EXHIBIT 99.8

CONSOLIDATED ANALYTICS POOL 1 EXCEPTION GRADES REPORT

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

112

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/07/2026

Resolved

FCRE1201

Credit

Third Party Fraud Report not Provided

Missing Third Party Fraud Report The file is missing the required Fraud report.

Document Uploaded. Fraud Report

05/28/2026

Documentation is sufficient. Fraud report provided. Exception resolved.; Third Party Fraud Report is provided

05/28/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.9% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.9% is less than Guideline LTV of 80%

D

B

D

A

D

B

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

112

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/07/2026

Acknowledged

FCRE1148

Credit

Title Coverage is Less than Subject Lien

Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The title commitment coverage amount shown is XXX which is less than the loan amount of $XXX.

Acknowledged, accepting 2/B grading.

05/12/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.9% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.9% is less than Guideline LTV of 80%

D

B

B

B

D

B

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

112

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/07/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

05/11/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.9% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.9% is less than Guideline LTV of 80%

D

B

A

A

D

B

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

112

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/07/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

05/11/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.9% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.9% is less than Guideline LTV of 80%

D

B

A

A

D

B

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

72

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

05/30/2026

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

72

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

05/30/2026

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

A

A

A

72

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

05/30/2026

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

70

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

05/30/2026

Original LTV is Below the Guideline Maximum — Calculated LTV of 30.1% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.1% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

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A

A

A

A

A

A

A

A

A

A

70

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

05/30/2026

Original LTV is Below the Guideline Maximum — Calculated LTV of 30.1% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.1% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

A

73

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

05/30/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

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A

A

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A

A

A

A

A

A

A

A

73

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

05/30/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

73

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

05/30/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

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A

A

A

A

74

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

05/30/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

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A

A

74

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

05/30/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

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A

A

74

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

05/30/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

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A

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A

71

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.

Informational

05/30/2026

Original LTV is Below the Guideline Maximum — Calculated LTV of 51.5% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.5% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

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A

A

71

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/27/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.

Informational

05/30/2026

Original LTV is Below the Guideline Maximum — Calculated LTV of 51.5% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.5% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

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71

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

05/30/2026

Original LTV is Below the Guideline Maximum — Calculated LTV of 51.5% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.5% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

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93

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

06/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

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Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

93

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

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93

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

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94

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

06/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

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94

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

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94

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

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A

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A

A

A

A

A

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A

A

A

A

A

A

A

92

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCRE0377

Credit

The Total Hazard Coverage is LESS than the Required Coverage Amount

The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).

Document Uploaded. Master Policy in file.

06/04/2026

The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).; Master policy provided

06/04/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80%

C

A

C

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

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A

A

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A

A

A

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A

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A

A

92

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80%

C

A

A

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

92

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

05/29/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/01/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80%

C

A

A

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

101

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/02/2026

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

101

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

06/02/2026

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

101

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/02/2026

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

99

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

99

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

A

A

A

A

A

A

A

A

A

A

A

99

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

96

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

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A

A

A

96

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

96

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

98

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

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A

A

A

A

A

A

A

A

98

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

98

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

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A

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/ Morningstar)

Initial Credit Grade (DBRS/ Morningstar)

Initial Property Valuation Grade (DBRS/ Morningstar)

Initial Compliance Grade (DBRS/ Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/ Morningstar)

Final Credit Grade (DBRS/ Morningstar)

Final Property Grade (DBRS/ Morningstar)

Final Compliance Grade (DBRS/ Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

95

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCRE2009

Credit

Rent Loss Insurance Missing

Missing rent loss insurance coverage HOI reflects rental loss coverage, but policy does not reflect the amount of coverage. Per guideline, rent loss insurance for the subject property is required and must equal at least XXX months of local average monthly rents.

Document Uploaded. Fair Rental Value and the term is up to XXX months

06/04/2026

Rent Loss Coverage Present; Resolved — Rental value on cert.

06/04/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 36.87% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum — Calculated LTV of 36.87% is less than Guideline LTV of 75%

D

A

D

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

95

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 36.87% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum — Calculated LTV of 36.87% is less than Guideline LTV of 75%

D

A

A

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

95

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/01/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/02/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 36.87% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum — Calculated LTV of 36.87% is less than Guideline LTV of 75%

D

A

A

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

102

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/02/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational

06/03/2026

Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

102

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/02/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational

06/03/2026

Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

102

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/02/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational

06/03/2026

Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80%

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

122

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/05/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

122

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/05/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

122

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/05/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

119

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/03/2026

Resolved

FCRE2009

Credit

Rent Loss Insurance Missing

Missing rent loss insurance coverage.

Document Uploaded. Loss of Use is Loss of Rents on investment policies. XXX year coverage.

06/10/2026

Documentation is sufficient. Policy and explanation of coverage provided. Exception resolved.; Rent Loss Coverage Present.

06/11/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80%

D

B

D

A

D

A

C

B

A

A

D

D

C

A

D

D

C

A

D

D

C

A

D

D

C

A

D

D

C

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

119

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/04/2026

Resolved

FCRE1480

Credit

Asset 2 Does Not Meet Guideline Requirements

Asset Record XXX Does Not Meet G/L Requirements. The loan file reflects assets from the anticipated proceeds of a XXX property sale, however the required documentation to support the funds are missing from the loan file. Please provide evidence of closing and verification of receipt of proceeds.

Document Uploaded. Secured funds were through a XXX. Final CD attached

06/10/2026

Documentation is sufficient. CD provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or XXX.

06/11/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80%

D

B

C

A

D

A

C

B

A

A

D

D

C

A

D

D

C

A

D

D

C

A

D

D

C

A

D

D

C

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

119

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/04/2026

Acknowledged

FVAL9739

Property

Property/Appraisal General

Property/Appraisal guideline violation: The loan file property is located in a rural area, per guidelines rural areas are not eligible. However; the loan contains a lender approved exception allowing for rural areas to be eligible when the property does not meet guidelines. The lender identified the following compensating factors to justify the exception; XXX Mortgage History, FICO XXX points above minimum, Reserves >XXX mos than requirement

Lender exception provided for rural property supported by the following compensating factors: XXX Mortgage History, FICO XXX points above minimum, Reserves >XXX mos than requirement. Exception downgraded to a level 2/B.

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80%

D

B

C

B

D

A

C

B

A

A

D

D

C

A

D

D

C

A

D

D

C

A

D

D

C

A

D

D

C

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

119

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/05/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80%

D

B

A

A

D

A

C

B

A

A

D

D

C

A

D

D

C

A

D

D

C

A

D

D

C

A

D

D

C

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

117

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/04/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

117

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/04/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

117

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/05/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

120

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/05/2026

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

120

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/05/2026

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

120

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/08/2026

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Informational Only

06/08/2026

Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

118

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

06/04/2026

Resolved

FCRE0377

Credit

The Total Hazard Coverage is LESS than the Required Coverage Amount

The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).

Document Uploaded. Estimator

06/11/2026

The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Reconstruction cost evidence provided.

06/12/2026

Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80%

D

A

C

A

D

A

A

A

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A