EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: |
PennyMac | |
| Client Project Name: |
PNMAC PMTLT 2026-CNF3 J16585 | |
| Conditions Report 2.0 |
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| Loans in Report: |
268 | |
| Loans with Conditions: |
200 | |
| 39 - Total Active Conditions |
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7 - Material Conditions | ||||||
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3 - Property Valuations Review Scope | ||||||
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1 - Category: Appraisal | ||||||
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2 - Category: Value | ||||||
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4 - Compliance Review Scope | ||||||
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3 - Category: Ability to Repay/Qualified Mortgage | ||||||
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1 - Category: TILA/RESPA Integrated Disclosure | ||||||
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32 - Non-Material Conditions | ||||||
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5 - Credit Review Scope | ||||||
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1 - Category: Credit/Mtg History | ||||||
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1 - Category: DTI | ||||||
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2 - Category: Income/Employment | ||||||
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1 - Category: Terms/Guidelines | ||||||
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1 - Property Valuations Review Scope | ||||||
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1 - Category: Appraisal | ||||||
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26 - Compliance Review Scope | ||||||
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1 - Category: APR Tolerance | ||||||
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1 - Category: Documentation | ||||||
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15 - Category: RESPA | ||||||
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7 - Category: Right of Rescission | ||||||
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2 - Category: Texas Home Equity | ||||||
| 352 - Total Satisfied Conditions |
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48 - Credit Review Scope | ||||||
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15 - Category: Ability to Repay/Qualified Mortgage | ||||||
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8 - Category: Assets | ||||||
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2 - Category: Credit/Mtg History | ||||||
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3 - Category: DTI | ||||||
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7 - Category: Income/Employment | ||||||
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2 - Category: Insurance | ||||||
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6 - Category: Terms/Guidelines | ||||||
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5 - Category: Title | ||||||
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221 - Property Valuations Review Scope | ||||||
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214 - Category: Appraisal | ||||||
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1 - Category: Potential Misrepresentation | ||||||
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6 - Category: Value | ||||||
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83 - Compliance Review Scope | ||||||
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17 - Category: Ability to Repay/Qualified Mortgage | ||||||
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1 - Category: APR Tolerance | ||||||
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3 - Category: Compliance Manual | ||||||
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4 - Category: Documentation | ||||||
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1 - Category: Federal Consumer Protection | ||||||
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3 - Category: Finance Charge Tolerance | ||||||
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1 - Category: Right of Rescission | ||||||
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1 - Category: State Consumer Protection | ||||||
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2 - Category: Texas Home Equity | ||||||
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50 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 0 - Total Waived Conditions |
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©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
| Client Name: |
PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF3 J16585 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 268 | |
| Loans with Conditions: | 200 | |
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID |
No | Loan Originator Organization NMLS ID of XXX printed on 1003, Note, and Deed is connected to “XXXXXX” and does not match “XXXXXX” and this name does not appear as an “Other Trade Name” for XXXXXX The NMLS ID for XXXXXX is XXXXXX according to the NMLS consumer access website. |
10/15/2025: Received corrected Mortgage showing correct NMLS ID/ Originator. |
10/15/2025: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at the current residence for 52 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been operating XXX business for 37 years
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage payment history is positive over the review period. | |||||||||||||||||||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Need evidence of change of circumstances letter for Ten Percent tolerance, Notary and Endorsement fees increase, or a copy of a refund check in the amount of $230.10. *** PCCD provided & include if fee decreased |
1.14.2026 - Cure provided |
1.14.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
1/5/2026 Received BPO. Value supported with + 2.37% variance. |
1/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Clayton to order BPO |
1/5/2026 Received BPO. Value supported with + 2.37% variance. |
1/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 593 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero tolerance $525 due to added Survey fee no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. |
1.13.2026 - Cure provided |
1.13.26 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 705 is 85 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets at $18053.58. Required reserves: $0.00 | |||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Missing supporting documentation for omitting $3802.12 mortgage payment from borrowers’ monthly liabilities |
2/23/2026: Received docs to show REO sold 1/7/2026 - after closing but prior to delivery to FNMA and first payment date to new loan. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amount of $51,726.49 exceeds $0.00 the minimum required per AUS findings
CFCFS1739: Positive mortgage payment history - Clayton Comments: 27 months positive mortgage payment history exceeds 12 months the minimum required per lender guidelines
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.91% is below 45.00% the maximum allowable per lender guidelines
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 exceeds 620 the minimum required per lender guidelines
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing Relocation agreement to include details relating to departing residence XXX (Mortgage payment $3,802.12 was not included in DTI of 43.91%) Including payment results in a DTI of 70.00% |
2/23/2026: Received docs to show REO sold 1/7/2026 - after closing but prior to delivery to FNMA and first payment date to new loan. |
2/23/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amount of $51,726.49 exceeds $0.00 the minimum required per AUS findings
CFCFS1739: Positive mortgage payment history - Clayton Comments: 27 months positive mortgage payment history exceeds 12 months the minimum required per lender guidelines
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.91% is below 45.00% the maximum allowable per lender guidelines
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 exceeds 620 the minimum required per lender guidelines | |||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | A | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amount of $51,726.49 exceeds $0.00 the minimum required per AUS findings
CFCFS1739: Positive mortgage payment history - Clayton Comments: 27 months positive mortgage payment history exceeds 12 months the minimum required per lender guidelines
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.91% is below 45.00% the maximum allowable per lender guidelines
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 exceeds 620 the minimum required per lender guidelines | |||||||||||||||||||||||||||||||||||||
| 6 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry |
No | Seller CD not in file. |
2.23.2026 -Seller CD provided |
2.23.2026 -Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $76,691.75. AUS requires $0 reserves.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 12 years of history.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO midscore of 797 exceeds minimum of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 6 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA or CU score is no score. Clayton to order desk review |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $76,691.75. AUS requires $0 reserves.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 12 years of history.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO midscore of 797 exceeds minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | B | A | A | D | B | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry |
No | Seller CD not in file |
2.23.2026 -Seller CD provided |
2.23.2026 -Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 786 exceeds guideline minimum of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Low credit line usage
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post close assets: $421402 exceeds reserves requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | B | A | A | D | B | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review |
2/18/2026: CDA provided does not support appraised value. Field Review ordered |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 786 exceeds guideline minimum of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Low credit line usage
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post close assets: $421402 exceeds reserves requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | B | A | A | D | B | D | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 2/18/2026: Exception added after review of trailing docs: 2/18/2026: CDA provided does not support appraised value. Field Review ordered. |
3/9/2026: Received Field Review supporting value. |
3/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 786 exceeds guideline minimum of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Low credit line usage
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post close assets: $421402 exceeds reserves requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application |
No | List of homeowners counseling organizations not provided w/in 3 days of application |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 fico exceeds typical minimum 620 (no minimum for Fannie currently)
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below 90% maximum | |||||||||||||||||||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV = 84%. Max LTV = 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying Credit Score = 717. Minimum Allowable Credit Score = 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | H8 used on a lender to lender refinance- Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2 condition. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 730 is 110 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current job for 208 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $223,279.51/82.24 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 266 months. | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete |
No | Title Commitment in file doesn’t reflect the full coverage amount. |
2/25/2026: Received Final Title showing coverage meeting loan amount. |
2/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 730 is 110 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current job for 208 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $223,279.51/82.24 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 266 months. | |||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.45% is above the minimum program requirements of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 792 > 172 required guideline requirements of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.45% is above the minimum program requirements of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 792 > 172 required guideline requirements of 620 | |||||||||||||||||||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry |
No | Seller CD missing from file. |
2.23.2026 -Seller CD provided |
2.23.2026 - Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 159 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.84% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $179,019.87/49.87 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 20 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $165,625.17 exceed guideline requirement of $0
CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.96% LTV below maximum allowed rate/term LTV of 95%
CFCFS2860: Good credit history - Clayton Comments: Good credit history. 726 Median Credit Score, Oldest Trades 6/2005 & 6/1984 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 21 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements |
No | XXX XXX 11/9/25 statement is missing Other Credits and part of other debits. Page 1 cut off. |
2/23/2026: Received missing portion of statement. Was on prior month’s stmnt. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO Mid-score of 738 exceeds minimum FICO requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, b1 has 15 years 8 mos of employment at current employer.
CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reporting on credit report in 10 years.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: XXX retention bonus note on EOY paystubs for 2023, 2024 and YTD paystub dated 11/20/25. | |||||||||||||||||||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower using only 11% of available credit
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 Month payment history required, 64 months reported with no late payments
CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 80%, current LTV 72.65% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $48.236.61 (12.60 months PITIA reserves) > min required of $0
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 24 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 monthsMortgage debt: 0x30 x19 months | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 27 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required 68 months reported
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $21,970.89 or 5.73 months of PITI Required P&I required) Reserves are $0.00
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. UCDP score 2.8 |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17.083yrs tenure with current employer
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $94,062.95 exceed guideline requirement of $46,110.09
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 786 Median Credit Score, Oldest Trade 10/1998
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 16.92yrs tenure with current employer
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 45 consecutive months current mortgage payment history exceeds 24 month credit review | |||||||||||||||||||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Missing LE and COC, due to Zero Tolerance Fee. |
2.23.2026 - Missing LEs and COCs provided. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $89,296.58 exceed guideline required $18,432
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.16% LTV below maximum allowed per guidelines 80% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Missing LE and COC, due to Ten percent Tolerance Fee. |
2.23.2026 - Missing LEs and COCs provided. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $89,296.58 exceed guideline required $18,432
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.16% LTV below maximum allowed per guidelines 80% | |||||||||||||||||||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID3494 | TRID - Loan Estimate Missing |
No | Missing Loan Estimate. |
2.23.2026 - Missing LEs and COCs provided. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $89,296.58 exceed guideline required $18,432
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.16% LTV below maximum allowed per guidelines 80% | |||||||||||||||||||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. UCDP Fannie Mae score >2.5. Clayton to order desk review |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $89,296.58 exceed guideline required $18,432
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.16% LTV below maximum allowed per guidelines 80%
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing |
No | Provide proof of receipt of Initial CD dated XXX was issued at least 3 business days prior to closing date of XXX |
2.23.2026 - Disclosure tracking summary received. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV verified at 75%, below guideline minimum of 90%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0X30 mortgage history for the past 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 750, exceeds guideline min of 620 | |||||||||||||||||||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Closing date XXX. Initial CD issued XXX. No Confirmation of Receipt of receiving initial CD w/ proof of delivery min 3 days prior to consummation. |
2.23.2026 - Disclosure tracking summary received. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV verified at 75%, below guideline minimum of 90%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0X30 mortgage history for the past 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 750, exceeds guideline min of 620 | |||||||||||||||||||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Title missing from file. |
2/24/2026: Received Title Commt. |
2/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV verified at 75%, below guideline minimum of 90%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0X30 mortgage history for the past 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 750, exceeds guideline min of 620
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 32 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 38.59% is below the maximum guideline requirement by more than five percent.
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a lifetime good credit history.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing required documentation to support monthly income of $22,083.36. Per LP findings: Provide ether/ or: (a) current pay stub; (b) written VOE |
2/23/2026: Received 12/5/2025 paystub & 2024 W2s supporting income. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Departure residence: 0x30 x67 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $373,669.45 (115.55 months PITIA reserves) > min required reserves of $0.00
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with current employer for 11 years. | |||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Missing required documentation to support monthly income of $22,083.36. Per LP findings: Provide ether/ or: (a) current pay stub; (b) written VOE |
2/23/2026: Received 12/5/2025 paystub & 2024 W2s supporting income. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Departure residence: 0x30 x67 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $373,669.45 (115.55 months PITIA reserves) > min required reserves of $0.00
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with current employer for 11 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Departure residence: 0x30 x67 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $373,669.45 (115.55 months PITIA reserves) > min required reserves of $0.00
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with current employer for 11 years. | |||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Departure residence: 0x30 x67 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $373,669.45 (115.55 months PITIA reserves) > min required reserves of $0.00
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with current employer for 11 years. | |||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered |
No | Le delivered XXX e signed XXX , Initial CD delivered XXX e signed XXX. Need evidence that the LE was delivered and acknowledged before the CD was provided. |
2.23.2026 - Rebuttal states valid that the file contains both a revised LE and Initial CD XXX however the LE was generated in error and was not opened or viewed by borrower. Clayton disagrees due to bother docs are actually esigned by the borrower. 2.25.2026 - Rebuttal states “Could not locate signed LE” LE can be found on page 1254.2.25.2026 - Upon further review, LE not signed by borrower on CD was. Attestation states LE generated in error and not viewed by borrower. |
2.23.2026 - Exception remains. 2.25.26 - Exception remains.2.25.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower been self employed since 1993.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.72 is less than the max of 45. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | $930.10 Ten Percent Tolerance due to increase in Title Lenders Title Insurance from $1065.90 to $1996 on Final Cd without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
12.31.2025 - Correction to refund amount. Title Insurance was paid to servicer on provider list and listed in section B as not shopped. Correct refund amount due is $675.80.1.7.26 - Final ALTA provided updated cure amount is confirmed as $524.10. Please provided updated PCCD, LOX, proof of delivery and refund check in the amount of $524.10.1.14.2026 - Cure provided |
12.31.2025 - Exception remains1.7.26 - Exception remains1.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 717/minimum 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.47%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.98%/maximum 50% | |||||||||||||||||||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score > 2.5 Clayton to order desk review |
12/30/2025: Received CDA supporting value. |
12/30/2025: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 717/minimum 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.47%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.98%/maximum 50% | |||||||||||||||||||||||||||||||||||||
| 41 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 24 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 712. Minimum score 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 44 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | Loan is a lender-to- lender refinance: XXX. ROR H8 was used. ROR H9 is the correct document. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 729 exceeds the 620 required.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $33,677.72Required Reserves are $3,072.66 x 6 months = $ 18,435.96 | |||||||||||||||||||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 FICO score > min. requirement of 620
CFCFS5269: Minimal use of credit - Clayton Comments: 2.00% revolving credit utilization
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.11 years current job time | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 49 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | Compliance | Documentation | Active | B | B | B | B | CMPDOC2856 | TILA - Loan Originator information missing from Note. |
No | Note dated XXX in file is missing the loan originator information. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 317 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 734 is 114 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current for 222 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers has resided at current residence for 286 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 49 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | Property Valuations |
Potential Misrepresentation |
Satisfied | C | A | C | A | PRVAPMR1807 | Potential misrepresentation of property value |
No | Appraisal report in file dated XXX reflects an appraised value of $XXX , and DU, and 1003’s in file reflects a value of XXX. |
2/23/2026: Received updated DU #7 with correct appraised value. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 317 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 734 is 114 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current for 222 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers has resided at current residence for 286 months. | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Missing Employment and Income docs for B2 primary job with XXX. |
2/24/2026: Received WVOE dated XXX showing DOH 12/8/2025 and annual salary. |
2/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is 150 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months. | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC195 | Missing Note | No | Missing Note |
2/23/2026: Received Note. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is 150 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months.
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close |
No | Missing asset documentation for funds to close. |
2/23/2026: Received asset statement verifying $265,652.84 in eligible assets. Covers funds to close. No reserves required per DU. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is 150 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months. | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing B2 VVOE for current employer. |
2/24/2026: Received WVOE dated XXX for B2. Valid after Note date and prior to delivery to FNMA. |
2/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is 150 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months. | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation |
No | Missing B2 income documents for current employer XXX. |
2/24/2026: Received WVOE dated XXX showing DOH 12/8/2025 and annual salary. |
2/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is 150 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title |
No | Missing Title. |
2/23/2026: Received Title Commitment. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is 150 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months. | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is 150 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months. | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is 150 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 76 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 52 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | Per the title report, this is a same lender refinance. Form H8 was used, but form H9 should have been used. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4 years & 5 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 116 points above guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 17 points below guideline maximum. | |||||||||||||||||||||||||||||||||||||
| 53 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.56% is below the guideline maximum of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $851,412.27 (194.04 months PITIA reserves) > required reserves of $0 | |||||||||||||||||||||||||||||||||||||
| 53 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.56% is below the guideline maximum of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $851,412.27 (194.04 months PITIA reserves) > required reserves of $0
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 54 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry |
No | Seller CD in file is incomplete - Missing page 1. |
2.23.2026 -Seller CD provided |
2.23.2026 - Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 80%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have excess reserves when no reserves are required | |||||||||||||||||||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $261.12 due to (Points $261.12) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
2.23.2026 -COC provided |
2.23.2026 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.34 is below max 50%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years at current profession. | |||||||||||||||||||||||||||||||||||||
| 598 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits |
No | Documentation to source the $XXX deposit from XXX on 4/2/2025 is missing - XXX #XXX. |
2/11/2026: Received HUD1 showing net proceeds from sale of an REO. |
2/11/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 FICO score exceeds guidelines by 171 points
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Client has been at current position for over 13 years
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 35% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 598 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: No LCA score. Clayton to order desk review. |
11/12/2025: Received CDA supporting value. |
11/12/2025: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 FICO score exceeds guidelines by 171 points
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Client has been at current position for over 13 years
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 35% | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Provide AUS with property type as detached PUD. LP AUS recommendation to remain Streamlined Accept. |
12/1/2025: Received updated AUS. |
12/1/2025: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B2 has significant time in profession, 6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 741 FICO score. Minimum required 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x37 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Provide AUS with property type as detached PUD. LP AUS recommendation to remain Streamlined Accept. |
12/1/2025: Received updated LP with correct Property type. |
12/1/2025: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B2 has significant time in profession, 6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 741 FICO score. Minimum required 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x37 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Per title commitment Schedule BII there are CC&Rs and HOA Trust recorded with the County. for XXX Provide the PUD Rider and corrected Deed of Trust to include PUD Rider. |
2.11.2026 - Corrected DOT and PUD rider provided |
02.11.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B2 has significant time in profession, 6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 741 FICO score. Minimum required 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x37 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW Approved; Clayton to order BPO |
11/12/2025: Received BPO supporting value. |
11/12/2025: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B2 has significant time in profession, 6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 741 FICO score. Minimum required 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x37 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW Approved; Clayton to order BPO. |
11/12/2025: Received BPO supporting value. |
11/12/2025: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B2 has significant time in profession, 6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 741 FICO score. Minimum required 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x37 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 76 consecutive months mortgage payment history exceeds 24 month credit review
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $24,640.10 exceed guideline requirement of $0
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20.083yrs tenure with current employer
CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% LTV below guideline maximum of 80% (without MI) | |||||||||||||||||||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | Texas Home Equity |
Active | B | B | B | B | CMPTXHE308 | Voluntary Same- Lender Debt disclosure not provided to borrower |
No | Missing Voluntary Same- Lender Debt Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 718 is 98 points above minimum program requirement of 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have49 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 84 months. | |||||||||||||||||||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA score was not obtained. Clayton to order desk review. |
1/8/2026: CDA received reviewed appraisal from XXX purchase. Clayton to obtain correct CDA.1/13/2026: Received CDA supporting value. |
1/8/2026: Exception remains.1/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 718 is 98 points above minimum program requirement of 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have49 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 84 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 64 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10.75yrs reported tenure with current self-employed business
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog payment history. 802 Median Credit Score, Oldest Trade 9/1999
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 72 consecutive months mortgage payment history exceeds 24 month credit review. | |||||||||||||||||||||||||||||||||||||
| 64 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10.75yrs reported tenure with current self-employed business
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog payment history. 802 Median Credit Score, Oldest Trade 9/1999
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 72 consecutive months mortgage payment history exceeds 24 month credit review. | |||||||||||||||||||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% |
No | Clayton approval at 48.98% DTI. Note: used most recent tax bill for subject taxes and 1% for all student loan calculation payments increasing DTI from Lender approved 43.941%. This is a difference of 5.04%. Clayton minor increase in bonus income average for B1. Lender used 0.5% for deferred student loans as payment. FNMA requires either 1% or fully amortized payment. (FHLMC allows 0.5% payment for deferred student loans.) |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 2.67yrs tenure with current employer
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close Assets are $14,857.69or 3.85 mths of PITI $3859.13 exceed guideline requirement of $0
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 707 Median Credit Score. Oldest Trade 2/2017
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved with PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 2.67yrs tenure with current employer
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close Assets are $14,857.69or 3.85 mths of PITI $3859.13 exceed guideline requirement of $0
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 707 Median Credit Score. Oldest Trade 2/2017 | |||||||||||||||||||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan approved with PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 2.67yrs tenure with current employer
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close Assets are $14,857.69or 3.85 mths of PITI $3859.13 exceed guideline requirement of $0
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 707 Median Credit Score. Oldest Trade 2/2017 | |||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | H( Form needed for Refinance With Original Creditor |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 796. Minimum score require 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $11,314.59 or 2.01 months PITI reserves. No reserves required
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order a Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 796. Minimum score require 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $11,314.59 or 2.01 months PITI reserves. No reserves required | |||||||||||||||||||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | Texas Home Equity |
Active | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement |
No | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 158 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.62% is below the guideline minimum of 45%. | |||||||||||||||||||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score > 2.5. Clayton to order desk review. |
1/13/2026: Received CDA supporting value. |
1/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 158 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.62% is below the guideline minimum of 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score was not provided. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $774,500.71 or 318 months of PITIA > min required reserves of $0
CFCFS2854: Significant time in profession - Clayton Comments: 25 years in profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score exceed guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 FICO score exceeds guideline min. of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 23 years at current job
CFCFS1737: LTV below guideline requirements - Clayton Comments: 61% LTV Max LTV 97% | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Need evidence of change of circumstances letter for Ten Percent tolerance, recording fee fee by $37.30 increase, or a copy of a refund check in the amount of $24.79 |
2.27.2026 -Cure provided |
2.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: HCLTV 56.09% below maximum allowed 80% LTV
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8.67yrs tenure with current employer | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/23/2026: CDA received reviewed appraisal from XXX purchase with $XXX value. Provide CDA review for current appraisal XXX with $XXX value.3/2/2026: Received correct CDA supporting $XXX value. |
2/23/2026: Exception remains.3/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: HCLTV 56.09% below maximum allowed 80% LTV
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8.67yrs tenure with current employer | |||||||||||||||||||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $20,202.59, max allowed is $15,057.54; $5,145.05 too high). |
2/23/2026: Received docs to verify bonafide fee for discount points. Once entered, Clayton verified Safe Harbor. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 786 exceeds guidelines.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.02 is below guideline requirement max of 95.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.28 is below guideline requirement max of 45. | |||||||||||||||||||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file |
No | Missing Home Counseling Organizations |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 786 exceeds guidelines.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.02 is below guideline requirement max of 95.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.28 is below guideline requirement max of 45. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 786 exceeds guidelines.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.02 is below guideline requirement max of 95.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.28 is below guideline requirement max of 45. | |||||||||||||||||||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 786 exceeds guidelines.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.02 is below guideline requirement max of 95.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.28 is below guideline requirement max of 45. | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | APR Tolerance |
Satisfied | B | A | B | A | CMPAPRT110 | APR - Insufficient Information for APR- Payment Stream Testing |
No | Unable to determine do to missing MI cert. Additional exceptions may apply once reviewed. |
2.23.2026 - MI Cert received |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The Co-Borrower has been with the same employer for 8 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $24,337.90 or 4.10 months of PITI. Required Reserves $3456
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 791, minimum required by G/L is 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Mortgage Insurance required but MI Certificate is missing |
2.23.2026 - MI Cert received |
2.23.2026 - Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The Co-Borrower has been with the same employer for 8 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $24,337.90 or 4.10 months of PITI. Required Reserves $3456
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 791, minimum required by G/L is 620 | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing |
No | Loan file contains CD XXX , Missing Initial CD dated 3 days prior to XXX |
2.23.2026 - Initial CD received. |
2.23.2026 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The Co-Borrower has been with the same employer for 8 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $24,337.90 or 4.10 months of PITI. Required Reserves $3456
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 791, minimum required by G/L is 620 | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Loan file contains CD XXX , Missing Initial CD dated 3 days prior to XXX |
2.23.2026 - Initial CD received. |
2.23.2026 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The Co-Borrower has been with the same employer for 8 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $24,337.90 or 4.10 months of PITI. Required Reserves $3456
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 791, minimum required by G/L is 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID5067 | TRID - CD: Mortgage Insurance is present in Projected Payments but is not indicated in Loan Disclosures as included for Escrowed or Non- Escrowed Property Costs |
No | Section states see additional page, Additional page is missing from file, please provide for review. Additional exceptions may apply once reviewed. |
2.23.2026 - All pages to CD received |
2.23.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The Co-Borrower has been with the same employer for 8 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $24,337.90 or 4.10 months of PITI. Required Reserves $3456
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 791, minimum required by G/L is 620 | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The Co-Borrower has been with the same employer for 8 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $24,337.90 or 4.10 months of PITI. Required Reserves $3456
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 791, minimum required by G/L is 620 | |||||||||||||||||||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Missing updated valuation. Loan Approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32% DTI, Max DTI 45
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $21285.86 or 10.43 months of PITIA > min required reserves of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan Approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32% DTI, Max DTI 45
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $21285.86 or 10.43 months of PITIA > min required reserves of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 83 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $82,174.25 or 31.12 months PITI reserves. No reserves required
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.86%. Max 95%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 788. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32 % DTI, max DTI 45
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $90001.17 or 25.52 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32 % DTI, max DTI 45
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $90001.17 or 25.52 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 88 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 7.13 months PITIA vs 0 months reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779 is 159 points above the 620 required. | |||||||||||||||||||||||||||||||||||||
| 88 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 7.13 months PITIA vs 0 months reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779 is 159 points above the 620 required. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 93 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | C | C | A | A | C | C | A | A | Property Valuations |
Appraisal | Active | C | C | C | C | PRVAAPPR4789 | Appraisal Deficiency |
Yes | Missing the appraisal showing as a PUD and include HOA dues |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 775. Minimum required 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75.67%. Max 95% | |||||||||||||||||||||||||||||||||||||
| 93 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | C | C | A | A | C | C | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 775. Minimum required 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75.67%. Max 95% | |||||||||||||||||||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation to support original appraised value |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 16 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min fico score is 620 borrower’s represented score is 747 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 credit score exceed minimum standard of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 4 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.48% DTI is below standard maximum of 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | GA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower on same job for 21 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 774 is 154 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 404 months. | |||||||||||||||||||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | GA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower on same job for 21 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 774 is 154 points above minimum program requirement of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 404 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $25,962.33 or 4.95 months PITI reserves. No reserves required
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been XXX over 17 years
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 18 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 737 Minimum score required 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 69.69%. Max 95% | |||||||||||||||||||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $6,32.014, 2.21 months, 0 months required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 720 is 100 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $6,32.014, 2.21 months, 0 months required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 720 is 100 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Need evidence of change of circumstances letter for Zero tolerance, (discount %) increase, or a copy of a refund check in the amount of $5102.16 |
2.23.2026 - COC provided |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 15 months positive mortgage payment exceeds 12 months the minimum required per lender guidelines
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 756 exceeds 620 the minimum required per lender guidelines
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.09% is below 80.00% the maximum allowable per lender guidelines
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years, 3 months’ time in the same profession | |||||||||||||||||||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 15 months positive mortgage payment exceeds 12 months the minimum required per lender guidelines
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 756 exceeds 620 the minimum required per lender guidelines
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.09% is below 80.00% the maximum allowable per lender guidelines
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years, 3 months’ time in the same profession | |||||||||||||||||||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation: CU score not provided. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 733 exceeds guidelines with a minimum credit score of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 26 years.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history exceeds guidelines with no late payments in the past 2 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 106 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 755. Minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 77.7%. Max 95%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing asset $37,177.67 or 18.334 months PITI reserves. No reserves required | |||||||||||||||||||||||||||||||||||||
| 106 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 755. Minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 77.7%. Max 95%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing asset $37,177.67 or 18.334 months PITI reserves. No reserves required | |||||||||||||||||||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.66% LTV is below the standard maximum of 75%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 credit score exceeds minimum standard of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been self-employed for 9 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 108 | XXXXXX | XXXXXX | NC | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/ Guidelines |
Active | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines |
No | PCCD has borrower cash in hand at $4550; max allowed is $2000.00 |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 57 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 757 is 137 points above minimum program requirement of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 176 months. | |||||||||||||||||||||||||||||||||||||
| 108 | XXXXXX | XXXXXX | NC | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | A | A | B | B | B | B | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU score not established. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 57 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 757 is 137 points above minimum program requirement of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 176 months. | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 748 is > the minimum credit score of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the subject property for 6 years and 1 month. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.27% is < the maximum DTI of 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO Provided does not support value. 2055 to be ordered. |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 155 points above guideline minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 11 years & 4 months at current job
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 15 years & 7 months at current job | |||||||||||||||||||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO Provided does not support value. 2055 to be ordered. |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 155 points above guideline minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 11 years & 4 months at current job
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 15 years & 7 months at current job | |||||||||||||||||||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO Provided does not support value. 2055 to be ordered. |
2/18/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 155 points above guideline minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 11 years & 4 months at current job
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 15 years & 7 months at current job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19 years on current job
CFCFS2860: Good credit history - Clayton Comments: The total LTV is 80% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing proof the mortgage with XXX/ XXX includes taxes and insurance |
2/23/2026: Received docs to verify REO is a timeshare. Maintenance fees include Taxes & HOI. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 750. Minimum required 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 15 years | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP |
No | Missing the UCDP reports showing Fannie Mae score of 1.2 per DU findings. |
2/11/2026: Received FNMA UCDP 1.2. |
2/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 750. Minimum required 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 15 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 119 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | C | B | C | A | B | B | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | The loan file is missing the final VVOE for B2. |
2/23/2026: Received XXX VVOE. Good through XXX. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower middle credit score of 783 which is 163 points above guideline minimum of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The borrower has 0x30x84 for consumer credit history which exceeds the minimum guideline a of 12 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The borrower has 0x30x52 mortgage history which exceed the minimum guideline of 12 months. | |||||||||||||||||||||||||||||||||||||
| 119 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | C | B | C | A | B | B | A | A | Property Valuations |
Appraisal | Active | B | B | B | B | PRVAAPPR173 | Comp Photos Unacceptable |
No | The appraisal report dated XXX is missing photo of comp 3. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower middle credit score of 783 which is 163 points above guideline minimum of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The borrower has 0x30x84 for consumer credit history which exceeds the minimum guideline a of 12 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The borrower has 0x30x52 mortgage history which exceed the minimum guideline of 12 months. | |||||||||||||||||||||||||||||||||||||
| 119 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | C | B | C | A | B | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower middle credit score of 783 which is 163 points above guideline minimum of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The borrower has 0x30x84 for consumer credit history which exceeds the minimum guideline a of 12 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The borrower has 0x30x52 mortgage history which exceed the minimum guideline of 12 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP provided. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 exceeds min 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.36% is below max 45%.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 24 years at current residence. | |||||||||||||||||||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Final AUS findings provided dated XXX do not include monthly HELOC payment amt. of $1,208. Provide updated AUS run w/ monthly payment added. AUS DTI is 17.65%. Clayton verified 21.73%, exceeding 3% tolerance allowed. |
2/27/2026: Received updated DU #8 run XXX, and 1008 & 1003. |
2/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been on the job for 29 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min. credit score requirement 620 the borrower’s credit score is 795 | |||||||||||||||||||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score > 2.5. Clayton to order desk review |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been on the job for 29 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min. credit score requirement 620 the borrower’s credit score is 795 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender status Safe Harbor but Clayton status Non-QM due to violation of Higher Priced Threshold with Test APR of 6.847%, BenchmarkRate 6.230% Benchmark/ APR Variance 0.617% and Rate Spread Trigger 1.50%. |
2.23.2026 - COGS invoice provided and fee data points updated. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have38 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 715 is 95 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Lender status Safe Harbor but Clayton status Non-QM due to violation of Higher Priced Threshold with Test APR of 6.847%, BenchmarkRate 6.230% Benchmark/ APR Variance 0.617% and Rate Spread Trigger 1.50%. |
2.23.2026 - COGS invoice provided and fee data points updated. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have38 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 715 is 95 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have38 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 715 is 95 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | PIW approved loan. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19.7 years current job time
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 701 > min. requirement of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has maintained current employment for more than 10 years. | |||||||||||||||||||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Clayton verified Non-QM due to fees exceeding 3%. |
2.23.2026 - COGS invoice provided and fee data points updated. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Assets are $6423.26 or 3.90 mths of PITI $1646.99 exceed guideline requirement of $0
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 80 consecutive months mortgage payment history exceeds 24 month credit review
CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.77% DTI below maximum allowed DTI of 45%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.36% LTV below maximum allowed LTV of 80% per guidelines | |||||||||||||||||||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Clayton verified Non-QM due to fees exceeding 3%. |
2.23.2026 - COGS invoice provided and fee data points updated. |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Assets are $6423.26 or 3.90 mths of PITI $1646.99 exceed guideline requirement of $0
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 80 consecutive months mortgage payment history exceeds 24 month credit review
CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.77% DTI below maximum allowed DTI of 45%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.36% LTV below maximum allowed LTV of 80% per guidelines | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU/LCA returned no score due to property type. Clayton to order Desk Review. |
3/4/2026: Desk review received supports appraised value. |
3/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Assets are $6423.26 or 3.90 mths of PITI $1646.99 exceed guideline requirement of $0
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 80 consecutive months mortgage payment history exceeds 24 month credit review
CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.77% DTI below maximum allowed DTI of 45%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.36% LTV below maximum allowed LTV of 80% per guidelines | |||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 FICO score > min. requirement of 620
CFCFS2854: Significant time in profession - Clayton Comments: 20 years in same line of work/profession
CFCFS5269: Minimal use of credit - Clayton Comments: 24% revolving credit utilization
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8.3 years current job time | |||||||||||||||||||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received Ext 2055 supporting value. |
2/18/2026 Exception Remains.3/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 152 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.80%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59%; guidelines allow 97%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.02% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $30,091.48/13.03 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 280 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 820 is 200 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received Ext 2055 supporting value. |
2/18/2026: Exception Remains.3/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 152 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.80%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59%; guidelines allow 97%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.02% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $30,091.48/13.03 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 280 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 820 is 200 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | Loan is PIW approved. Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received Ext 2055 supporting value. |
2/18/2026 Exception Remains.3/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 152 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.80%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59%; guidelines allow 97%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.02% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $30,091.48/13.03 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 280 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 820 is 200 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 141 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP |
No | File is missing UCDP documents. |
2/11/2026: Received FNMA UCDP CU score 2.0. |
2/11/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 740 is 120 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.97%; guidelines allow 97%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed at current job for 235 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file |
No | List of homeowners counseling organizations not in file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 781 exceeds minimum credit score by more than 50 points
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history has been paid 0 x 30 for the lifetime of their history.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV of 67.31 is lower than maximum guideline requirement by more than 10 points. | |||||||||||||||||||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation to support appraised value |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 781 exceeds minimum credit score by more than 50 points
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history has been paid 0 x 30 for the lifetime of their history.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV of 67.31 is lower than maximum guideline requirement by more than 10 points. | |||||||||||||||||||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Missing initial CD, only the final CD was in the file. |
2.23.2026 - ICD received |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $23,855.06 or 8.57 months of PITIA reserves > min required reserves of $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: 23% DTI, max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Missing updated valuation. Loan Approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $23,855.06 or 8.57 months of PITIA reserves > min required reserves of $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: 23% DTI, max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan Approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $23,855.06 or 8.57 months of PITIA reserves > min required reserves of $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: 23% DTI, max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 21years in the same profession
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.90% is below 50.00% the maximum allowable per lender guidelines
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 84 months mortgage payment history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amount of $12,749 exceeds $0.00 the amount required per lender guidelines | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 21years in the same profession
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.90% is below 50.00% the maximum allowable per lender guidelines
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 84 months mortgage payment history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amount of $12,749 exceeds $0.00 the amount required per lender guidelines | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved loan. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI = 25.17%. Max DTI = 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying Credit Score = 724. Minimum Allowable Credit Score = 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV = 72%. Max LTV =95%. | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI = 25.17%. Max DTI = 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying Credit Score = 724. Minimum Allowable Credit Score = 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV = 72%. Max LTV =95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 152 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at current job | |||||||||||||||||||||||||||||||||||||
| 152 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at current job | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been working for the same employer for 8 years.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reporting to credit is positive.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 FICO score > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Clayton ATR/QM status pending for: Missing proof taxes/ins/ HOA dues for other REO. Required for DTI purposes. |
2/11/2026: Received all required docs for PITI for both REOs. |
2/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 10.00% revolving credit utilization
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of 803 > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing proof taxes/ins. HOA for the following properties: XXX and XXX |
2/11/2026: Received all required docs for PITI for both REOs. |
2/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 10.00% revolving credit utilization
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of 803 > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Provide updated AUS run showing required funds to close as per final CD in the amt. of $2,335.15. AUS provided dated XXX approved with required funds to close in the amt. of $362.31. |
2/27/2026: Received updated DU #6 run XXX, updated 1008 & 1003. |
2/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 10.00% revolving credit utilization
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of 803 > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved loan. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 10.00% revolving credit utilization
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of 803 > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 10.00% revolving credit utilization
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of 803 > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 165 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated Valuation: Clayton to order desk review |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified mid score 758, with exceeds guideline min of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 70% is below guideline Max of 95%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $79395.36 exceeds AUS required reserves of $0.00 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided does not support appraised value |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 is less than the max of 95.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32 is less than the max of 45. | |||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved BPO. Clayton to order BPO. |
2/18/2026 BPO Provided does not support value. 2055 to be ordered |
2/18/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 is less than the max of 95.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32 is less than the max of 45. | |||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 2/23/2026: Exception added after review of trailing docs: 2/18/2026 BPO Provided does not support value. Clayton to order 2055 Report. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 is less than the max of 95.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32 is less than the max of 45. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 169 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35% DTI, max DTI 45%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 56% LTV, max LTV 95%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP provided. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has maintained a positive 0 x 30 mortgage payment history.
CFCFS2860: Good credit history - Clayton Comments: Borrowers have an overall positive credit history with no historical delinquencies.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.73% was less than the maximum requirement by more than 10 points. | |||||||||||||||||||||||||||||||||||||
| 174 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is missing. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio: 5.03%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.78% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 786 is 166 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $197,917.75/46.48 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 233 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing CU/ LCA, Desk review to be order by Clayton |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $14,258.83 or 2.58 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27% DTI max DTI 45% | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC2698 | Missing required mortgage insurance certificate |
No | Missing MI Cert. |
2.23.2026 - MI Cert received |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 4 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $149,422.41 or 43.59 months PITI reserves. No reserves required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 720. Minimum score 620 | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Need evidence of change of circumstances letter for Zero tolerance, (Lender’s Insurance ) increase, or a copy of a refund check in the amount of $1.13, due to increase legal limited by 3.37 and there is a different still. |
2.23.2026 -Cure provided |
2.23.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 4 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $149,422.41 or 43.59 months PITI reserves. No reserves required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 720. Minimum score 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 4 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $149,422.41 or 43.59 months PITI reserves. No reserves required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 720. Minimum score 620 | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 790 Median Credit Score, 7/2013 Oldest Trade
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Additional documented bonus income not used in qualifying.Paystub Bonus $16,889+WVOE 2024 $7404.12/24=$1012.21 per month
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.74% below 45% maximum DTI guideline.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $120,434.30 exceed guideline requirement of $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU risk score report was not provided. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available credit lines @ 4.8%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 815 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets- $84,325.80; reserves required $0.00 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 741 is 121 points above program minimum requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.02% is below the guideline minimum of 45% | |||||||||||||||||||||||||||||||||||||
| 185 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP provided. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 20.41% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 752 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 192 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 25.34 guideline maximum 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 747, exceeds guidelines minimum of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 192 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 25.34 guideline maximum 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 747, exceeds guidelines minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $450.34 for ten percent tolerance fees.Title Endorsement fee increased on the CD dated XXX and the Lender’s Title Insurance increased on the CD dated XXX. Because these fees were listed in Section B and paid to the provider on the SPL, they were tested at a 10% tolerance. |
2.27.2026 - Cure provided |
2.27.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No credit lates report on credit report history of 19 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO score of 772 exceeds minimum credit score of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Back End DTI of 29.16 is less than max DTI of 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE, employed since 7/5/06. 19 years. | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No credit lates report on credit report history of 19 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO score of 772 exceeds minimum credit score of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Back End DTI of 29.16 is less than max DTI of 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE, employed since 7/5/06. 19 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No credit lates report on credit report history of 19 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO score of 772 exceeds minimum credit score of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Back End DTI of 29.16 is less than max DTI of 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE, employed since 7/5/06. 19 years. | |||||||||||||||||||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing CU/LCA, Desk review required to confirm valuation |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 fico score exceeds guidelines 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $48013.47 or 10.47 months of P&I | |||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $301,639.82/99.60 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 247 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.56% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.45%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $301,639.82/99.60 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 247 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.56% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.45%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Missig updated valuation. Loan Approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $130,120.57 or 39.12 months of PITIA > min required reserves of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22 % DTI max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missig updated valuation. Loan Approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $130,120.57 or 39.12 months of PITIA > min required reserves of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22 % DTI max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 208 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 FICO score > min. requirement of 620
CFCFS5269: Minimal use of credit - Clayton Comments: 4.00% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 208 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 FICO score > min. requirement of 620
CFCFS5269: Minimal use of credit - Clayton Comments: 4.00% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments
CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 95%, current LTV 73.33%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $9,259.23 or 2.10 months of PITI Required PITI Reserves are $0.00 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing |
No | Only CD in file is dated XXX and signed XXX. Please provide initial CD dated 3 days prior to consummation date of XXX |
2.24.2026 - ICD received |
2.24.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments
CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 95%, current LTV 73.33%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $9,259.23 or 2.10 months of PITI Required PITI Reserves are $0.00 | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Only CD in file is dated XXX and signed XXX. Please provide initial CD dated 3 days prior to consummation date of XXX |
2.24.2026 - ICD received |
2.24.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments
CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 95%, current LTV 73.33%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $9,259.23 or 2.10 months of PITI Required PITI Reserves are $0.00 | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Subject loan amount $XXX closing date of XXX HOI coverage in file $XXX. (There also is a renewal dec page for XXX-XXX with $XXX coverage, also insufficient). |
2/23/2026: Received RCE. HOI has sufficient coverage. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments
CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 95%, current LTV 73.33%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $9,259.23 or 2.10 months of PITI Required PITI Reserves are $0.00 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments
CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 95%, current LTV 73.33%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $9,259.23 or 2.10 months of PITI Required PITI Reserves are $0.00 | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments
CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 95%, current LTV 73.33%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $9,259.23 or 2.10 months of PITI Required PITI Reserves are $0.00 | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $1491.88 Zero Tolerance to increase in Discount points from $302 to $1793.88 without a valid CoC. Requires corrected PCCD, copy of refund check, LOX and verification of shipping. |
2.23.2026 - Missing COC and LE received |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $1,126.47 due to Discount Fee increased from CD:XXX to CD:XXX-1. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
2.23.2026 -COC provided |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 9 years 11 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of807 exceeds minimum guideline of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered 3/5/2026: 2055 received supports appraised value |
02/18/2026: Exception Remains 3/5/2026: 2055 received supports appraised value |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 9 years 11 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of807 exceeds minimum guideline of 620. | |||||||||||||||||||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered 3/5/2026: 2055 received supports appraised value |
02/18/2026: Exception Remains 3/5/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 9 years 11 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of807 exceeds minimum guideline of 620. | |||||||||||||||||||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | PIW approved, Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered |
02/18/2026: Exception Remains |
Not Applicable |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 9 years 11 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of807 exceeds minimum guideline of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing verbal verification of employment within 10 days of note date. Alt doc options - all expired at the latest 12/19/2025. Loan closed XXX |
2/23/2026: Received VVOE - still active. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $11,625.90. Required reserves $0.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30x84. | |||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $11,625.90. Required reserves $0.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30x84. | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Credit | Income/ Employment |
Active | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/ funding |
No | Note date:XXX VVOE dated XXX. Last paystub provided dated 12/5/25. Last direct deposit noted on bank statement 12/19/25. 10 business days from note date is XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 15 years reporting on credit report.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 761 exceeds minimum of 620.
CFCFS2860: Good credit history - Clayton Comments: No late payments report on credit report over 19 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received 2055 Ext Report supporting value. |
2/18/2026: Exception Remains.3/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 15 years reporting on credit report.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 761 exceeds minimum of 620.
CFCFS2860: Good credit history - Clayton Comments: No late payments report on credit report over 19 years. | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received 2055 Ext Report supporting value. |
02/18/2026 Exception Remains.3/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 15 years reporting on credit report.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 761 exceeds minimum of 620.
CFCFS2860: Good credit history - Clayton Comments: No late payments report on credit report over 19 years. | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | Loan approved with PIW. Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received 2055 Ext Report supporting value. |
2/18/2026: Exception Remains.3/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 15 years reporting on credit report.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 761 exceeds minimum of 620.
CFCFS2860: Good credit history - Clayton Comments: No late payments report on credit report over 19 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 779 is 159 points above minimum program requirement of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 83 months mortgage payment history 0x30.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 266 months. | |||||||||||||||||||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 779 is 159 points above minimum program requirement of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 83 months mortgage payment history 0x30.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 266 months. | |||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $33407.39 or 5.73 months of P&I
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6 years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $33407.39 or 5.73 months of P&I
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6 years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 10.35%. Max DTI is 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 810 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/ Employment |
Active | B | B | B | B | CRDINC152 | Missing verbal VOE required by guidelines |
No | The VOE in file completed by the lender loan specialist does not specify the borrower’s employment start date. 2024 & 2023 W2s provided are from different employers. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x24x30 mortgage payment history
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.53% DTI is below program max of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO exceeds program min by > 20 points | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | A | A | B | B | B | B | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score is > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x24x30 mortgage payment history
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.53% DTI is below program max of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO exceeds program min by > 20 points | |||||||||||||||||||||||||||||||||||||
| 229 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | RESPA: Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $195,920.67 exceed guideline required $0
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 consecutive months current payment history exceeds 24 month credit review
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 6.33yrs tenure with current employer
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 775 Median Credit Score, Oldest Tradeline 2/2009 on credit report | |||||||||||||||||||||||||||||||||||||
| 229 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: Fannie Mae score is >2.5. Clayton to order deskreview. Freddie Mac UDCP - No Score |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $195,920.67 exceed guideline required $0
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 consecutive months current payment history exceeds 24 month credit review
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 6.33yrs tenure with current employer
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 775 Median Credit Score, Oldest Tradeline 2/2009 on credit report | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 600 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed “Subject To” w/o Completion Cert in File |
No | Missing Appraisal completion report. |
2/11/2026: Received Final Inspection, 100% complete. |
2/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $474,800.64/151.87mo PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score is over 2.5. Clayton to order desk review |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.85% DTI is below guideline maximum of 45% | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 785 is 165 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $26,537.23. LP requires $0. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 fico exceeds 620 typical conventional minimum fico (Fannie has no current minimum)
CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.41% LTV is below maximum allowable of 90% LTV
CFCFS2860: Good credit history - Clayton Comments: 0x30 / no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 fico exceeds 620 typical conventional minimum fico (Fannie has no current minimum)
CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.41% LTV is below maximum allowable of 90% LTV
CFCFS2860: Good credit history - Clayton Comments: 0x30 / no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 597 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved with a PIW. Clayton to order BPO. |
1/13/2026: Received BPO supporting value. |
1/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $$64,530.79 or 23.84 PITIA > min required reserves of $0.00
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 48 months mortgage 0X30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments | Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 597 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan approved with a PIW. Clayton to order BPO. |
1/13/2026: Received BPO supporting value. |
1/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $$64,530.79 or 23.84 PITIA > min required reserves of $0.00
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 48 months mortgage 0X30. | |||||||||||||||||||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing HUD from sale of departure residence at XXX reflecting approx net proceeds of $XXX |
2/23/2026: Verified $151,742.36 in net proceeds. Covers funds to close. No reserves required. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.33% DTI: Guidelines allow up to 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22 years with current employer, 30 years in industry.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 16 years with current employer, 27 years in industry.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 FICO exceeds min. requirement of 620
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | File has DU #3 run XXX. The only 1008 in the file shows LP was used Key #XXX. Provide verification which AUS was used. Additional conditions will apply if LP was used - LCA score could not be returned, will require a desk review. TBD. |
2/25/2026: Received 1008 showing DU is the AUS used. 36.83% DTI, within tolerance of Clayton verified 36.63%. |
2/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 189 points above guideline minimum of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years & 5 months at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5 years & 9 months at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 8 points below guideline maximum. | |||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $18,703.70 or 6.32 PITIA
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 723 is 103 points above minimum program requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing proof of no HOA dues for property located at: XXX. Required for DTI purposes. |
2/23/2026: Lender verified no HOA dues to do age and area of home. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 16.4 years current residence time
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO score > min. requirement of 620
CFCFS2854: Significant time in profession - Clayton Comments: CB has 14 years in same line of work/profession | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 249 | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Missing updated valuation. PIW approved loan. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 16.4 years current residence time
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO score > min. requirement of 620
CFCFS2854: Significant time in profession - Clayton Comments: CB has 14 years in same line of work/profession | |||||||||||||||||||||||||||||||||||||
| 249 | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. PIW approved loan. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 16.4 years current residence time
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO score > min. requirement of 620
CFCFS2854: Significant time in profession - Clayton Comments: CB has 14 years in same line of work/profession | |||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance |
No | Initial CD XXX the APR is 6.2 and the Final CD the APR is 6.611, difference of 0.411% exceeds tolerance of 0.125%. Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance |
2.24.2026 - Missing CD received |
2.24.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 750 exceeds minimum required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $17,099.98 exceed required of $14,760.66.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30,0x60,0x90 with 14 months reviewed on current mortgage and 16 + 17 months on two prior mortgage accounts.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 6 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is not obtained. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 750 exceeds minimum required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $17,099.98 exceed required of $14,760.66.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30,0x60,0x90 with 14 months reviewed on current mortgage and 16 + 17 months on two prior mortgage accounts.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 6 years. | |||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
2/23/2026: Received Safe Harbor determination. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 4.12%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 is 194 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $35,304.04/13.88 PITIA which is > guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.43% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at current job for 17 years and 9 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job 19 years and 11 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified FICO 789 score. Minimum required 620.
| ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 80% below guideline max of 90%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Excellent mortgage history 0X30 in past 12 months
CFCFS5269: Minimal use of credit - Clayton Comments: Low credit line usage | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
2/23/2026: Received Safe Harbor determination. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 786 exceed guidelines minimum of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower credit ratio is < 17%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has no late payments on credit report in 86 months reviewed | |||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 786 exceed guidelines minimum of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower credit ratio is < 17%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has no late payments on credit report in 86 months reviewed | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 786 exceed guidelines minimum of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower credit ratio is < 17%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has no late payments on credit report in 86 months reviewed | |||||||||||||||||||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | Missing the selected check mark on either box. |
3.6.2026 - PCCD received |
3.6.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 33 years.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years, 10 months. | |||||||||||||||||||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | A | A | C | B | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Lender 1008 shows 25.29% DTI. LP #5, latest in the file shows DTI 11%. Clayton verified 15.73%. Lender to verify the final DTI used and LP used. As of now Clayton DTI is outside 3% tolerance of latest LP in the file. |
2/23/2026: Received lender income worksheets. Still need the most current LP was used and lender verified final DTI to verify within 3% tolerance allowed. Lender asked for our income total and total monthly debt verified. Verified $28,193.88/mo income, $4,434.76 total monthly debt.3/6/2026: Received LP #8 showing 14% DTI, within tolerance. |
2/23/2026: Exception remains.3/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 33 years.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years, 10 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | A | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 33 years.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years, 10 months. | |||||||||||||||||||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have significant time at current residence with 8.3 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments reported in the past 10 years or more.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 14.4 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 263 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been working for the same employer for 5 years.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 25 mos. mtg. payment hist. 0X30,60,90 days. Paid as agreed
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO score > min. requirement of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 786 exceeds minimum required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $20,409.23 exceed $0.00 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.32 % is below Guidelines 45% maximum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.08% is below Guidelines 95% maximum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-borrower has OT and bonus income not used to qualify
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 737 exceeds guideline minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has worked for Employer Sofos Realty since 2019
CFCFS2860: Good credit history - Clayton Comments: No late payments on credit report in 303 month history | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level 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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 269 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 9 years 3 months.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30x86. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | Ability to Repay/ Qualified Mortgage |
Active | C | C | C | C | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
Yes | 2/23/2026: Exception fired after review of trailing docs. Clayton verified non-QM due to fees exceeding 3% allowed. Clayton verified 3.842% fees after bonafide fee applied. |
2.27.2026 - Per legal discrepancy appears to be the report provided it looks like the Rate Lock extensions fee is not inlcluded and should be. |
2.27.2026 - Exception remains |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 13 years on current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have excess reserves while no reserves are required | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | Ability to Repay/ Qualified Mortgage |
Active | C | C | C | C | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
Yes | 2/23/2026: Exception fired after review of trailing docs. Clayton verified non-QM due to fees exceeding 3% allowed. Clayton verified 3.842% fees after bonafide fee applied. |
2.27.2026 - Per legal discrepancy appears to be the report provided it looks like the Rate Lock extensions fee is not inlcluded and should be. |
2.27.2026 - Exception remains |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 13 years on current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have excess reserves while no reserves are required | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level 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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | Finance Charge Tolerance |
Satisfied | A | B | A | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
No | Upon receipt of trailing docs Finance charges are understated by -$1862.25. MI cert reflects MI payment of $109.63 however CD XXX Projected payments reflect $80.75. |
2.27.2026 -Corrected MI cert received |
2.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 13 years on current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have excess reserves while no reserves are required | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant |
No | List of homeowners counseling organizations is not compliant. Missing first page of homeowners counseling organizations and numbers 1 & 2 out of the 10 of the homeowners counseling organizations. Please provide. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 13 years on current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have excess reserves while no reserves are required | |||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete |
No | Prelim title in file doesn’t reflect coverage amount and the insured. |
2/23/2026: Received Final Title & Commt showing sufficient coverage & insured. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 is 164 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 282 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.47% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 277 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | The Final CD XXX does not have the disclosure section marked as to You declined it and/or Your lender does not offer one Non- numeric clerical error cure: LOX and post- consummation CD within 60 days of consummation. |
2.25.2026 - LOX and Corrected CD provided. |
2.25.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have no late payments in credit history
CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI 24.34 / 25.50
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 725 exceed guidelines minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 277 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have no late payments in credit history
CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI 24.34 / 25.50
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 725 exceed guidelines minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 277 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have no late payments in credit history
CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI 24.34 / 25.50
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 725 exceed guidelines minimum of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 279 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $62,139.45 or 11.55 PITIA
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 806 is 186 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $700,526.45 or 141.63 PITIA
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 159 points above minimum program requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | H8 used on a lender to lender refinance- Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as a level 2 condition. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 2/20/2007
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 754 exceeds the 620 required. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 283 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score: 743 exceeds minimum guideline of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves: $200,850.25, reserves required per AUS $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 14.29 , is below the maximum guideline DTI of 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has no late payments in 108 months reviewed on credit report
CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI, 26.346 / 39.028
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 777 exceed guidelines minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 288 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 803 / 781 exceed guidelines minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years 11 months with Employer
CFCFS2860: Good credit history - Clayton Comments: Good credit history - No late payments in 254 months of credit review
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $188,236.42 (31.83 months PITIA reserves) > min required of $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 293 | XXXXXX | XXXXXX | TN | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 96 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 778 is 158 points above minimum program requirement of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 58 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 296 | XXXXXX | XXXXXX | ID | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $5.00 for zero tolerance fees.A 2nd Flood Cert fee was added to the LE dated XXX. |
2.24.2026 - COC provided |
2.24.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 8 points below guideline maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 181 points above guideline minimum of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x60 | |||||||||||||||||||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
2/25/2026: Received Safe Harbor determination. |
2/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history for 65 months reviewed. Late payment showing on closed account
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 713 exceed guidelines minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at employer over 10 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Credit/ Mtg History |
Active | B | B | B | B | CRDCRMH123 | No evidence of required debt payoff |
No | Missing validation debts paid by others or reason for omitting debts from DTI. XXX#XXX, XXX#XXX, XXX#XXX |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history for 65 months reviewed. Late payment showing on closed account
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 713 exceed guidelines minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at employer over 10 years | |||||||||||||||||||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history for 65 months reviewed. Late payment showing on closed account
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 713 exceed guidelines minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at employer over 10 years | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Texas Home Equity |
Satisfied | C | B | C | B | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender |
No | Fair Market Value Affidavit not signed by lender |
2/25/26 - Lender provided Fair Market Value Affidavit signed by lender |
2/25/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.51% is below the guideline of 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $978.85 Zero Percent Tolerance Violation due to increase in Loan Ponts, and numerous title fees at or prior to closing without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
2/25/26 - Lender provided COC showing increase in loan points. |
2/25/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.51% is below the guideline of 45%. | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | $56.50 Ten Percent Tolerance Violation due to increase in Recording fees at or prior to closing without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
2/25/26 - Lender provided COC showing increase in recording fees. |
2/25/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.51% is below the guideline of 45%. | |||||||||||||||||||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Commission income not used for both borrowers to qualify
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10 year at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30 % DTI, max DTI 45% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) | Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Commission income not used for both borrowers to qualify
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10 year at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30 % DTI, max DTI 45% | |||||||||||||||||||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry |
No | Missing Seller’s CD- need in order to complete fee entry |
2.23.2026 -Seller CD provided |
2.23.2026 - Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO > min. score requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amt. of $115,698.79 exceeds AUS requirement of $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: 10.00% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing proof of transfer and receipt of gift funds in the amt. of $38,000.00 |
2/23/2026: Received wire receipt to title for gift funds. |
2/23/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO > min. score requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amt. of $115,698.79 exceeds AUS requirement of $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: 10.00% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | A | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation LCA score is > 2.5. Clayton to order desk review |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO > min. score requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amt. of $115,698.79 exceeds AUS requirement of $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: 10.00% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below 95% threshold for primary purchase.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 fico exceeds typical minimum 620 (Fannie has no minimum fico)
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30 derogatory marks on mortgage history. | |||||||||||||||||||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
2/24/2026: Received Safe Harbor determination. |
2/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below 95% threshold for primary purchase.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 fico exceeds typical minimum 620 (Fannie has no minimum fico)
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30 derogatory marks on mortgage history. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below 95% threshold for primary purchase.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 fico exceeds typical minimum 620 (Fannie has no minimum fico)
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30 derogatory marks on mortgage history. | |||||||||||||||||||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below 95% threshold for primary purchase.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 fico exceeds typical minimum 620 (Fannie has no minimum fico)
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30 derogatory marks on mortgage history. | |||||||||||||||||||||||||||||||||||||
| 308 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
Yes | $40.00 Zero Tolerance due to increase in Transfer Taxes Aggregate/ County Taxes from $0.00 to $40.00, without a valid Change in Circumstance (CIC). Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 17 mos. mtg. payment hist. 0X30,60,90 days. Paid as agreed.
CFCFS2860: Good credit history - Clayton Comments: deep credit hist. with all accts. paid as agreed. No collections, judgements, BK.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit score 758 exceeds guideline min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 310 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x99 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: 37% revolving credit utilization
CFCFS1739: Positive mortgage payment history - Clayton Comments: 3 open mortgage accts. all paid as agreed. 0X30,60,90 days. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $6.00 due to (Transfer taxes) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
2.23.2026 - COC provided |
2.23.2026 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $92552.98 or 23.63 months of P&I | |||||||||||||||||||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | Missing check mark on selected box for “You declined it” |
2/25/26 - Lender provided PCCD showing you declined it selected. |
2/25/26 - Exception satisfied. |
Non-Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $92552.98 or 23.63 months of P&I | |||||||||||||||||||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $92552.98 or 23.63 months of P&I | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $92552.98 or 23.63 months of P&I | |||||||||||||||||||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero percent tolerance fail of $46.00 due to Transfer Taxes Aggregate increased from $1334.00 LE XXX to $1380.00 CD XXX with no internal COC in file. Provide Internal COCs reflecting valid reason for the fee change within 3 business days of change -OR- PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking, within 60 days of consummation |
2.24.2026 - COC provided |
2.24.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $31,989.16 or 6.29 months PITI reserve exceeds AUS required reserves of $30,511.67.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 729 exceeds guidelines. | |||||||||||||||||||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $31,989.16 or 6.29 months PITI reserve exceeds AUS required reserves of $30,511.67.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 729 exceeds guidelines. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 319 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 8/16/1993. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 8 years and 5 months in current profession | |||||||||||||||||||||||||||||||||||||
| 329 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 803 > 183 required guideline requirements of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.44% is above the minimum program requirements of 45%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.23% LTV for Subject Property is below guideline max LTV of 95%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 21 years and 4 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 330 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Rebuttable Presumption (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | Ability to Repay/ Qualified Mortgage |
Active | C | C | C | C | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
Yes | Lender verified Safe Harbor (APOR). Clayton verified Rebuttable Presumption (APOR). |
2/27/2026: Received Mavent dated 11/14/2025 showing Safe Harbor. This was in the original PDF.3/6/2026 - Client requsted calculation: Benchmark Term 360, Benchmark Date XXX, Test APR 9.065, Benchmark Rate 6.870, Benchmark Variance 2.195. Exceeds 1.5000% rate trigger spread. |
2/27/2026: Exception remains.3/6/2026 - Exceptionr remains. |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 331 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 is less than the max of 95.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.97 is less than the max of 45. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 340 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score of 723 exceeds minimum guidelines of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV of 80% is below guideline requirement of 90%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $246739.85 exceeds AUS reserves of $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 341 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | File is missing credit report. Unable to complete ATR/QM review. |
2/23/2026: Received 11/13/2025 credit report. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.50 is below guideline requirement max of 95.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 807 exceeds guidelines.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $320,684.43 or 43.58 months PITI reserve exceeds required reserves of $0.00. | |||||||||||||||||||||||||||||||||||||
| 341 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report |
No | Provide missing credit report used in qualifying. |
2/23/2026: Received 11/13/2025 credit report. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.50 is below guideline requirement max of 95.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 807 exceeds guidelines.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $320,684.43 or 43.58 months PITI reserve exceeds required reserves of $0.00. | |||||||||||||||||||||||||||||||||||||
| 343 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Please provide missing Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.95% is < the maximum LTV of 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified asset of $221,675.59; required cash to close $133,080.68; verified reserves of $88,594.91 or 33.06 months; required reserves $0.00.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, the borrower has been employed with current employer for 5 years and 6 months with a start date of 7/6/2020.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 712 is > the minimum credit score of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH183 | Credit report incomplete |
No | Missing borrower #2 credit report. |
2/26/2026: Received corrected Note. Only one borrower with the Trust, the other is a signor of the Trust only. |
2/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 is > the minimum credit score of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 55.93% is < the maximum CLTV of 95%. | |||||||||||||||||||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Note date XXX reflects 2 borrower which signed individually as as trustees. Missing all credit documentation for B2. Missing 1008 and fraud report and DU Findings to include B2 OR new Note needs to be signed and dated showing XXX as Trustee only, remove Individually. |
2/26/2026: Received corrected Note. Only one borrower with the Trust, the other is a signor of the Trust only. |
2/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 is > the minimum credit score of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 55.93% is < the maximum CLTV of 95%. | |||||||||||||||||||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 is > the minimum credit score of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 55.93% is < the maximum CLTV of 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 6 years & 4 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 83 points above guideline minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 4 years & 6 months at current job | |||||||||||||||||||||||||||||||||||||
| 348 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 27.33% is 17.67% below the 45% allowed.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 17 years 1 month at current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 749 is 129 points above the 620 required.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 34 years 1 month in profession. | |||||||||||||||||||||||||||||||||||||
| 348 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 27.33% is 17.67% below the 45% allowed.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 17 years 1 month at current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 749 is 129 points above the 620 required.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 34 years 1 month in profession. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file |
No | RESPA - List of homeowners counseling organizations not in file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned at current home, 5 years and 1 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 2 years and 5 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 746 > 126 required guideline requirements of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.07% is above the minimum program requirements of 45% | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely |
No | Initial LE in file dated XXX |
2.24.2026 -Initial LE received |
2.24.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned at current home, 5 years and 1 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 2 years and 5 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 746 > 126 required guideline requirements of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.07% is above the minimum program requirements of 45% | |||||||||||||||||||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation to support appraised value XXX. LCA in file has no score listed. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.80% is above the minimum program requirements of 45%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 21 years and 4 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 714 > 94 required guideline requirements of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 796 is higher than minimum requirement by more than 50 percentage points.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a very minimal use of credit.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have maintained a positive delinquent free mortgage payment history. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 358 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected - Missing from CD in file. Non-numeric clerical error cure: LOX and post- consummation CD within 60 days of consummation |
2/25/26 - Lender provided PCCD showing will not have an escrow account. |
2/25/26 - Exception satisfied. |
Non-Numeric | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog credit. 769 Median Credit Score, Oldest Trade 12/2007
CFCFS1746: Significant housing expense reduction - Clayton Comments: 7.78% housing expense reduction. Payment from $5902.73 reduced to $5443.43
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4.58 yrs tenure with current self employed business | |||||||||||||||||||||||||||||||||||||
| 361 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
(No Data) |
(No Data) | Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32 is less than the max of 45.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $440,355.40 (80.82 months PITIA reserves) > min required of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 361 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA score is >2.5. Clayton to order desk review. |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32 is less than the max of 45.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $440,355.40 (80.82 months PITIA reserves) > min required of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 363 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA score could not be assessed. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reporting to credit is positive.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No funds required for closing or reserves. Verified assets are $212,386.20. | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM Determination. |
2/23/2026: Received Safe Harbor determination. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 13 years owned/self employment
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 fico exceeds minimum 620 fico
CFCFS2860: Good credit history - Clayton Comments: 0x30 zero derogatory | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 13 years owned/self employment
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 fico exceeds minimum 620 fico
CFCFS2860: Good credit history - Clayton Comments: 0x30 zero derogatory | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Per LP require a YTD paystub documenting all YTD earnings or a written VOE documenting all YTD earnings and earnings for the most recent calendar year. File contains 2 employment verification and YTD income from current and 1 previous job from 3/24/2025 - 11/28/2025 . Provide YTD from XXX for Jan- Feb 2025. |
2/27/2026: Doc received is not a complete copy. 3/3/2026: Received 2025 W2. |
2/27/2026: Exception remains.3/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.70% is < the maximum DTI of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $395,280.49; required assets $167,609.08; verified reserves of $227,671.41 or 38.65 months; required reserves of $0.00
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is > the minimum credit score of 620. | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File |
No | Per LP require a YTD paystub documenting all YTD earnings or a written VOE documenting all YTD earnings and earnings for the most recent calendar year. File contains 2 employment verification and YTD income from current and 1 previous job from 3/24/2025 - 11/28/2025 . Provide YTD from XXX for Jan- Feb 2025. |
2/27/2026: Doc received is not a complete copy. 3/3/2026: Received 2025 W2. |
2/27/2026: Exception remains.3/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.70% is < the maximum DTI of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $395,280.49; required assets $167,609.08; verified reserves of $227,671.41 or 38.65 months; required reserves of $0.00
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is > the minimum credit score of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.70% is < the maximum DTI of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $395,280.49; required assets $167,609.08; verified reserves of $227,671.41 or 38.65 months; required reserves of $0.00
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is > the minimum credit score of 620. | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.70% is < the maximum DTI of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $395,280.49; required assets $167,609.08; verified reserves of $227,671.41 or 38.65 months; required reserves of $0.00
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is > the minimum credit score of 620. | |||||||||||||||||||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Report of 793 is 173 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $13,741.70 or 1.06 PITIA | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved loan. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $2688.30 which exceeds AUS minimum of $0.00
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 73.67 which is below guideline Max of 97%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 22.83 which is below guideline max of 45% | |||||||||||||||||||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $2688.30 which exceeds AUS minimum of $0.00
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 73.67 which is below guideline Max of 97%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 22.83 which is below guideline max of 45% | |||||||||||||||||||||||||||||||||||||
| 373 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 fico score exceeds guidelines 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37567.24 or 5.37 months of P&I | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 81 points above guideline minimum of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 6 years & 1 month at current residence | |||||||||||||||||||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 81 points above guideline minimum of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 6 years & 1 month at current residence | |||||||||||||||||||||||||||||||||||||
| 380 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x99 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 381 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $2053.46 due to (Transfer Tax) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
2/25/26 - Lender provided Post Close CD, LOX and copy of refund check to borrower. |
2/25/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 728 FICO Score. Minimum required 620.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 16 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x342 months positive consumer payment history.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Co borrower has 0x30x71 months positive mortgage payment history. | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO score > min. requirement of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 27.4 years current job time
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years current residence time | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 788 exceeds guideline requirement of 620.
CFCFS1746: Significant housing expense reduction - Clayton Comments: Transaction results in a PITI of $4,148.26 which is a significant housing expense reduction of $940.74 or an 18.49% improvement from the previous subject expense of $5,089.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 4.87 is below guideline requirement max of 45. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as a level 2/B- Non Material Condition in those Circuits that have not decided on this issue. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years at current job | |||||||||||||||||||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved with PIW |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 fico score exceeds guidelines 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years at current job | |||||||||||||||||||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 fico score exceeds guidelines 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years at current job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Please provide missing LE dated XXX. |
2.24.2026 -Missing LE and COC received |
2.24.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 exceed guidelines minimum requirement of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.93% DTI is below guideline requirement of 45% | |||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved loan. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 20 years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 fico exceeds 620 minimum | |||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | PIW approved loan. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 20 years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 fico exceeds 620 minimum | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 393 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved loan. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.66% is < max allowable per guides of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $20,250.77 (4.6 months PITIA reserves) > min required of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 FICO score is > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 393 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.66% is < max allowable per guides of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $20,250.77 (4.6 months PITIA reserves) > min required of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 FICO score is > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 394 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.32% is above the minimum program requirements of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 817 > 197 required guideline requirements of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 396 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years on current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has excess reserves | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 397 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 733 is 113 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $12,757.01, 2.58 months; 0 months required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 10 years
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 20 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $271,911.61 or 46.75 months PITI reserves. Required reserves $34,899.82
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 797. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 762 exceeds minimum score of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $27991.78 which meets AUS requirement of $17198.00 | |||||||||||||||||||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 762 exceeds minimum score of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $27991.78 which meets AUS requirement of $17198.00 | |||||||||||||||||||||||||||||||||||||
| 401 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 6.4 years current job time
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.50% DTI is < max. allowable of 45%
CFCFS5269: Minimal use of credit - Clayton Comments: 32% revolving credit utilization | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $98,994.58 or 15.24 PITIA
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 is 150 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 75%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | B | B | B | B | A | A | A | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved with a Property Inspection Waiver; Clayton to order a BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 75%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | A | D | A | C | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing |
No | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX. |
2.27.2026 - ICD received |
2.27.2026 - Exception satisifed |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 13 points below guideline maximum.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 5 months at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 5 years & 5 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 149 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | A | D | A | C | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX. |
2.27.2026 - ICD received |
2.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 13 points below guideline maximum.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 5 months at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 5 years & 5 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 149 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | A | D | A | C | A | D | A | C | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
2/27/2026: Received Safe Harbor determination. |
2/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 13 points below guideline maximum.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 5 months at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 5 years & 5 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 149 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | A | D | A | C | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 13 points below guideline maximum.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 5 months at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 5 years & 5 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 149 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | A | D | A | C | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 13 points below guideline maximum.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 5 months at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 5 years & 5 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 149 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 410 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $862.20 due to Lender Credit decrease on CD XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. |
2.23.2026 -COC provided |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 741 exceeds the minimum guideline requirement by more than 50 points.
CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good overall credit history with no historical delinquencies.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves verified of $240,430.25 exceed the minimum guideline requirement. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 410 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 741 exceeds the minimum guideline requirement by more than 50 points.
CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good overall credit history with no historical delinquencies.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves verified of $240,430.25 exceed the minimum guideline requirement. | |||||||||||||||||||||||||||||||||||||
| 410 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 741 exceeds the minimum guideline requirement by more than 50 points.
CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good overall credit history with no historical delinquencies.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves verified of $240,430.25 exceed the minimum guideline requirement. | |||||||||||||||||||||||||||||||||||||
| 412 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 22.80 months of reserves exceeds guideline requirements of 0 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.35% is above the minimum program requirements of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 746 > 126 required guideline requirements of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.70% is less than guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x63 months positive consumer payment history.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30x27 months positive mortgage payment history.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 762 FICO score. Minimum required 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.54% is < max. allowable per guides of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $54,100.30 > min. required of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 FICO score is > min. requirement of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 418 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
2/25/2026: Received Safe Harbor determination. |
2/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer 18 years 2 months
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer 13 years 6 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 767 / 757 exceed guidelines minimum of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Finance Charge Tolerance |
Satisfied | B | B | B | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
No | The finance charges are understated by $231.00 which exceeds the maximum allowed of $100.00. Unable to determine the source of the understatement. Corrected on PCCD XXX Exception Satisfied |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 758 is 138 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $467,821.29 or 60.09 PITIA | |||||||||||||||||||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Finance Charge Tolerance |
Satisfied | B | B | B | B | CMPFINT4372 | TILA/ TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
No | The finance charges are understated by $231.00 which exceeds the maximum allowed of $100.00. Unable to determine the source of the understatement. Corrected on PCCD XXX Exception Satisfied |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 758 is 138 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $467,821.29 or 60.09 PITIA | |||||||||||||||||||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount |
No | Total of Payments, CD Value: XXX, eCLAS Value: XXX difference of $495.00 Unable to determine the source of the understatement. Corrected on PCCD XXX Exception Satisfied |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 758 is 138 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $467,821.29 or 60.09 PITIA | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
2/25/2026: Received Safe Harbor determination. |
2/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets- $1,543,722.79; reserves required $0.00 | |||||||||||||||||||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 53 mos. 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: B2 has 46 years in same line of work.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 9 years 4 months at current residence. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | TN | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
2/18/2026: CDA provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years & 7 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 154 points above guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 21 points below guideline maximum.
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 425 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit report validates 104 month credit history 1X30, 0x60, 0x90, 0x120
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 764 exceed guidelines minimum of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of available credit ratio 22.62% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 426 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.27 is below the minimum program requirements of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 807 > 187 required guideline requirements of 620 | |||||||||||||||||||||||||||||||||||||
| 426 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.27 is below the minimum program requirements of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 807 > 187 required guideline requirements of 620
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit score of 736 exceed guidelines minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.26% below max allowable of 45% | |||||||||||||||||||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $197.64 for zero tolerance fees.Lender Credit decreased from $665 to $467.36 on the CD dated XXX |
2.23.2026 -COC provided |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit score of 736 exceed guidelines minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.26% below max allowable of 45% | |||||||||||||||||||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered 3/6/2026: Received Report 2055 supporting value. |
02/18/2026: Exception Remains 3/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit score of 736 exceed guidelines minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.26% below max allowable of 45% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered 3/6/2026: Received Report 2055 supporting value. |
02/18/2026: Exception Remains.3/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit score of 736 exceed guidelines minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.26% below max allowable of 45% | |||||||||||||||||||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | Loan approved with PIW. Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered |
02/18/2026: Exception Remains |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit score of 736 exceed guidelines minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.26% below max allowable of 45% | |||||||||||||||||||||||||||||||||||||
| 429 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
2/23/2026: Received Safe Harbor determination. |
2/23/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by approximately $786 a month.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 747 exceeds the 620 required. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
2/27/2026: Received Safe Harbor determination. |
2/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.15%/maximum 90%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 787/minimum 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 42.85%/maximum 50% | |||||||||||||||||||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.15%/maximum 90%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 787/minimum 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 42.85%/maximum 50% | |||||||||||||||||||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received 2055 Ext report supporting value. |
02/18/2026: Exception Remains.3/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 39.78 months of reserves exceeds guideline requirements of 2.041 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 763 > 143 required guideline requirements of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.00% is above the minimum program requirements of 45% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan is PIW approved, Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received 2055 Ext report supporting value. |
02/18/2026 Exception Remains.3/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 39.78 months of reserves exceeds guideline requirements of 2.041 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 763 > 143 required guideline requirements of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.00% is above the minimum program requirements of 45% | |||||||||||||||||||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | Loan is PIW approved. Clayton to order BPO |
2/18/2026 BPO Provided does not support value. 2055 to be ordered.3/9/2026: Received 2055 Ext report supporting value. |
02/18/2026: Exception Remains.3/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 39.78 months of reserves exceeds guideline requirements of 2.041 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 763 > 143 required guideline requirements of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.00% is above the minimum program requirements of 45% | |||||||||||||||||||||||||||||||||||||
| 432 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission |
Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period |
No | ROR - Disbursement date is before end of statutory rescission period- ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period |
2.24.2026- Final ALTA received with DD of XXX. |
2.24.2024 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 709 > 189 required guideline requirements of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.321% LTV for Subject Property is below guideline max LTV of 80%
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for the past 37 years and 10 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.71% is above the minimum program requirements of 45% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan File contains Property Inspection Waiver PIW |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 18 years 3 months. | |||||||||||||||||||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 18 years 3 months. | |||||||||||||||||||||||||||||||||||||
| 437 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 exceeds minimum required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.49% is below Guidelines 45% maximum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.91% is below Guidelines 95% maximum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 437 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 exceeds minimum required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.49% is below Guidelines 45% maximum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.91% is below Guidelines 95% maximum. | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 fico exceeds min. requirement of 620
CFCFS2860: Good credit history - Clayton Comments: 0X30,60,90 days derogatory in the last 48 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years current job time | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 441 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30 no lates on any mortgages reflected on credit.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 fico exceeds minimum typical 620, Fannie does not have a current minimum threshold.
CFCFS2860: Good credit history - Clayton Comments: 0x30 zero derogatory marks | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 445 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 4.0. Clayton to order Desk Review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 36.42% DTI. Max allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Clayton verified non-QM due to fees exceeding 3%. There is no Compliance Report or verification of a bonafide fee. |
2/25/2026: Received docs and Mavent verifying Bonafide Fee. Loan is now Safe Harbor. |
2/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 763 exceed guidelines minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no late payment in credit history for past 263 months
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in subject for past 4 years. Purchasing for Owner estate. | |||||||||||||||||||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Clayton verified non-QM due to fees exceeding 3%. There is no Compliance Report or verification of a bonafide fee. |
2/25/2026: Received docs and Mavent verifying Bonafide Fee. Loan is now Safe Harbor. |
2/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 763 exceed guidelines minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no late payment in credit history for past 263 months
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in subject for past 4 years. Purchasing for Owner estate. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null |
No | In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment is blank, CORRECTED ON PCCD XXX. Exception Satisfied |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 763 exceed guidelines minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no late payment in credit history for past 263 months
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in subject for past 4 years. Purchasing for Owner estate. | |||||||||||||||||||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected ON PCCD XXX, Non-numeric clerical error cure: LOX and post- consummation CD within 60 days of consummation. |
(No Data) |
(No Data) |
Non-Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 763 exceed guidelines minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no late payment in credit history for past 263 months
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in subject for past 4 years. Purchasing for Owner estate. | |||||||||||||||||||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) |
(No Data) |
(No Data) | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 10 years or more.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has significant time at current job with 20 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have significant time at current residence with 10.2 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM Determination. |
2/23/2026: Received Safe Harbor determination. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 10 years or more.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has significant time at current job with 20 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have significant time at current residence with 10.2 years. | |||||||||||||||||||||||||||||||||||||
| 450 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU score is >2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The borrower has 0x30x99 for consumer credit history which exceeds the minimum guideline a of 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower middle credit score of 819 which is 199 points above guideline minimum of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The borrower has 0x30x44 mortgage history which exceed the minimum guideline of 12 months. | |||||||||||||||||||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection |
Satisfied | D | A | D | A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file |
No | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file |
2/24/2026: Received IL Cert of Compliance doc. |
2/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of available revolving credit
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 799 exceed guidelines minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payment in 120 months reporting | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU score is > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of available revolving credit
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 799 exceed guidelines minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payment in 120 months reporting | |||||||||||||||||||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 97% maximum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.41% is below Guidelines 45% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 817 exceeds required of 620. | |||||||||||||||||||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 97% maximum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.41% is below Guidelines 45% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 817 exceeds required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
3/2/2026: Received Safe Harbor determination. |
3/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||||||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below 95% LTV
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 exceeds typical minimum fico 620 (Fannie Mae has no current minimum fico) | |||||||||||||||||||||||||||||||||||||
| 457 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Provide depository asset statements covering a two-month period for XXX and XXX, as per DU message # 14. Only one month is in file. |
2/27/2026: Received 11/14/2025, 10/14/2025 XXX svgs statements. |
2/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 739 exceeds minimum required of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 97% maximum.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current job for 10 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $52,540.10 or 11.26 PITIA.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 is 150 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 460 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 9 years 9 months in profession.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 38.56% is 6.44% below the 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 700 is 80 points above the 620 required.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 74.66 months PITIA vs 0 months reserves required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 461 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Need evidence of change of circumstances letter for Ten Percent tolerance, Recording Fee increase, or a copy of a refund check in the amount of $32.00. |
2.23.2026 -COC provided |
2.23.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 26.4 years current residence time
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $56,103.81 or 10.93 mos. PITIA. Required reserves are $0.00 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 466 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 466 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 470 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $164084.35 or 29.70 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31% DTI, Max DTI 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 471 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Texas Home Equity |
Satisfied | C | B | C | B | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender |
No | Affidavit of Fair Market Value not signed by lender |
2/27/2026: Received fully executed disclosure. |
2/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.31% is above the minimum program requirements of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 724 > 104 required guideline requirements of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 32 years and 5 months. | |||||||||||||||||||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current residence over 33 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 700. Minimum score required 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $83,131.60 or 15.06 PITI reserves. No reserves required
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 44 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 FICO is > min. requirement of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 20 years with current employer.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogs | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 481 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Missing Loan Estimate dated XXX per Disclosure Tracking details |
2.24.2026 - Missing LE received |
2.24.226 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 725 exceeds the 620 required. | |||||||||||||||||||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan approved with PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $27,509.27 or 4.99 months of PITIA reserves. Reserves required are $0.00
CFCFS2860: Good credit history - Clayton Comments: deep credit file with all accts. paid as agreed. No collections, judgements, BK. All accts.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 FICO score > min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 486 | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close |
No | Missing bank statements from XXX #XXX and #XXX |
2/23/2026: Received VOD showing $45,291.20 for both accounts. Loan is now short $47,041.13 funds to close.3/2/2026: Received Seller CD for REO sold same day closing as subject. Verified $40,431.09 in post closing reserves. |
2/23/2026: Exception remains.3/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 723 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
|
Deal |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 486 | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets |
No | Missing bank statements from XXX#XXX and #XXX- needed to verify sufficient funds to close. |
2/23/2026: Received VOD showing $45,291.20 for both accounts. Loan is now short $47,041.13 funds to close. |
2/23/2026: Exception satisfied. Exception still active XXX. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 723 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Loan declared QM Safe Harbor from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $20,995.00, max allowed is $18,384.92; $2,610.08 too high) |
2/23/2026: Received Compliance Report and added Bonafide Fee. Loan is now Safe Harbor. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage: Via consecutive payment histories: 0x30 x254 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $125,758.42 (30.48 months PITIA reserves) > min required of $0 | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Loan declared QM Safe Harbor from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $20,995.00, max allowed is $18,384.92; $2,610.08 too high) |
2/23/2026: Received Compliance Report and added Bonafide Fee. Loan is now Safe Harbor. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage: Via consecutive payment histories: 0x30 x254 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $125,758.42 (30.48 months PITIA reserves) > min required of $0 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
2/27/2026: Received Safe Harbor determination. |
2/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 Credit score exceeds guideline minimum score requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $156,198.72, no reserves required per DU | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 Credit score exceeds guideline minimum score requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $156,198.72, no reserves required per DU | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 Credit score exceeds guideline minimum score requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $156,198.72, no reserves required per DU | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 496 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
2/23/2026: Received Safe Harbor Determination. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years & 8 months at current residence
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x88
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 4 years & 4 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 171 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 497 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 8 years & 9 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 141 points above guideline minimum of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 6 years at current residence | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $17,745.88 Zero tolerance due to decrease in Lender Credit ($7,829) on Initial CD dated XXX and also an increase in Loan Discount charge ($9,916.88) on Final CD dated XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
2/25/26 - Lender provided COC showing decrease lender credit and increase in loan discount points. |
2/25/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 46.8 CLTV 59.41%. Max 80%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 25 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 785. Minimum score required 620
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated Valuation: CU score >2.5, Clayton to order desk review |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0x30 mortgage lates the past 12 months
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 80% which is below the guideline of 95%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 706 exceeds Credit Score min of 620 | |||||||||||||||||||||||||||||||||||||
| 503 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order deskreview. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments
CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 95%, Current LTV 80%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $91672.82 or 13.61 months of PITI required PITI Reserves are $ 0.00 | |||||||||||||||||||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $9,781.69 (3.80 months PITIA reserves) > min required of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 23.58 is less than the max of 45.
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. Loan approved with PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $9,781.69 (3.80 months PITIA reserves) > min required of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 23.58 is less than the max of 45. | |||||||||||||||||||||||||||||||||||||
| 509 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM Determination. |
2/23/2026: Received Safe Harbor determination. |
2/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x69
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 126 points above guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 5 points below guideline maximum. | |||||||||||||||||||||||||||||||||||||
| 511 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 73.32%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 757 is 137 points above the 620 required.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of 3.42%.
| ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 512 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score > 2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $50,395.32 (12.77 months PITIA reserves) > min required reserves of $23,670.44
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 778 > 158 required guideline requirements of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 3 years and 1 months. | |||||||||||||||||||||||||||||||||||||
| 515 | XXXXXX | XXXXXX | MI | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing ABA Disclosure not required, This a bulk loan XXX isnt lender |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $4084.27 exceed AUS reserves $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 716 exceeds guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 515 | XXXXXX | XXXXXX | MI | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | B | B | B | B | A | A | A | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved loan. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $4084.27 exceed AUS reserves $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 716 exceeds guideline minimum of 620
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 519 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Credit | Insurance | Satisfied | A | A | A | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date |
No | Missing evidence of insurance in effect at time of disbursement XXX Evidence of hazard in file has an effective date of XXX |
(No Data) | PCCD dated 01/13/2026. Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33 % DTI max DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $109635.59 or 21.59 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 521 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 9 years 2 months.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30x38. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines |
No | Provide justification for excluding mortgage, notes, bonds payable less than 1 year on business tax returns. |
2/23/2026: Received CPA letter verifying there is a LOC that renews annually. |
2/23/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $134,366.86 (33.70 months PITIA reserves) > min required of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 777 exceeds the 620 required.
| |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 8.04%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 201 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 535 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit: Credit ratio 12.11%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit report reflects no late payments in 178 month credit history reviewed
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Medium credit scores 779 exceed guidelines minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 808. Minimum score required 620
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 21 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $31,348.44 or 7.91 months PITI reserves. No reserves required | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 539 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan Approved with PIW; Clayton to order BPO review |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 39 % DTI max dti 45% | |||||||||||||||||||||||||||||||||||||
| 539 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan Approved with PIW; Clayton to order BPO review |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 39 % DTI max dti 45% | |||||||||||||||||||||||||||||||||||||
| 541 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 exceeds guidelines with a minimum credit score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.41% is below guideline requirement with a max DTI of 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.30% is below 45 % Guidelines maximum.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of 62,481.42 exceed $0.00 required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 772 exceeds Guidelines minimum of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 544 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets- $89,453.24; reserves required $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 34.44% DTI. Max allowed 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 548 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.01%; guidelines allow up to 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 exceeds guideline minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 553 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $66,932.92 exceed $0.00 required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 811 exceeds minimum required of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 76.80% is below Guidelines maximum of 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 22.39% is below Guidelines 45% maximum. | |||||||||||||||||||||||||||||||||||||
| 553 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $66,932.92 exceed $0.00 required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 811 exceeds minimum required of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 76.80% is below Guidelines maximum of 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 22.39% is below Guidelines 45% maximum. | |||||||||||||||||||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: B1 13 years in profession
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 8 years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 fico score exceeds guidelines 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17.9 years current job time
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 FICO is > min. requirement of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 706 exceeds guideline minimum of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0X30 lates in the past 12 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $121,073.43 exceeds AUS requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 706 exceeds guideline minimum of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0X30 lates in the past 12 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $121,073.43 exceeds AUS requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 712 exceeds the 620 required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 11/01/2008. | |||||||||||||||||||||||||||||||||||||
| 565 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | APR Tolerance |
Active | B | B | B | B | CMPAPRT110 | APR - Insufficient Information for APR- Payment Stream Testing |
No | APR - Insufficient Information for APR- Payment Stream Testing |
(No Data) | (No Data) | (No Data) | Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 565 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Mortgage insurance for 80% LTV showing on DU approval, MI certificate is missing |
2/23/2026: Lender rebuttal: Loan was originally submitted at $XXX, then closed at $XXX, eliminating MI requirement. Loan is overqualified, DU not re- run. |
2/23/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 565 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.78 is less than the max of 45.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 is less than the max of 95. | |||||||||||||||||||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 fico exceeds minimum 620 fico
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 6 years with current employer
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 fico exceeds minimum 620 fico
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 6 years with current employer
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 3.0. Clayton to order desk review. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 762 is 142 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $11,824.07 or 2.24 PITIA. | |||||||||||||||||||||||||||||||||||||
| 573 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 26 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $520,975.45 exceed guideline of $0 required reserves.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0X30X65. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 576 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 78.81%. Max 95%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 770. Minimum score required 620.
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession over 30 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Please provide the required Affiliate Business Disclosure or FACTs document. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with 10.1 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have significant time at current residence with 7.2 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more. | |||||||||||||||||||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan Approved with PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
2/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with 10.1 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have significant time at current residence with 7.2 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
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 |
Condition Sub 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 | |||||||||||||||||||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan Approved with PIW. Clayton to order BPO. |
2/18/2026: BPO provided supports appraised value |
CDA provided supports appraised value. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with 10.1 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have significant time at current residence with 7.2 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more. | |||||||||||||||||||||||||||||||||||||
| 586 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x62
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 6 months at residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 85 points above guideline minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 14 years & 11 months at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 590 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Current employer since 3/31/2008.
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by approx $1,090. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF3 J16585 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 268 | |
| Loans with Conditions: | 200 | |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
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 Loan |
Final S&P Loan |
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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 593 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 6 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | B | A | A | D | B | D | A | No | ||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 20 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 21 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 27 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 32 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | No | ||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 41 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 44 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 49 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | Not Applicable | ||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 52 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 53 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 54 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 598 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | No | ||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
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 Loan |
Final S&P Loan |
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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 64 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 83 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 88 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 93 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | C | C | A | A | C | C | A | A | Not Applicable | ||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 106 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 108 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 119 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | C | B | C | A | B | B | A | A | No | ||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
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 Loan |
Final S&P Loan |
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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 141 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 152 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 165 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 169 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 174 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 180 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 185 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 192 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 208 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Yes | ||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
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 Loan |
Final S&P Loan |
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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 229 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 600 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 597 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 249 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | C | B | D | B | D | A | A | A | C | B | No | ||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 263 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 266 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 269 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Not Applicable | ||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 277 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 279 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 280 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 281 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 283 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 288 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 293 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 296 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
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 |
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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 308 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Not Applicable | ||||||||||||||||||||
| 310 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 319 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 329 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 330 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Not Applicable | ||||||||||||||||||||
| 331 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 340 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 341 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 343 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 348 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 358 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 361 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 363 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 373 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 380 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
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 |
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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 381 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 383 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 393 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 394 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 396 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 397 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 401 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | C | A | D | A | C | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 410 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | No | ||||||||||||||||||||
| 412 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 418 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 425 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 426 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Not Applicable | ||||||||||||||||||||
| 429 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 432 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 437 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
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 |
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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 441 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 445 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 450 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 457 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 460 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 461 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 466 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 470 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 471 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 481 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 486 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 496 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 497 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 503 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 509 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 511 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 512 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 515 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 519 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 521 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
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 |
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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 522 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 535 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 539 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 541 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 544 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 548 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 553 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 565 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 573 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 576 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 586 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 590 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |