Exhibit 99.5
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358442 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358416 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358440 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358447 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358456 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358433 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358444 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358439 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358424 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358453 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358455 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358426 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358422 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358407 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358429 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358434 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358445 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358406 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358438 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358431 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358413 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358446 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358430 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358410 | XXXX | XXXX | XXXX | (Open) Security Instrument — Inaccurate- Page XXXX of mortgage shows XXXX AKA XXXX, however XXXX is a different person and not known as XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358421 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358415 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358414 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358454 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358450 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358412 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358436 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358432 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358419 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358441 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358437 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358411 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358452 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358405 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358425 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358420 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358423 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358417 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358418 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358427 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358428 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358408 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358451 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358443 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358448 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358449 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358404 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8358435 | XXXX | XXXX | XXXX | (Clear) Security Instrument — Name Discrepancy- The loan file does not include documentation confirming the vested interest on the Security Instrument or the Borrower’s ownership of the subject property. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | 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 | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8302511 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347578 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347588 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347575 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347594 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347593 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347577 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347591 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347582 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347596 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347581 | XXXX | XXXX | XXXX | (Open) Security Instrument — Incomplete- The following section(s) of the Security Instrument (Mortgage/Deed of Trust) are incomplete: The notary did not stamp the signature pages (page XXXX and XXXX) of the mortgage. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347595 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347590 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347585 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347587 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347583 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347586 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347584 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347592 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347579 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347589 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347576 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347612 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347601 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347626 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347615 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347604 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347619 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347629 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347607 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347616 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347597 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347630 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347622 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347610 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347600 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347625 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347618 | XXXX | XXXX | XXXX | (Clear) Security Instrument — Incomplete- The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The ink stamp or embossing seal by the XXXX notary is missing on the notary acknowledgment page of the mortgage. Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | 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 | C | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347613 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347611 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347606 | XXXX | XXXX | XXXX | (Clear) Security Instrument — Name Discrepancy- The vested interest on the security instrument could not be verified as accurate. The loan file did not contain documentation to support the accuracy of vested interest and execution of the security agreement. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | 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 | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347605 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347624 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347621 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347603 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347608 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347599 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347609 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347623 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347602 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347598 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347614 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347617 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347628 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347620 | XXXX | XXXX | XXXX | (Open) Security Instrument — Non-Borrowing Spouse/Missing- The Security Instrument was not executed by the non-borrower. According to the new mortgage, XXXX is married but is not married to the other signing party, XXXX. In XXXX, the spouse of XXXX is required to sign the mortgage. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8347627 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366214 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366215 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366204 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366222 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366202 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366221 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366223 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366207 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366228 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366209 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366203 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366213 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366205 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366212 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366229 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366230 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366224 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366219 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366206 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366210 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366211 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366217 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366218 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366227 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366225 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366226 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366220 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI — Exceeds Guidelines- The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366216 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366237 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366234 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366238 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366248 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366255 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366243 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366245 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366236 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366249 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366247 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366235 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366263 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366242 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366250 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366262 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366231 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366233 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366261 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366258 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366256 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366239 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366252 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366244 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366257 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366246 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366265 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366264 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366241 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366260 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366254 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366259 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366253 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366251 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8366240 | XXXX | XXXX | XXXX | (Open) Security Instrument — Name Discrepancy- The Vested Interest on the Security Instrument is inconsistent with Title Report and Name Affidavit. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379647 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379638 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379706 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379627 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379506 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379605 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379466 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379716 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379584 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379694 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379616 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379526 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379696 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379713 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379532 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379487 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379734 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379494 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379681 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379631 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379606 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379639 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379697 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379655 | XXXX | XXXX | XXXX | (Open) HOC — Inaccurate- The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379448 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379493 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379708 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379456 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379505 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379581 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379611 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379701 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379542 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379723 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379556 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379677 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379586 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379535 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379626 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379714 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379545 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379453 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379585 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379481 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379625 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379507 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379541 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379457 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379486 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379553 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379637 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379674 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379450 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379682 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379731 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379660 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379641 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379515 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379518 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379483 | XXXX | XXXX | XXXX | (Open) HOC — Inaccurate- The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Per https://www.consumerfinance.gov/find-a-housing-counselor/?zipcode=XXXX |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379566 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379492 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379523 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379691 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379477 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379712 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379685 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379512 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379449 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379732 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379642 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379640 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379692 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379610 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379500 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379480 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379446 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379623 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379703 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379608 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379531 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379599 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379671 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379615 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379636 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379564 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379709 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379472 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379719 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379578 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379590 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379567 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379621 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379468 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379667 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379580 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379499 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379490 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379668 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379563 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379602 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379724 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379482 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379646 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379488 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379633 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379489 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379700 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379510 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379570 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379662 | XXXX | XXXX | XXXX | (Open) HOC — Inaccurate- The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Per https://www.consumerfinance.gov/find-a-housing-counselor. Real Estate Settlement Procedures Act (Regulation X)12 CFR XXXX |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Open) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 2 | 2 | 3 | 3 | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | C | C | A | A | C | C | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379509 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379684 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379672 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379652 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379528 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379451 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379543 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379622 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379587 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379613 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379471 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379629 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379498 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379597 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379530 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379573 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379661 | XXXX | XXXX | XXXX | (Open) HOC — Inaccurate- The Homeownership Counseling Disclosure (HOC) does notlist the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. 12 CFR XXXX |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379676 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379474 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379693 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379729 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379517 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379643 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379568 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379508 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379707 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379464 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379715 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379669 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379687 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379614 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379539 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379583 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379717 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379476 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379620 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379460 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379452 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379473 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379666 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379595 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379571 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379600 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379654 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379538 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379467 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379511 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379603 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379663 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379609 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379678 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379455 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379533 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379651 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379596 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the adjusted value within 10%. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379690 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379496 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379461 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379478 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379475 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379527 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379644 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379516 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379495 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379658 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379664 | XXXX | XXXX | XXXX | (Open) HOC — Inaccurate- The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379656 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379513 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379548 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379617 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379559 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379560 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379619 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379562 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379728 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379650 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379721 | XXXX | XXXX | XXXX | (Open) State Testing- This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379529 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379653 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379536 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379630 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DTI — Exceeds Guidelines- The income data was delivered as $XXXX Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines. Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379462 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379550 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379705 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379501 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379552 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379689 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379520 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379704 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379607 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379557 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379554 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379727 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379711 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379594 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379688 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379645 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379628 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379574 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379491 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379504 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379447 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379618 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379479 | XXXX | XXXX | XXXX | (Clear) Security Instrument — Name Discrepancy- The loan file does not include documentation confirming the vested interest on the Security Instrument or the Borrower’s ownership of the subject property. Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | 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 | C | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379588 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379540 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379579 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379699 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379534 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379725 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379659 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379525 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379598 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379524 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379720 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379698 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379502 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379485 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379514 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379555 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379537 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379522 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379591 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379632 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379592 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379519 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379648 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379547 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379612 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379497 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379649 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379565 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379576 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379589 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379569 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379577 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379673 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379484 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379635 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379469 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379657 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379546 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379695 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379670 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379558 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379604 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379575 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379454 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379503 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379680 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379551 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379458 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379624 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379686 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379601 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379683 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379634 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379718 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance. Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379593 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379470 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379521 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379675 | XXXX | XXXX | XXXX | (Clear) No 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) Appraisal — Value is not supported within a 10% variance- The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
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| XXXX | 8379465 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379710 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379572 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379544 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379722 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379679 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379582 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| Loan |
Loan |
Last |
Note Date |
Original Loan |
QM |
ATR |
Compliance |
Credit |
Property |
Compensating |
Initial Rating |
Final Rating |
Initial Credit Rating |
Final Credit Rating | Initial Compliance Rating |
Final Compliance Rating |
Initial Property Valuation Rating |
Final Property Valuation Rating |
Initial Overall Loan Grade (DBRS Morningstar) |
Final Overall Loan Grade (DBRS Morningstar) |
Initial Credit Grade (DBRS Morningstar) |
Final Credit Grade (DBRS Morningstar) |
Initial Property Valuation Grade (DBRS Morningstar) |
Final Property Valuation Grade (DBRS Morningstar) |
Initial Compliance Grade(DBRS Morningstar) |
Final Compliance Grade(DBRS Morningstar) |
Initial Overall Loan Grade (KBRA) |
Final Overall Loan Grade (KBRA) |
Initial Credit Grade (KBRA) |
Final Credit Grade (KBRA) |
Initial Property Valuation Grade (KBRA) |
Final Property Valuation Grade (KBRA) |
Initial Compliance Grade(KBRA) |
Final Compliance Grade(KBRA) |
Initial Overall Loan Grade (S&P) |
Final Overall Loan Grade (S&P) |
Initial Credit Grade (S&P) |
Final Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Final Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Compliance Grade (S&P) |
Initial Overall Grade(Moody’s) |
Final Overall Grade(Moody’s) |
Initial Credit Grade (Moody’s) |
Final Credit Grade (Moody’s) |
Initial Property Valuation Grade (Moody’s) |
Final Property Valuation Grade (Moody’s) |
Initial Compliance Grade (Moody’s) |
Final Compliance Grade (Moody’s) | ||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379702 | XXXX | XXXX | XXXX | (Open) Rescission Test- The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXX | 8379665 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379733 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379549 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379561 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379459 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379463 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379726 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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| XXXX | 8379730 | XXXX | XXXX | XXXX | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Finding- The loan meets all applicable credit guidelines. |
(Clear) Appraisal — Value is supported within 10% of original appraisal amount- The secondary valuation product supported the original appraised value within 10%. |
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