Exhibit 99.20
| Conditions Report XXX | |
| Loans in Report: | XXX |
| Loans with Conditions: | XXX |
| Loan Number | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Loan Credit Grade | Final Securitization Loan Credit Grade | Initial Securitization Loan Property Valuation Grade | Final Securitization Loan Property Valuations Grade | Initial Securitization Loan Compliance Grade | Final Securitization Loan Compliance Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Loan Credit Grade | Final S&P Loan Credit Grade | Initial S&P Loan Property Valuation Grade | Final S&P Loan Property Valuations Grade | Initial S&P Loan Compliance Grade | Final S&P Loan Compliance Grade | Did Lender Acknowledge Exception at Origination |
| 2026060265 | XXX | Not Applicable | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 2026060381 | XXX | XXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |