Exhibit 99.21
| Conditions Report XXX | |
| Loans in Report: | XXX |
| Loans with Conditions: | XXX |
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | ConditionSub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 2026060265 | XXX | XXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | XXX | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | XXX is needed for XXX for XXX to confirm payment history. | Received VOM for the subject mortgage | Satisfied | (No Data) | Not Applicable | XXX: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of XXX. Mid fico score XXX. XXX: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for XXX months (XXX). Total reserves verified in the amount of XXX (XXX months). |
| 2026060381 | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | XXX | Asset Verification In File is Incomplete Per Requirements | No | Gift letter in file is for XXX. The gift wire transfer is for XXX total funds to close. Updated gift letter was not in the loan file. | Received updated gift ltr | Satisfied | (No Data) | Not Applicable | XXX: DTI below guideline requirement - XXX Comments: The borrower DTI is XXX% and below the guide max. XXX: Credit score exceeds guidelines - XXX Comments: The qualifying credit score is XXX. |