Hildene-CCC Depositor II, LLC ABS-15G
Exhibit 99.1 - Schedule 3
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| HILD2026NQM1-470 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| HILD2026NQM1-477 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| HILD2026NQM1-471 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| HILD2026NQM1-475 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| HILD2026NQM1-473 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| HILD2026NQM1-474 | B | B | B | B | A | A | A | A | Closed | XXXX | 2026-08-17 10:41 | 2026-08-19 06:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception for LTV due to being xxx - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Exception provided is not on Lender Approved exception form. Provide exception(s) with comp factors on Lender Approved exception form. - Due Diligence Vendor-08/17/2026 Waived-Audited LTV of 85% exceeds Guideline LTV of 80% LTV exception to go to 85% from 80% max for a xxx property & use of business funds is on pg's xxx. Comp factors: No late payments on credit, 10 months reserves, 30 year fixed rate. - Due Diligence Vendor-08/17/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Waived-Lender exception for LTV due to being rural - Due Diligence Vendor-08/19/2026 Waived-Audited LTV of 85% exceeds Guideline LTV of 80% LTV exception to go to 85% from 80% max for a xxx property & use of business funds is on pg's xxx. Comp factors: No late payments on credit, 10 months reserves, 30 year fixed rate. - Due Diligence Vendor-08/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |
No late payments on credit 10 months reserves |
Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx | ||
| HILD2026NQM1-476 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| HILD2026NQM1-472 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| HILD2026NQM1-478 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |