Exhibit 99.10
| Loan Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219171 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219172 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219173 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219174 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219175 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219176 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219177 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219178 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219179 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219180 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219181 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219182 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%.1 |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219183 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219184 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219185 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219186 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219187 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219188 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219189 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219190 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219191 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219192 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219193 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219194 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219195 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219196 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219197 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219198 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219199 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219200 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219201 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219202 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219203 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219204 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219205 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219206 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219207 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219208 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) secondary valuation Value not with in XX%- The secondary valuation from XXXXX value XXXXX did not supported the original appraised value dollar XXXXX 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 | 9219209 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219210 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219211 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219212 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219213 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219214 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219215 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219216 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219217 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219218 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219219 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219220 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219221 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219222 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219223 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219224 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219225 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219226 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219227 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219228 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219229 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219230 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219231 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219232 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219233 | 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 RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- 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 | 9219234 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219235 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219236 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219237 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219238 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219239 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219240 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219241 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219242 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219243 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219244 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219245 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219246 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219247 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219248 | 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 RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- 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 | 9219249 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219250 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219251 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219252 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219253 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219254 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219255 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219256 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219257 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219258 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219259 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219260 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219261 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219262 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219263 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219264 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219265 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219266 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219267 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219268 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219269 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219270 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219271 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219272 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219273 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219274 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219275 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219276 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219277 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219278 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219279 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219280 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219281 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219282 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219283 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219284 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219285 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219286 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219287 | 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 RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- 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 | 9219288 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219289 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219290 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219291 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219292 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219293 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219294 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219295 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219296 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219297 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219298 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219299 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219300 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219301 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219302 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219303 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219304 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219305 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219306 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219307 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219308 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219309 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219310 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219311 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219312 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 11 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219313 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219314 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219315 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219316 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219317 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219318 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219319 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219320 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219321 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219322 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219323 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219324 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219325 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | 95d520ac-6543-47e1-af0a-2d7b98e34e1c | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219326 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219327 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219328 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219329 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219330 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219331 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219332 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219333 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219334 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219335 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219336 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219337 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219338 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219339 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219340 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219341 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219342 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219343 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219344 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) secondary valuation Value not with in XX%- The secondary valuation from XXXXX value XXXXX did not supported the original appraised value dollar XXXXX 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 | 9219345 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219346 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219347 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219348 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219349 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219350 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219351 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219352 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219353 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219354 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219355 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219356 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219357 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219358 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219359 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219360 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219361 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219362 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219363 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219364 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219365 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219366 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219367 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219368 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219369 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219370 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219371 | 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/X/XXXX XX:XX Income documents were provided and reviewed calculation matches The exception has been cleared (Resolved) |
(Clear) No Valuation Finding- 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 | 9219372 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219373 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219374 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219375 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219376 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219377 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219378 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219379 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219380 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219381 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219382 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219383 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219384 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219385 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219386 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219387 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219388 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- |
(Open) secondary valuation Value not within XX%- The secondary valuation from XXXXX value XXXXX did not supported the original appraised value dollar XXXXX 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 | 9219389 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219390 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219391 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219392 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219393 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219394 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219395 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219396 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219397 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219398 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219399 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219400 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219401 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219402 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219403 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219404 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219405 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219406 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219407 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219408 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219409 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219410 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219411 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219412 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219413 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219414 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219415 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219416 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219417 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219418 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219419 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219420 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219421 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219422 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219423 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219424 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219425 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219426 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219427 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219428 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219429 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219430 | 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 RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- 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 | 9219431 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) secondary valuation Value not with in XX%- The secondary valuation from XXXXX value XXXXX did not supported the original appraised value dollar XXXXX 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 | 9219432 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219433 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219434 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219435 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219436 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219437 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219438 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219439 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219440 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219441 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219442 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219443 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219444 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219445 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219446 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219447 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219448 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219449 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219450 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219451 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219452 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219453 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219454 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219455 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219456 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219457 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%.1 |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219458 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219459 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219460 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219461 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219462 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219463 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219464 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219465 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219466 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219467 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219468 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219469 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219470 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219471 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219472 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219473 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219474 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219475 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219476 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219477 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219478 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219479 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219480 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219481 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219482 | 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 RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- 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 | 9219483 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219484 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Income document missing Income calculated using Truv_Payroll but documnets are missing in loan file to verify the income.Provide payroll documnets to verify the income. Response1: XX/X/XXXX XX:XX Income documents were provided and reviewed calculation matches The exception has been cleared (Resolved) |
(Clear) No Valuation Finding- 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 | 9219485 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219486 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219487 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219488 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219489 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219490 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219491 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219492 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219493 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219494 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219495 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219496 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219497 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219498 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219499 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219500 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219501 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219502 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219503 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219504 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219505 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219506 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219507 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219508 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219509 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219510 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219511 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219512 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219513 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219514 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219515 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219516 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219517 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219518 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219519 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219520 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219521 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219522 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219523 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Income document missing- Income calculated using Truv Payroll but documents are missing to verify the income.Provide payroll documents to verify the income. Response1: XX/X/XXXX XX:XX Income documents were provided and reviewed calculation matches The exception has been cleared (Resolved) |
(Open) secondary valuation Value not with in XX%- The secondary valuation from XXXXX value XXXXX did not supported the original appraised value dollar XXXXX within XX percent |
3 | 3 | 3 | 1 | 1 | 1 | 3 | 3 | C | C | C | A | A | A | C | C | C | C | C | A | A | A | C | C | C | C | C | A | A | A | C | C | C | C | C | A | A | A | C | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219524 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219525 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219526 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219527 | 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 RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- 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 | 9219528 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219529 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219530 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219531 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219532 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219533 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219534 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219535 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219536 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219537 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) secondary valuation Value not with in XX%- The secondary valuation from XXXXX value XXXXX did not supported the original appraised value dollar XXXXX 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 | 9219538 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219539 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219540 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219541 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219542 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219543 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219544 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219545 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219546 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219547 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219548 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219549 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219550 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219551 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219552 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219553 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219554 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219555 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219556 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219557 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219558 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219559 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219560 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219561 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219562 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219563 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219564 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219565 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219566 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219567 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219568 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219569 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219570 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219571 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219572 | 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 RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- 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 | 9219573 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219574 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219575 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219576 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219577 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219578 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219579 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219580 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219581 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219582 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219583 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219584 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219585 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219586 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219587 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219588 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXX | 9219589 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | 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 Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219590 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219591 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219592 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219593 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219594 | 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 RSHL APR threshold is X.XXX The loan is a compliant HPML Appraisal and prepayment requirements have been met. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219595 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219596 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219597 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219598 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219599 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| Loan Number |
Loan |
Last |
Note Date |
Original |
QM |
ATR |
Compliance |
Compliance |
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 | 9219600 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219601 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219602 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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| XXXXXX | 9219603 | XXXXXX | XX/XX/XXXX | XXX,XXX.XX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) No Valuation Finding- The secondary valuation product supported the original appraised value within XX%. |
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