991 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219054 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218992 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218993 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218994 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219042 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218995 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219055 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218996 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218997 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218998 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9218999 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219000 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219001 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219043 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219002 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219003 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX nonprime Home Loan Test - This loan failed the XX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. The loan is a compliant HPML Prepayment and Appraisal requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219004 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219005 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219044 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219006 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219056 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219007 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219045 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219008 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219009 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219060 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219010 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219011 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219012 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219046 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219013 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219014 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219015 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Truv Payroll document Missing- Income documents-Income calculated using TRUV_PAYROLL documents but income documents are missing in loan file.Provide income documents to verify the income. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219057 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219047 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219016 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219017 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219018 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219019 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219020 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219021 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219022 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219061 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- The secondary valuation from XXXXXX from XXX XXXXXX did not supported the original appraised value dollar XXXXXX within XX percent |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219023 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219024 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219025 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219026 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219027 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219028 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219029 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219030 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219031 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219032 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219162 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219062 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219063 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219064 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219065 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219066 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219067 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219068 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219069 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX nonprime Home Loan Test - This loan failed the XX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. The loan is a compliant HPML Prepayment and Appraisal requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219070 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219071 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219072 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219073 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219158 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 - Secondary Valuation is missing - Secondary valuation is missing |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219074 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219075 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219077 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219078 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219079 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219080 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219081 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219082 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219083 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219084 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219085 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219086 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219087 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219088 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219089 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219090 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219091 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219092 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219093 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219094 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219095 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219096 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219097 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219098 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219099 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219100 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219101 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219159 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219102 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219103 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219104 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219105 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219106 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219107 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219108 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219109 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219110 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219163 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219111 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219160 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219112 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219113 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219114 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219115 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219116 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219164 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219117 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219118 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219119 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219165 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX Rate spread home loan test - This loan failed the XX rate spread home loan test X.XXX The loan exceeded the X.XXX Rate Spread Home Loan threshold The loan has an APR of XX.XXX The XX XXXX APR threshold is X.XXXThe loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219120 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219121 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219122 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219123 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219166 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219124 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219125 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219167 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219126 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219127 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219128 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219129 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219130 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219168 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219131 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Paystub missing- Income is calculated using manual paystubs but paystubs is missing in loan file to calculate the income, please provide the paystubs. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219132 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219133 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX nonprime Home Loan Test - This loan failed the XX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. The loan is a compliant HPML Prepayment and Appraisal requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219134 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Paystub missing- Income is calculated using manual paystubs but paystubs is missing in loan file to calculate the income, please provide the paystubs. Response1: XX/XX/XXXX XX:XX XX The income documentation has been provided and reviewed. The income calculation was verified and found to be accurate and consistent with the supporting documentation. Therefore, the exception has been satisfactorily addressed and is considered cleared. (Resolved) |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219169 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219135 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219136 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219137 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219138 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Open) XX nonprime Home Loan Test - This loan failed the XX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. The loan is a compliant HPML Prepayment and Appraisal requirements have been met. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219139 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219140 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219141 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) Borrower name mismatching- All documents showing borrower name is XXXXX, however AVM report showing owner name as XXXXXX. Provide updated AVM to reflect correct borrowe name as owner name. Response1: XX/XX/XXXX XX:XX XX The provided Warranty Deed confirms the transfer of ownership to borrower name. Conditioned cleared (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219142 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219143 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219144 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219145 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219146 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219147 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219148 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219149 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219150 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219170 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 not supported within a XX% variance- Secondary Value XXXXX Less Than Final Value XXXXXX, Variance > XX%, however, within adjusted value XXXXX |
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| Loan |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating |
Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219151 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219152 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219153 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219161 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219154 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219155 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219156 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219157 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (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 XX% of original appraisal amount- The secondary valuation product supported the original appraised value within XX%. |
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