EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF4 J16696 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 255 | |
| Loans with Conditions: | 205 | |
| 52 - Total Active Conditions | ||||||
| 16 - Material Conditions | ||||||
| 3 - Credit Review Scope | ||||||
| 1 - Category: Income/Employment | ||||||
| 1 - Category: Legal Documents | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 10 - Property Valuations Review Scope | ||||||
| 2 - Category: Appraisal | ||||||
| 8 - Category: Value | ||||||
| 3 - Compliance Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Right of Rescission | ||||||
| 1 - Category: Texas Home Equity | ||||||
| 36 - Non-Material Conditions | ||||||
| 3 - Credit Review Scope | ||||||
| 2 - Category: Income/Employment | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 3 - Property Valuations Review Scope | ||||||
| 3 - Category: FEMA | ||||||
| 30 - Compliance Review Scope | ||||||
| 1 - Category: Borrower’s Interest | ||||||
| 22 - Category: RESPA | ||||||
| 5 - Category: Right of Rescission | ||||||
| 1 - Category: State Consumer Protection | ||||||
| 1 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 378 - Total Satisfied Conditions | ||||||
| 40 - Credit Review Scope | ||||||
| 11 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Application | ||||||
| 6 - Category: Assets | ||||||
| 6 - Category: Credit/Mtg History | ||||||
| 2 - Category: DTI | ||||||
| 5 - Category: Income/Employment | ||||||
| 5 - Category: Insurance | ||||||
| 2 - Category: Terms/Guidelines | ||||||
| 1 - Category: Title | ||||||
| 270 - Property Valuations Review Scope | ||||||
| 266 - Category: Appraisal | ||||||
| 4 - Category: Value | ||||||
| 68 - Compliance Review Scope | ||||||
| 14 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 6 - Category: APR Tolerance | ||||||
| 2 - Category: Compliance Manual | ||||||
| 8 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 5 - Category: Right of Rescission | ||||||
| 2 - Category: State Consumer Protection | ||||||
| 30 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 5 - Total Waived Conditions | ||||||
| 5 - Property Valuations Review Scope | ||||||
| 5 - Category: FEMA | ||||||
©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-CNF4 J16696 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 255 | |
| Loans with Conditions: | 205 | |
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 418 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 5 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years and 2 months. | |||||||||||||||||||||||||||||||||||||
| 3 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.36%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $296118.59 or 72.52 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 3 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.36%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $296118.59 or 72.52 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 5 | 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: 745 score exceeds 620 minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.22% DTI with a max 45%
CFCFS1736: Significant time at current residence - Clayton Comments: 11 years in residence. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 421 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 33.08% is 11.92% below the 45% allowed.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.93%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $203,688.93 > min required of $857 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | B | A | A | A | D | A | D | A | B | 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 | Provide an updated AUS with income for Borrower 1: Base $6,598.80 + Bonus $1,114.58 with total income of $7,713.38. AUS must remain Accept/ Eligible. |
3/27/2026: Received revised AUS, 1008 and 1003, verifying DTI 41%. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 7 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 28 years and 10 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.06% LTV below guideline requirements of 80% per program. | |||||||||||||||||||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI106 | Debt Ratio Exception >5% and <10% |
No | Lender approved DTI at 35%. Clayton calculated income for B1 7,713.38 + B2 $4,307.33 = $12,020.71. Subject PITI $2,855.90 + other debt $2,025.15 = $4,881.05 resulting in DTI of 40.61%. Difference is due to the income for B1, B1 Base due to borrower returning to work can use pre leave gross monthly income “5303.3” per the hourly income 38.07 X 40 = 1,522.80 X 52 = 79,185.60 / 12 = 6,598.80 a month Bonus: $14,500.00 + $12,250.00 = $26,750 / 24 = $1,114.58. Other Income 33629.77 + 12609.97 + 21956.02 = 68195.76 / 36 = $1,894.33 Other income is not eligible as it’s due to supplemental furlough income. |
3/27/2026: Received revised AUS, 1008 and 1003, verifying DTI 41%. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 7 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 28 years and 10 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.06% LTV below guideline requirements of 80% per program. | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | GA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 799 Minimum FICO is 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 17.33 below Max DTI is 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,838.61 or 0.37 months PITI , no reserves are 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 16 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: required score 620- borrower representative score 760
CFCFS1736: Significant time at current residence - Clayton Comments: coborrower owns her primary home for 23 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: b2 - 28 years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $31,838.18 (10.95 months PITIA reserves) > min required reserves of $0 | |||||||||||||||||||||||||||||||||||||
| 16 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: required score 620- borrower representative score 760
CFCFS1736: Significant time at current residence - Clayton Comments: coborrower owns her primary home for 23 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: b2 - 28 years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $31,838.18 (10.95 months PITIA reserves) > min required reserves of $0 | |||||||||||||||||||||||||||||||||||||
| 19 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | 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 documentation to support omitting recurring payment of $4,425 to XXX reflected on bank statements in file. If included in DTI back ratio would increase to 61.43% which is above tolerance of 3%. If new DU AUS ran, recommendation must remain Approve/ Eligible. |
3/27/2026: Received LOX. It is for mother’s assisted living facility. Not obligated, just does it to help out. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $271,322.51/ 83.89 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 19 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant |
No | Document in file shows list was delivered on XXX but the list is missing. Please provide the list of homeowners counseling organizations. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $271,322.51/ 83.89 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 19 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing documentation to support omitting recurring payment of $4,425 to XXX reflected on bank statements in file. If included in DTI back ratio would increase to 61.43% which is above tolerance of 3%. If new DU AUS ran, recommendation must remain Approve/ Eligible. |
3/27/2026: Received LOX. It is for mother’s assisted living facility. Not obligated, just does it to help out. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $271,322.51/ 83.89 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | MD | 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 | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Provide LOX for rents received via XXX on XXX #XXX statement. |
3/27/2026: Received LOX. Rents are from a roommate. This is acceptable. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No late payments noted in credit history since October 2016.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.12 is lower than max allowed 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $91,794.15 exceed AUS reserve requirement of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 777 exceeds minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | MD | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No late payments noted in credit history since October 2016.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.12 is lower than max allowed 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $91,794.15 exceed AUS reserve requirement of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 777 exceeds minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | MD | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No late payments noted in credit history since October 2016.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.12 is lower than max allowed 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $91,794.15 exceed AUS reserve requirement of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 777 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 25 | 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: 718 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 9.77% is below guideline maximum 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $556,662.50 / 191.82 months PITIA > min required of $3,621. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | AR | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV is below guideline maximum of 90%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0x 30 day mortgage late | |||||||||||||||||||||||||||||||||||||
| 424 | XXXXXX | XXXXXX | CA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: in documented assets, borrowers have $62,584.87 in reserves post close or 9 months reserves. Zero were required. $62,584.87/6555.65= 9
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV is below the 80% maximum allowed for cashout refi
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 credit score exceeds program 620 minimum | |||||||||||||||||||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | VA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | DU returned 2.6 score. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 40.96% is below guideline maximum 50% upon AUS approval.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.23%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 97%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $13,604.24 / 5.76 months PITIA > 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | WA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score not provided. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned XXX business over 20 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $216,108.61 > $22,014.65 reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 725 is 105 points above the 620 required.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Subject Property appraisal rents $2100 for 2nd Unit not used in qualifying.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 37.05% is 7.95% below the 45% allowed. | |||||||||||||||||||||||||||||||||||||
| 428 | XXXXXX | XXXXXX | CA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score not established. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score of 782 is greater than the minimum required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.15%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,867,513.86 / 273.85 months PITIA is greater the the required reserves of $41,580.09 | |||||||||||||||||||||||||||||||||||||
| 429 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 fico exceeds 620 minimum
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years in current home.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years with current employer.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years with current employer
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 429 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 fico exceeds 620 minimum
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years in current home.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years with current employer.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years with current employer
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 431 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have60 months mortgage payment history 0x30.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in business since 08/16/2014
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 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 | |||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC5551 | Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests |
No | File is missing final signed and executed CD at closing. |
(No Data) | (No Data) | Hybrid | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 score exceeds 620 minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.39% DTI below 43%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $52,168.45- $17,620.89 funds to close = $34,547.56 reserves.No reserves required. | |||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC5553 | Missing sufficient documentation to determine High Cost Fees and APR Limits |
No | File is missing final signed and executed CD at closing. |
(No Data) | (No Data) | Hybrid | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 score exceeds 620 minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.39% DTI below 43%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $52,168.45- $17,620.89 funds to close = $34,547.56 reserves.No reserves required. | |||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period |
No | File is missing final signed and executed CD at closing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 score exceeds 620 minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.39% DTI below 43%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $52,168.45- $17,620.89 funds to close = $34,547.56 reserves.No reserves required. | |||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Right of Rescission |
Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period |
No | File is missing final signed and executed CD at closing. |
3.27.2026 - CD issued XXX reflects DD of XXX and earliest expiration date per ROR is XXX.4.2.2026 - FInal ALTA with DD of XXX provided |
3.27.2026 - Exception remains4.2.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 score exceeds 620 minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.39% DTI below 43%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $52,168.45- $17,620.89 funds to close = $34,547.56 reserves.No reserves required. | |||||||||||||||||||||||||||||||||||||
| 370 | 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: 712 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Co-borrower has 11 years at primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 14 years job time | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 432 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Credit use ratio is 10.72%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 749 exceeds minimum is 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80% less than max 95%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 433 | 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 $24,185.17 or 4 months of PITI in reserves. $0 reserves required.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has a documented history of OT income that was not used
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score 819, guideline 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 350 | 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: Both borrowers have been on the job for several years
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 95% program maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 credit score is above the 620 program minimum | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 30 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers credit usage score is 7.16%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower min score is 798 guideline min score is 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI is 40.58 with guideline DTI max 45% per deal sheet | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | MN | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 739 exceeds 620 minimum FICO
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 62 months of PITI ($3850.10) reserves verified, documented assets $240531.33
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80% below maximum 95%
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers credit usage 7.42%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI 31.86% less than maximum 45% | |||||||||||||||||||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | MN | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 739 exceeds 620 minimum FICO
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 62 months of PITI ($3850.10) reserves verified, documented assets $240531.33
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80% below maximum 95%
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers credit usage 7.42%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI 31.86% less than maximum 45% | |||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | ID | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 16.1 years at current/departing residence.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 48.93% DTI below 51% per AUS.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 score exceeds minimum 620 score. | |||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | ID | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 16.1 years at current/departing residence.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 48.93% DTI below 51% per AUS.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 score exceeds minimum 620 score. | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 34 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.11%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | 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 signed XXX with expiration date of XXX, final CD disbursement date is XXX. Disbursement Date is before end of statutory rescission period. |
3.27.2026 - PCCD and Final ALTA with DD XXX received. |
3.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.77% is lower than max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 735 exceeds minimum FICO of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 34.62% is lower than max allowed 80%. | |||||||||||||||||||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Final title supplement for commitment provided dated XXX states loan coverage of $XXX. Note amount closed at $XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.77% is lower than max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 735 exceeds minimum FICO of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 34.62% is lower than max allowed 80%. | |||||||||||||||||||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | 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. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.77% is lower than max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 735 exceeds minimum FICO of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 34.62% is lower than max allowed 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 37 | XXXXXX | XXXXXX | CA | 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 approved with PIW; Clayton to order BPO. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.53% is below 45% threshold.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 exceeds minimum 620 | |||||||||||||||||||||||||||||||||||||
| 37 | XXXXXX | XXXXXX | CA | 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 PIW Approved, Clayton to order BPO. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.53% is below 45% threshold.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 exceeds minimum 620 | |||||||||||||||||||||||||||||||||||||
| 37 | XXXXXX | XXXXXX | CA | 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 | 3/25/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
4/6/2026: Received Report 2055 Ext only supporting value. |
4/6/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.53% is below 45% threshold.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 exceeds minimum 620 | |||||||||||||||||||||||||||||||||||||
| 437 | XXXXXX | XXXXXX | IL | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance |
No | Missing evidence of master condo insurance. |
3/27/2026: Received Condo HOI dec page. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: $2,195.10 in monthly bonus income for primary borrower
CFCFS1734: Borrower has significant time at current job - Clayton Comments: >14 years on job for primary. | |||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | CA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Maximum debt ratio is 45%. Verified debt ratio is 29.24%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $267,463.36 or 43 months of PITI.Required PITI reserves $0.00
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Documented rental income of $5,670.3 not used to offset investment property ownership.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum FICO is 620. Approved FICO is 809. | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 42 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.6%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $93,498.05 / 31.18 months PITIA. No reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have72 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 42 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.6%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $93,498.05 / 31.18 months PITIA. No reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have72 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 43 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU document is missing, Clayton to order desk review |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage history good with no derogatory events
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 714/minimum is 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 44.48/ maximum is 50% | |||||||||||||||||||||||||||||||||||||
| 44 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.08% DTI with a 50% max allowed per guides.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 score exceeds 620 minimum.
CFCFS1736: Significant time at current residence - Clayton Comments: 9.3 years time in residence. | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 442 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | A | A | D | A | D | A | C | A | A | A | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/ VOR (e.g. cancelled checks) |
No | Missing verification of HOA dues for subject property in the anticipated amount of $37.50/month |
3/27/2026: HOA docs received are for REO on XXX. Need subject HOA. Clayton verified $450 annual HOA on XXX. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No lates reporting in full credit history back from 2/25/10.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $18,789.07 (5.33 months PITIA reserves) > min required of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 766 exceeds minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 442 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | A | A | D | A | D | A | C | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No lates reporting in full credit history back from 2/25/10.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $18,789.07 (5.33 months PITIA reserves) > min required of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 766 exceeds minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 47 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: 84%Minimal usage of available revolving credit lines @ 3.48% | |||||||||||||||||||||||||||||||||||||
| 47 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: 84%Minimal usage of available revolving credit lines @ 3.48% | |||||||||||||||||||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | C | A | D | B | B | B | 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 | $5335.08 Zero tolerance due increase in Discount points from $6938.80 to $11476.08 without a valid COC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
3.27.2026 -COCs provided |
3.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.25%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $10,083.92 / 3.83 months PITIA > min required of $0.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.50% | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | C | A | D | B | B | B | D | A | C | A | Credit | Terms/ Guidelines |
Active | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Missing letter of explanation for credit report inquiries on 10/8/2025 with XXX. Additional conditions may apply. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.25%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $10,083.92 / 3.83 months PITIA > min required of $0.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.50% | |||||||||||||||||||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | C | A | D | B | B | B | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP provided. Clayton to order Desk Review. |
3/27/2026: received CDA supporting value. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.25%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $10,083.92 / 3.83 months PITIA > min required of $0.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.50% | |||||||||||||||||||||||||||||||||||||
| 49 | XXXXXX | XXXXXX | CA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU Score was not provided in the file. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $85,933.90 verified reserves when $0 are required.
CFCFS2854: Significant time in profession - Clayton Comments: 17+ years time on job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 score exceeds 620 minimum. | |||||||||||||||||||||||||||||||||||||
| 53 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.20% DTI with a 43% max allowed.
CFCFS1736: Significant time at current residence - Clayton Comments: 19 yrs 10 months in current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 score 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 53 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.20% DTI with a 43% max allowed.
CFCFS1736: Significant time at current residence - Clayton Comments: 19 yrs 10 months in current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 score exceeds 620 minimum. | |||||||||||||||||||||||||||||||||||||
| 444 | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Property Valuations |
Appraisal | Satisfied | A | A | A | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 mid score > min required of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been in current Job for over 8 years | |||||||||||||||||||||||||||||||||||||
| 55 | 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 | Loan is PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.74% is below guideline maximum 50% upon AUS approval.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.11%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,265.59 / 5.81 months PITIA > min required of $0. | |||||||||||||||||||||||||||||||||||||
| 55 | 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 | Loan is PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.74% is below guideline maximum 50% upon AUS approval.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.11%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,265.59 / 5.81 months PITIA > 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | DE | 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. |
3/27/2026: Received BPO supporting value. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 625 exceeds minimum credit score of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 since October 2017.
CFCFS2860: Good credit history - Clayton Comments: No late payment report in credit history starting August 2010. | |||||||||||||||||||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | DE | 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. |
3/27/2026: Received BPO supporting value. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 625 exceeds minimum credit score of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 since October 2017.
CFCFS2860: Good credit history - Clayton Comments: No late payment report in credit history starting August 2010. | |||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | NJ | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP provided. Clayton to order desk review.. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $93,744.65 or 19.07 PITI. No reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 791 > min required score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 112 months > max permitted of 0 X 30 X 12 months | |||||||||||||||||||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not provided. Clayton to order desk review |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.04%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has12 months mortgage payment history 0x30.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has other documented income we are not using for qualifying. It is labeled XXX on the paystub. The written VOE shows it has been received for the last 2 years. Comp. factor only.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 26+ 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | CT | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years on current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers qualifying credit score is 778, the minimum is 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.51%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has33 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | CT | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years on current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers qualifying credit score is 778, the minimum is 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.51%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has33 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | CO | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $218,205.43 or 39.49 months PITIA > min required of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.73% | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | 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 | No Confirmation of Reciept of Initial CD Dated XXX at least 3 days prior to Consummation Date XXX. Please provide Confirmation of Receipt of Initial CD. |
3.27.2026 -ICD received |
3.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit report reflects no late mortgage payments
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no derogatory events reflecting on credit report
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18% is within maximum allowable guideline limit | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | 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 | No Confirmation of Reciept of Initial CD Dated XXX at least 3 days prior to Consummation Date XXX. Please provide Confirmation of Receipt of Initial CD. |
3.27.2026 - ICD received |
3.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit report reflects no late mortgage payments
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no derogatory events reflecting on credit report
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18% is within maximum allowable guideline limit | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Provide fully executed Final ALTA for sale of previous residence to verify funds noted on Final 1003 to cover funds to close for this transaction. |
3/27/2026: Received Final ALTA showing $196,143.49 net proceeds to Title for this transaction. Left original estimated in system. All parameters met. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit report reflects no late mortgage payments
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no derogatory events reflecting on credit report
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18% is within maximum allowable guideline limit | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit report reflects no late mortgage payments
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no derogatory events reflecting on credit report
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18% is within maximum allowable guideline limit | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit report reflects no late mortgage payments
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no derogatory events reflecting on credit report
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18% is within maximum allowable guideline limit | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | NC | 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 | 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: Credit score is 707/minimum 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory events
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.92%/maximum 90% | |||||||||||||||||||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | NC | 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 | Clayton to order Desk Review. CU score is >2.5 |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 707/minimum 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory events
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.92%/maximum 90% | |||||||||||||||||||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | ID | 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. |
3/25/2026: Received BPO supporting value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 32 months. | |||||||||||||||||||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | ID | 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. |
3/25/2026: Received BPO supporting value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 32 months. | |||||||||||||||||||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | Third party valuation not provided. Clayton to order desk review. |
3/25/2026: Received CDA not supporting value. Clayton to order next level review. |
3/25/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 fico exceeds minimum 620
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 no mortgage lates
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years 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 | |||||||||||||||||||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 3/25/2026: Exception fired after review of trailing docs: Received CDA not supporting value. Clayton to order next level review. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 fico exceeds minimum 620
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 no mortgage lates
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years with current employer. | |||||||||||||||||||||||||||||||||||||
| 77 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor |
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: Verified DTI 24.53 is below guideline maximum of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 763 exceeds guidelines of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 0x30 days late in the past 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 82 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $29,453.36 or 8.18 months of P&I (or PITI if required)Required P&I (or PITI if required) Reserves are $29,453.36 x 0 months required = $ 29,453.36
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with the start date of 1994, she has been in this job for 27 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 27 years and 5 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.213%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 748 FICO 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 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 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $29,453.36 or 8.18 months of P&I (or PITI if required)Required P&I (or PITI if required) Reserves are $29,453.36 x 0 months required = $ 29,453.36
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with the start date of 1994, XXX has been in this job for 27 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 27 years and 5 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.213%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 748 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | APR Tolerance |
Satisfied | B | A | B | A | CMPAPRT110 | APR - Insufficient Information for APR- Payment Stream Testing |
No | Unable to complete APR testing due to missing MI Cert |
3/27/2026: Received MI cert. AQuto- satisfied after entry |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been employed since 2003 with same employer
CFCFS1750: High potential for increased earnings - Clayton Comments: B2 works but XXX income was not considered in this loan approval
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 credit score exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Missing MI cert |
3/27/2026: Received MI cert. |
3/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been employed since 2003 with same employer
CFCFS1750: High potential for increased earnings - Clayton Comments: B2 works but her income was not considered in this loan approval
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 credit score exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | Right of Rescission |
Satisfied | D | A | D | A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form |
No | ROR is incomplete due to being Unsigned |
3.27.2026 -Signed ROR provided |
3.27.2026 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been employed since 2003 with same employer
CFCFS1750: High potential for increased earnings - Clayton Comments: B2 works but XXX income was not considered in this loan approval
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 credit score 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 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 | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been employed since 2003 with same employer
CFCFS1750: High potential for increased earnings - Clayton Comments: B2 works but XXX income was not considered in this loan approval
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 credit score exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | SC | 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 | APR Tolerance |
Satisfied | B | A | B | A | CMPAPRT110 | APR - Insufficient Information for APR- Payment Stream Testing |
No | Unable to calculate correct APR due to missing MI Cert. |
3/27/2026: Received MI cert. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 36.85%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.46% is below guideline maximum 50% upon AUS approval.
CFCFS1746: Significant housing expense reduction - Clayton Comments: Housing payment decrease of 10%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | SC | 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 | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Missing evidence of MI coverage of 25% or 12% custom MI coverage. LTV is > 80%. |
3/27/2026: Received MI cert. |
3/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 36.85%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.46% is below guideline maximum 50% upon AUS approval.
CFCFS1746: Significant housing expense reduction - Clayton Comments: Housing payment decrease of 10%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | SC | 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 | No UCDP provided. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 36.85%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.46% is below guideline maximum 50% upon AUS approval.
CFCFS1746: Significant housing expense reduction - Clayton Comments: Housing payment decrease of 10%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 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 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 | |||||||||||||||||||||||||||||||||||||
| 88 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | SC | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order deskreview. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $4,376,357.98 or 808.04 months of PITIA 0 months required
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.09% is below guideline maximum 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 92 | XXXXXX | XXXXXX | AZ | 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 | APR Tolerance |
Satisfied | B | A | B | A | CMPAPRT110 | APR — Insufficient Information for APR- Payment Stream Testing |
No | Missing MI Cert, no MI Certificate to use for payment stream calculation. |
3/27/2026: Received MI Cert. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.73%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 20.69% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 92 | XXXXXX | XXXXXX | AZ | 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 | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Missing MI Certificate. |
3/27/2026: Received MI Cert. |
3/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.73%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 20.69% is below guideline maximum 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 | |||||||||||||||||||||||||||||||||||||
| 92 | XXXXXX | XXXXXX | AZ | 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 | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.73%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 20.69% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 449 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 799 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.34%; guidelines allow 80%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 27 years. | |||||||||||||||||||||||||||||||||||||
| 449 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 799 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.34%; guidelines allow 80%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 27 years. | |||||||||||||||||||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | TN | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID — CD: Missing Initial CD |
No | Per Document Package Audit Report, the Initial CD dated XXX was sent out to borrowers but it is not in the file. Provide missing initial CD dated XXX. |
3.27.2026 — ICD received |
3.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 723 exceeds min of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $36,186.45 or 21.18 months of PITI. No required reserves.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in XXX profession for 13 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 80% is below the max allowed 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 | |||||||||||||||||||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | TN | 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 | Loan is PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 723 exceeds min of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $36,186.45 or 21.18 months of PITI. No required reserves.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in XXX profession for 13 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 80% is below the max allowed of 95%. | |||||||||||||||||||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | TN | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 723 exceeds min of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $36,186.45 or 21.18 months of PITI. No required reserves.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in XXX profession for 13 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 80% is below the max allowed of 95%. | |||||||||||||||||||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | TN | 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. LCA score was not provided. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower 1 has been in the same profession for 20 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 mid sore > min required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 28.25% is 16.75% below the 45% allowed. | |||||||||||||||||||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | TN | 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 |
FEMA | Active | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | Level 2: FEMA Declaration for XXX XXX and appraisal date XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower 1 has been in the same profession for 20 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 mid sore > min required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 28.25% is 16.75% below the 45% allowed. | |||||||||||||||||||||||||||||||||||||
| 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 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 | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Compliance | APR Tolerance |
Satisfied | B | A | B | A | CMPAPRT110 | APR — Insufficient Information for APR- Payment Stream Testing |
No | MI Cert missing from file |
3/27/2026: Received MI Cert. Auto- satisfied after info entered. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: credit utilization is 12%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrs mid score 777 exceeds min required score
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Oldest trade over 232 months, 21 active trades | |||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Provide MI Cert. |
3/27/2026: Received MI Cert. |
3/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: credit utilization is 12%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrs mid score 777 exceeds min required score
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Oldest trade over 232 months, 21 active trades | |||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Provide latest AUS to show 85.64% LTV and requirement for MI. DU #3 in the file shows 74% LTV. |
3/27/2026: Received DU #4 A/ E at 86% LTV. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: credit utilization is 12%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrs mid score 777 exceeds min required score
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Oldest trade over 232 months, 21 active trades | |||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: credit utilization is 12%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrs mid score 777 exceeds min required score
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Oldest trade over 232 months, 21 active trades | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | KS | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.21%, guideline 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 753 exceeds guideline of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: 25 months mortgage payment history reflects all payments made on time | |||||||||||||||||||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | KS | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.21%, guideline 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 753 exceeds guideline of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: 25 months mortgage payment history reflects all payments made on time | |||||||||||||||||||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score not provided. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Credit score > 620 required score
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18 years -Borrower has significant time at current job
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years 6 months — Significant time at current residence | |||||||||||||||||||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | AZ | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $1,542,301.27 verified from one investment account with no reserves required.
CFCFS5269: Minimal use of credit - Clayton Comments: Revolving credit usage at 1% per CR.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history with 1x30 since 2007 per CR. One late in 11/2023. | |||||||||||||||||||||||||||||||||||||
| 106 | 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 | AUS PIW approved loan, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 3 trade lines open with balances. credit usage ratio is .56%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 exceeds minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25% is below the max DTI 45% limit | |||||||||||||||||||||||||||||||||||||
| 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 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 3 trade lines open with balances. credit usage ratio is .56%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 exceeds minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25% is below the max DTI 45% limit | |||||||||||||||||||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $90,517.28 > reserves required $4,706
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.8% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 36 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.27%
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 86 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 111 | 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 PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid score > Minimum FICO is 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Minimum FICO is 620; Clients FICO is 739
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 13.63% is below guideline maximum 45%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have96 months mortgage payment history 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 | |||||||||||||||||||||||||||||||||||||
| 111 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid score > Minimum FICO is 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Minimum FICO is 620; Clients FICO is 739
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 13.63% is below guideline maximum 45%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have96 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 112 | 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 PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.56%; guidelines allow 97%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 18.02%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have120 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 112 | 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 PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.56%; guidelines allow 97%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 18.02%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have120 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 113 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 749/minimum 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.88%/maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.61%/maximum 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 | |||||||||||||||||||||||||||||||||||||
| 113 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 749/minimum 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.88%/maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.61%/maximum 90% | |||||||||||||||||||||||||||||||||||||
| 114 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.80% is below guideline maximum 50%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.59%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 114 | 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 approve PIW, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.80% is below guideline maximum 50%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.59%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 451 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: Received BPO supporting value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.58%; guidelines allow 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 | |||||||||||||||||||||||||||||||||||||
| 451 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: Received BPO supporting value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.58%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 452 | XXXXXX | XXXXXX | RI | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA score not provided. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have59 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 115 | 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 XXX and Property Data Report approved by LP. Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 718 exceeds minimum FICO of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79% is below the 95% max allowed on rate refis.
CFCFS1750: High potential for increased earnings - Clayton Comments: B1 income is $1,889.43 more than the LP accepted income amount of $5,323.23. Loan was qualified with the lower income from the XXX report dated 12/24/2025. | |||||||||||||||||||||||||||||||||||||
| 115 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 718 exceeds minimum FICO of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79% is below the 95% max allowed on rate refis. CFCFS1750: High potential for increased earnings - Clayton Comments: B1 income is $1,889.43 more than the LP accepted income amount of $5,323.23. Loan was qualified with the lower income from the XXX report dated 12/24/2025. | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | TN | 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 | $1074.36 zero tolerance due to increase in Discount Points from $1176 to $1074.36 without a valid CoC. Only cure in file was $25 for increase in Appraisal fees. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
3.30.2026 — COCs provided |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.99% | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | TN | 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 | LCA score not provided. Clayton to order desk review |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.99% | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | TN | 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 |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA declaration XXX for XXX and appraisal date XXX |
3/16/2026: Client acknowledges Level 2 exception. |
3/16/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.99% | |||||||||||||||||||||||||||||||||||||
| 119 | 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 is 77.91%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower min credit score of 723 > minimum FICO of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 84 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI < 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 | |||||||||||||||||||||||||||||||||||||
| 455 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: co-Borrower has over 8 years at current job.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 6 years at current job.
CFCFS5269: Minimal use of credit - Clayton Comments: the borrowers have minimal use of credit. | |||||||||||||||||||||||||||||||||||||
| 455 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: co-Borrower has over 8 years at current job.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 6 years at current job.
CFCFS5269: Minimal use of credit - Clayton Comments: the borrowers have minimal use of credit. | |||||||||||||||||||||||||||||||||||||
| 121 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 mid score > min required of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI of 31.22% is below guideline maximum of 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | CA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 771 median FICO. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | OK | 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. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 141 months > max permitted of 0 X 30 X 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 791 > min required score of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.46% DTI < min required of 50% | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | OK | 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 PIW. Clayton to order BPO. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 141 months > max permitted of 0 X 30 X 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 791 > min required score of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.46% DTI < min required of 50% | |||||||||||||||||||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | OK | 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 | 3/25/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 141 months > max permitted of 0 X 30 X 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 791 > min required score of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.46% DTI < min required of 50% | |||||||||||||||||||||||||||||||||||||
| 123 | XXXXXX | XXXXXX | AZ | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score > 2.5. Clayton to order Desk Review |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 fico exceeds 620 minimum
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.168% DTI below 45% max allowable
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 no mortgage lates | |||||||||||||||||||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | CO | 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 |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $20,366.67 / 4.76 months PITIA, DU required no reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers’ credit score is 786 greater then the minimum required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.45% is below guideline maximum 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 | |||||||||||||||||||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | CO | 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 PIW approved, Clayton to order BPO. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $20,366.67 / 4.76 months PITIA, DU required no reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers’ credit score is 786 greater then the minimum required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.45% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | CO | 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 | 3/25/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
4/2/2026: Received Ext 2055 report supporting value. |
4/2/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $20,366.67 / 4.76 months PITIA, DU required no reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers’ credit score is 786 greater then the minimum required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.45% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 126 | 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 |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 67% LTV is below the 95% LTV max for a rate refi
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.09% is less than the program 43% maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 exceeds program minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 126 | 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 is PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 67% LTV is below the 95% LTV max for a rate refi
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.09% is less than the program 43% maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 exceeds program 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 | |||||||||||||||||||||||||||||||||||||
| 126 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 67% LTV is below the 95% LTV max for a rate refi
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.09% is less than the program 43% maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 exceeds program minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 457 | 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 | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 21 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.14% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | GA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not established. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 50 months > max permitted of 0 X 30 X 24 months.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 250 months > max permitted of 12 X 30 X xx months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 771 > min required score of 620. | |||||||||||||||||||||||||||||||||||||
| 128 | XXXXXX | XXXXXX | PA | 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 a BPO |
3/30/2026: Received BPO supporting value. |
3/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,052.19 (5.45 months PITIA reserves) > min required reserves of $0
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years on any of the 4 mortgages reporting on credit
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10 years — B2 -has significant time at current job, B1 has 10 years in the same field
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 credit scored / 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 | |||||||||||||||||||||||||||||||||||||
| 128 | XXXXXX | XXXXXX | PA | 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. |
3/30/2026: Received BPO supporting value. |
3/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,052.19 (5.45 months PITIA reserves) > min required reserves of $0
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years on any of the 4 mortgages reporting on credit
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10 years — B2 -has significant time at current job, B1 has 10 years in the same field
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 credit scored / 620 required | |||||||||||||||||||||||||||||||||||||
| 129 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.31% is below the guideline maximum of 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.12%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 129 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.31% is below the guideline maximum of 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.12%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 131 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.45%, Max 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score 704, min. FICO 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 | |||||||||||||||||||||||||||||||||||||
| 131 | 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 approved with PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.45%, Max 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score 704, min. FICO is 620 | |||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | WA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP provided. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 fico exceeds minimum 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Over 5 years with current employer.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 459 | 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 approved by AUS with PIW. Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has significant time is profession.
CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x > 99 months | |||||||||||||||||||||||||||||||||||||
| 459 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has significant time is profession.
CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x > 99 months | |||||||||||||||||||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | A | A | A | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 48 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have25 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $8898 / 3.78 months PITIA > min required of $0.00.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.36%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.57% is below guideline maximum 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 | |||||||||||||||||||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 48 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have25 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $8898 / 3.78 months PITIA > min required of $0.00.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.36%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.57% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 461 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $53,614.38/14.11 PITI. No reserves requirement.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 783 is 163 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 18.26% DTI < maximum permitted of 45% | |||||||||||||||||||||||||||||||||||||
| 461 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $53,614.38/14.11 PITI. No reserves requirement.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 783 is 163 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 18.26% DTI < maximum permitted of 45% | |||||||||||||||||||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | TN | 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 | CU score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $31,082.88 or 5.99 months reserves, 0 reserves required
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.02% | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | TN | 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 |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration date XXX - XXX and appraisal date XXX. PDI to be ordered by Clayton. |
3/15/2026: Client acknowledges Level 2 exception. |
3/15/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $31,082.88 or 5.99 months reserves, 0 reserves required
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.02% | |||||||||||||||||||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Right of Rescission |
Satisfied | D | A | D | A | CMPROR5345 | ROR — Missing or Incomplete Right of Rescission form |
No | The ROR’s in file were not executed by borrower or non borrower. |
3.30.2026 — ROR for all borrowers received. |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 776 exceeds program minimum of 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 11 payments on mortgage being paid off.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 80% is below the 95% max allowed on rate refinance loans. | |||||||||||||||||||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/ residency |
No | Missing residency documentation. Passport XXX . XXX shows employer as XXX. H1B valid 10/4/2025 — 9/30/2028 and is not for the borrower. Borrower employer is shown as XXX XXX. Need H1B for XXX. |
4/6/2026: Received I797A for borrower. Valid H1B 3/25/2025- 12/29/2027 with current employer. |
4/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 776 exceeds program minimum of 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 11 payments on mortgage being paid off.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 80% is below the 95% max allowed on rate refinance loans. | |||||||||||||||||||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 776 exceeds program minimum of 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 11 payments on mortgage being paid off.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 80% is below the 95% max allowed on rate refinance loans. | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | WA | 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. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 in all mortgage history reporting back to January 2022.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting in credit history since January 2003.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 736 exceeds minimum FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | WA | 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. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 in all mortgage history reporting back to January 2022.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting in credit history since January 2003.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 736 exceeds minimum FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | WA | 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 | 3/25/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
4/6/2026: received Report 2055 Ext only not supporting value. Lender will need to order a full appraisal. |
4/6/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 in all mortgage history reporting back to January 2022.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting in credit history since January 2003.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 736 exceeds minimum FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | MN | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $21,720 / 6.21 months PITIA > 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 | |||||||||||||||||||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | MN | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $21,720 / 6.21 months PITIA > min required of $0. | |||||||||||||||||||||||||||||||||||||
| 140 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $128,384.55 verified reserves with $65,028.48 required per AUS.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 score exceeds 620 minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Revolving usage at 11% per CR. | |||||||||||||||||||||||||||||||||||||
| 140 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $128,384.55 verified reserves with $65,028.48 required per AUS.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 score exceeds 620 minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Revolving usage at 11% per CR. | |||||||||||||||||||||||||||||||||||||
| 141 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | A | A | A | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have31 months mortgage payment history 0x30
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.39% is below guideline maximum 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 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 | |||||||||||||||||||||||||||||||||||||
| 141 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have31 months mortgage payment history 0x30
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.39% is below guideline maximum 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 143 | 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 is PIW approved, Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 40 years noted in profession.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $30,050.04 reserves verified with $884.46 required to close per AUS.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 score exceeds 620 minimum. | |||||||||||||||||||||||||||||||||||||
| 143 | 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 PIW approved. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 40 years noted in profession.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $30,050.04 reserves verified with $884.46 required to close per AUS.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 score exceeds 620 minimum. | |||||||||||||||||||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | MD | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI 32.98%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LOW LTV 76.96%. Max allowed 90%. | |||||||||||||||||||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | MD | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI 32.98%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LOW LTV 76.96%. Max allowed 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 | |||||||||||||||||||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | MT | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 170 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has good credit, score 777.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.30% | |||||||||||||||||||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | MT | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 170 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has good credit, score 777.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.30% | |||||||||||||||||||||||||||||||||||||
| 145 | XXXXXX | XXXXXX | MN | 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 current YTD paystub as required per AUS findings. (VVOE and W2s are in the file). |
3/27/2026: Received 12/19/2025 paystub. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45% , loan DTI is 43.8%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 credit score exceeds 620 required
CFCFS5269: Minimal use of credit - Clayton Comments: 1.010% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 145 | XXXXXX | XXXXXX | MN | 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 current YTD paystub as required per AUS findings. (VVOE and W2s are in the file). |
3/27/2026: Received 12/19/2025 paystub. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45% , loan DTI is 43.8%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 credit score exceeds 620 required
CFCFS5269: Minimal use of credit - Clayton Comments: 1.010% 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 | |||||||||||||||||||||||||||||||||||||
| 145 | XXXXXX | XXXXXX | MN | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45% , loan DTI is 43.8%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 credit score exceeds 620 required
CFCFS5269: Minimal use of credit - Clayton Comments: 1.010% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 145 | XXXXXX | XXXXXX | MN | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45% , loan DTI is 43.8%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 credit score exceeds 620 required
CFCFS5269: Minimal use of credit - Clayton Comments: 1.010% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | AL | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score 706, minimum FICO is 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $12,745.02 or 6 months PITIA in reserves. $0 reserves required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer over 6 years | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | MI | 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 | State Consumer Protection |
Active | B | B | B | B | CMPSTCP4383 | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower |
No | Missing Home Loan Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.49; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 3 + years at present 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 | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | MI | 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 | PIW approved loan. Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.49; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 3 + years at present job | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | MI | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.49; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 3 + years at present job | |||||||||||||||||||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | GA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Missing LCA score. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: One revolving card in use per CR.
CFCFS2854: Significant time in profession - Clayton Comments: 25 years time in profession.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.03% DTI with a 43% max allowed. | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | NC | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have significant time in profession B1-14 years and B2 - 15 years
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16/36 - below guideline requirement
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 738 exceeds guidelines 680 | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 476 | XXXXXX | XXXXXX | TX | 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 | 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 or fees increased at or prior to closing without a valid reason. On the Initial LE XXX the XXX was $1040.00. Increased on Final CD XXX to $1269.50, for an increased of $229.50, no COC was provided. |
3.30.2026 - Cure provided via LOX, PCCD, check for $229.50 and proof of delivery |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $92,514 / 24 months PITIA > min required of $0.00.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 20.48% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 476 | XXXXXX | XXXXXX | TX | 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, |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $92,514 / 24 months PITIA > min required of $0.00.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 20.48% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 476 | XXXXXX | XXXXXX | TX | 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, |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $92,514 / 24 months PITIA > min required of $0.00.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 20.48% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | CA | 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 | APR Tolerance |
Satisfied | B | A | B | A | CMPAPRT110 | APR - Insufficient Information for APR- Payment Stream Testing |
No | Missing MI cert. |
3/27/2026: Received MI Cert. auto- satisfied after info entered. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 19.73% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have19 months mortgage payment history 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 | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | CA | 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 | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Missing MI Cert. |
3/27/2026: Received MI Cert. |
3/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 19.73% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have19 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | CA | 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 | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 19.73% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have19 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 479 | 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 | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | Lender used H8 ROR form for 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 B condition- Non Material exception. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years with current employer.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.753% DTI is below the 45% threshold.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.798% LTV is below the 95% maximum allowable.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 exceeds minimum 620 fico | |||||||||||||||||||||||||||||||||||||
| 479 | 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 | No UCDP in file/no LCA score provided. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years with current employer.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.753% DTI is below the 45% threshold.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.798% LTV is below the 95% maximum allowable.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 exceeds minimum 620 fico | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 483 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Compliance | APR Tolerance |
Satisfied | B | A | B | A | CMPAPRT110 | APR - Insufficient Information for APR- Payment Stream Testing |
No | Missing required MI cert |
3/27/2026: Received MI cert. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $113,769.81 or 21 months of PITI $5,225.39. LP required no reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 exceeds 620 guideline minimum.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history 0 x 30 since 2016. | |||||||||||||||||||||||||||||||||||||
| 483 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Missing evidence of 12% mortgage insurance coverage due to 80.02% LTV. |
3/27/2026: Received MI cert. |
3/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $113,769.81 or 21 months of PITI $5,225.39. LP required no reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 exceeds 620 guideline minimum.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history 0 x 30 since 2016. | |||||||||||||||||||||||||||||||||||||
| 483 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | XXX XXX from 7/2021 #XXX high credit $115,200 balance $62,303 with $1,985 payment is tied to subject on initial application and later not tied to a property but included in debts. The property this mortgage is tied to is not disclosed. LP #5 has the debt as omitted. |
4/6/2026: Received docs to shows REO on XXX was sold 1/5/2026. |
4/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $113,769.81 or 21 months of PITI $5,225.39. LP required no reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 exceeds 620 guideline minimum.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history 0 x 30 since 2016. | |||||||||||||||||||||||||||||||||||||
| 483 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA score not provided. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $113,769.81 or 21 months of PITI $5,225.39. LP required no reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 exceeds 620 guideline minimum.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history 0 x 30 since 2016. | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | TN | 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 approved with PIW; Clayton to order a BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines / $696,978/ $4631.42 = 150months of reserves
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 Credit score exceeds guidelines score 720
CFCFS1744: DTI below guideline requirement - Clayton Comments: 20 % DTI below guideline requirement of 43% | |||||||||||||||||||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | TN | 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 approved with PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines / $696,978/ $4631.42 = 150months of reserves
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 Credit score exceeds guidelines score 720
CFCFS1744: DTI below guideline requirement - Clayton Comments: 20 % DTI below guideline requirement of 43% | |||||||||||||||||||||||||||||||||||||
| 384 | 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 | PIW approved loan. Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 has overtime income not used to qualify. Comp. factor only
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.6% is below 45%
CFCFS5269: Minimal use of credit - Clayton Comments: 23.52% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 384 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 has overtime income not used to qualify. Comp. factor only
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.6% is below 45%
CFCFS5269: Minimal use of credit - Clayton Comments: 23.52% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 486 | 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 | Loan is PIW Approved, Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Both applicants have excellent credit history with no major derogs
CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on mortgage since inception
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum Fico 620. Borrower’s fico is 770
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is significantly below guidelines at 23.49/26.59% 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 | |||||||||||||||||||||||||||||||||||||
| 486 | 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 | Loan is PIW Approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Both applicants have excellent credit history with no major derogs
CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on mortgage since inception
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum Fico 620. Borrower’s fico is 770
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is significantly below guidelines at 23.49/26.59% with a max DTI of 45% | |||||||||||||||||||||||||||||||||||||
| 375 | XXXXXX | XXXXXX | NM | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.06% DTI < maximum permitted of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $344,240.94 (12.84 months PITIA reserves) > min required reserves of $0.00
CFCFS2860: Good credit history - Clayton Comments: Borrower has great credit | |||||||||||||||||||||||||||||||||||||
| 375 | XXXXXX | XXXXXX | NM | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.06% DTI < maximum permitted of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $344,240.94 (12.84 months PITIA reserves) > min required reserves of $0.00
CFCFS2860: Good credit history - Clayton Comments: Borrower has great credit | |||||||||||||||||||||||||||||||||||||
| 154 | XXXXXX | XXXXXX | NJ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.31% is below guideline maximum 50%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have27 months mortgage payment history 0x30
CFCFS1742: Consumer credit history 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 | |||||||||||||||||||||||||||||||||||||
| 154 | XXXXXX | XXXXXX | NJ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.31% is below guideline maximum 50%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have27 months mortgage payment history 0x30
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 488 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.70% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job | |||||||||||||||||||||||||||||||||||||
| 488 | 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 PIW approved. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.70% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job | |||||||||||||||||||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | PA | QM: Safe Harbor |
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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers are not heavy credit users.
CFCFS1750: High potential for increased earnings - Clayton Comments: Primary borrower has potential for higher earnings given his position and industry of employment which is IT. | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 491 | XXXXXX | XXXXXX | NC | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.43% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 130 months.
CFCFS2860: Good credit history - Clayton Comments: 772 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 492 | XXXXXX | XXXXXX | KS | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $39,793.53/15.89 PITI. Reserves are not required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.35% DTI < maximum permitted of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 819 is 199 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 492 | XXXXXX | XXXXXX | KS | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $39,793.53/15.89 PITI. Reserves are not required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.35% DTI < maximum permitted of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 819 is 199 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 494 | XXXXXX | XXXXXX | TN | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score/ UCDP in the file. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.684% DTI is below 45% threshold.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1736: Significant time at current residence - Clayton Comments: 23 years 11 months in current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico exceeds minimum 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 | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | OK | 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 approved with PIW. Clayton to order BPO. |
3/31/2026: Received BPO not supporting value. |
3/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage ratio of 9.58%.
CFCFS2854: Significant time in profession - Clayton Comments: B1- XXX has significant time in profession of 30 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 17% Max DTI is 45%, unless AUS approves higher. | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | OK | 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 approved with PIW. Clayton to order BPO. |
3/31/2026: Received BPO not supporting value. |
3/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage ratio of 9.58%.
CFCFS2854: Significant time in profession - Clayton Comments: B1- XXX has significant time in profession of 30 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 17% Max DTI is 45%, unless AUS approves higher. | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | OK | 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 | 3/31/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage ratio of 9.58%.
CFCFS2854: Significant time in profession - Clayton Comments: B1- XXX has significant time in profession of 30 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 17% Max DTI is 45%, unless AUS approves higher. | |||||||||||||||||||||||||||||||||||||
| 497 | XXXXXX | XXXXXX | ID | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 44 months > max permitted of 0 X 30 X 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 774 > min required score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 124 months > max permitted of 0 X 30 X 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 | |||||||||||||||||||||||||||||||||||||
| 497 | XXXXXX | XXXXXX | ID | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 44 months > max permitted of 0 X 30 X 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 774 > min required score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 124 months > max permitted of 0 X 30 X 12 months | |||||||||||||||||||||||||||||||||||||
| 340 | XXXXXX | XXXXXX | NH | 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 | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close |
No | Per Post CD XXX, borrowers are required to have $3,614.75 funds to close. Final CD showed $1,683.25 cash back. Provide asset statements to verify funds to close are covered. |
4/2/2026: Received another updated PCCD showing lender credit to offset updated fees. Cash back is $0.25. |
4/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have29 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.93%; guidelines allow 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for143 months. | |||||||||||||||||||||||||||||||||||||
| 340 | XXXXXX | XXXXXX | NH | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have29 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.93%; guidelines allow 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for143 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 | |||||||||||||||||||||||||||||||||||||
| 340 | XXXXXX | XXXXXX | NH | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have29 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.93%; guidelines allow 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for143 months. | |||||||||||||||||||||||||||||||||||||
| 499 | XXXXXX | XXXXXX | GA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No UCDP. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 727 exceeds minimum FICO of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 60.48% is less than max allowed 80%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per written VOE, employed with current company since 1/28/19.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 1 late payment reporting in history since March 1992.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.80% is lower than max allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | AZ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $519,349.02 (105.29 months PITIA reserves) > min required reserves of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt: 0x30 x greater than 99 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45%. Approved DTI is 40.87%. | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | AZ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $519,349.02 (105.29 months PITIA reserves) > min required reserves of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt: 0x30 x greater than 99 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45%. Approved DTI is 40.87%. | |||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||
| 501 | XXXXXX | XXXXXX | WA | 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. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.539% DTI below 45% threshold.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 fico exceeds 620 minimum
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13.5 years with current employer.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 501 | XXXXXX | XXXXXX | WA | 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. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.539% DTI below 45% threshold.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 fico exceeds 620 minimum
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13.5 years with current employer.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 501 | XXXXXX | XXXXXX | WA | 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 | 3/25/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
4/2/2026: Received Ext 2055 report supporting value. |
4/2/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.539% DTI below 45% threshold.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 fico exceeds 620 minimum
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13.5 years with current employer.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | OH | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer > 24 years 11 months
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #62 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 809 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 | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | OH | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer > 24 years 11 months
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #62 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 809 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | 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 (APOR) from lender/ client; Clayton status : Non- QM: Lender documented all ATR UW factors due to fees too high (adjusted charges are $11,979.75, max allowed is $8,484.91; $3,494.84 too high). |
3.30.2026 - Undiscounted rate provided and rate lock form |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | 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 status is: Non-QM: Lender documented all ATR UW factors due to fees too high (adjusted charges are $11,979.75, max allowed is $8,484.91; $3,494.84 too high). |
3.30.2026 - Undiscounted rate provided and rate lock form |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | A document provided in file reflects additional Loan Estimates on XXX, XXX, XXX and XXX. These Loan Estimates were not provided to review. There is also a XXX Post Close Closing Disclosure listed. This Closure Disclosure was not provided for review. No Change of Circumstance documents were provided. |
3.30.2026 - Missing COCs and LEs provided |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 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 | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | 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 | Zero Tolerance Fee of $772.69 due to $83.40 Credit Report fee and $689.29 HOA Certification Handling fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. Client provided credit for excess fees charged of $635.51 but the diff is $137.17 |
3.30.2026 - Missing COCs and LEs provided |
3.30.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID3642 | TRID - Corrected Closing Disclosure required with zero tolerance fee refund, but not provided |
No | please provide correct closing disclosure required for zero tolerance fees |
3.30.2026 -Missing COCs and disclosures provided |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | PA | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $16,738.77 / 5.30 months PITIA > DU min required of $0.00.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.41% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.81%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 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 | |||||||||||||||||||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | PA | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $16,738.77 / 5.30 months PITIA > DU min required of $0.00.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.41% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.81%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | FL | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Please provide evidence that borrower acknowledged receipt of CD XXX, 3 days prior to consummation date of XXX |
4.2.2026 - Disclosure tracking provided |
4.2.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 credit score; 620 minimum required FICO.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 7/2008, reporting 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 14.25 years in the same profession. | |||||||||||||||||||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | NC | 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 | Missing the rental documentation for all 3 rental properties in order to calculate and use rental income on the investment properties owned. |
3/27/2026: received 2024 1040s and lease agreements for two REOs. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 783 exceeds min 620 requirement.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has been in profession for over 47 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 79.99% is less than the max allowed of 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $13,002.36 or 2.26 months of PITIA, no reserves are required. | |||||||||||||||||||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | NC | 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 | Missing the rental documentation for all 3 rental properties in order to calculate and use rental income on the investment properties owned. |
3/27/2026: received 2024 1040s and lease agreements for two REOs. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 783 exceeds min 620 requirement.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has been in profession for over 47 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 79.99% is less than the max allowed of 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $13,002.36 or 2.26 months of PITIA, no reserves are 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 | |||||||||||||||||||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | NC | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 783 exceeds min 620 requirement.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has been in profession for over 47 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 79.99% is less than the max allowed of 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $13,002.36 or 2.26 months of PITIA, no reserves are required. | |||||||||||||||||||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | NC | 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 approved with PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 783 exceeds min 620 requirement.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has been in profession for over 47 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 79.99% is less than the max allowed of 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $13,002.36 or 2.26 months of PITIA, no reserves are required. | |||||||||||||||||||||||||||||||||||||
| 168 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.36%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | 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 | Missing most recent 1040 income tax return or lease agreement for rental income calculations for non- subject properties |
3/31/2026: Received 2024 1040s Sch E. |
3/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.99%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 767mid 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 | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | There is a timing and change of circumstance review document in file that reflects a XXX Loan Estimate that was not included in the file. Also, there is a XXX COC in the file but no corresponding LE or CD. The next disclosure provided is the XXX CD. |
3.30.2026 - Missing LEs provided |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.99%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 767mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | 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 | Zero Tolerance Fee due to $600 appraisal increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower |
3.30.2026 - COC provided |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.99%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 767mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | 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 | Missing most recent 1040 income tax return or lease agreement for rental income calculations for non- subject properties |
3/31/2026: Received 2024 1040s Sch E. |
3/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.99%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 767mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.99%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 767mid 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 | |||||||||||||||||||||||||||||||||||||
| 172 | XXXXXX | XXXXXX | ID | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance |
No | Missing hazard insurance policy declarations page |
3/27/2026: Received RCE. Still need HOI dec page.3/31/2026: Received HOI Dec Page. |
3/27/2026: Exception remains.3/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at the same job since 10/08/1992.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any mortgage lates within the past two years. | |||||||||||||||||||||||||||||||||||||
| 506 | 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 | 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 |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 20+ years at present job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.78% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 176 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 13.45% is below the guideline maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.60%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 176 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 13.45% is below the guideline maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.60%; guidelines allow 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 | |||||||||||||||||||||||||||||||||||||
| 177 | 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: 810 mid score > min required of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been in same profession for 29 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $2,085.83. Reserves required = $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 178 | 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 PIW. Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit 811. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI is 27.35% Max DTI is 45%
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: $2365.49 additional retirement income, after grossing up, not used to qualify | |||||||||||||||||||||||||||||||||||||
| 178 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit 811. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI is 27.35% Max DTI is 45%
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: $2365.49 additional retirement income, after grossing up, not used to qualify | |||||||||||||||||||||||||||||||||||||
| 179 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | A | A | C | C | D | D | D | D | A | A | C | C | Compliance | Right of Rescission |
Active | C | C | C | C | CMPROR2330 | ROR — Disbursement date is before end of statutory rescission period |
Yes | System date calculated to XXX as statutory rescission period based on notary date on DOT being incorrect showing XXX instead of XXX. ROR is dated XXX, expired XXX. Funds disbursed XXX. Can remove when corrected Notary is received. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have40 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 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 | |||||||||||||||||||||||||||||||||||||
| 179 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | A | A | C | C | D | D | D | D | A | A | C | C | Credit | Legal Documents |
Active | D | D | D | D | CRDLGL100 | Legal document incorrect or incomplete |
Yes | Notary date on DOT is incorrect. Dated XXX instead of XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have40 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | MA | 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 | Borrower’s Interest |
Active | B | B | B | B | CMPBI1623 | MA Borrower Interest; Worksheet missing |
No | Missing MA Borrower Interest worksheet |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.51 % is below guideline maximum 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 3+ years at present job | |||||||||||||||||||||||||||||||||||||
| 183 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 59.29% LTV. Max allowed 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 806 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 183 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 59.29% LTV. Max allowed 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 806 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 342 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
ATR/ QM: Status Pending |
D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | Compliance | Ability to Repay/ Qualified Mortgage |
Active | D | D | D | D | 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. |
Yes | Missing YTD pay stub from new employer, required per LP findings, to support income of $15,833.34/mo. |
3/27/2026: Received VVOE. This was in the original file. Still need paystub. Job started prior to Note Date. |
3/27/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score of 791 > min requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $3,188.95 (0.77 months PITIA reserves) > min required reserves of $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: 11% 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 | |||||||||||||||||||||||||||||||||||||
| 342 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
ATR/ QM: Status Pending |
D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | Credit | Income/ Employment |
Active | D | D | D | D | CRDINC2408 | Income verification does not meet guidelines |
Yes | Missing YTD pay stub from new employer, required per LP findings, to support income of $15,833.34/mo. |
3/27/2026: Received VVOE. This was in the original file. Still need paystub. Job started prior to Note Date. |
3/27/2026: Exception remains. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score of 791 > min requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $3,188.95 (0.77 months PITIA reserves) > min required reserves of $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: 11% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 342 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
ATR/ QM: Status Pending |
D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | 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 |
3/25/2026: BPO provided does not support appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score of 791 > min requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $3,188.95 (0.77 months PITIA reserves) > min required reserves of $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: 11% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 342 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
ATR/ QM: Status Pending |
D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | PIW approved loan. Clayton to order BPO |
3/25/2026: BPO provided does not support appraised value.4/6/2026: Received Ext only 2055 report not supporting value. Lender will need to order a full appraisal. |
3/25/2026: Exception remains.4/6/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score of 791 > min requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $3,188.95 (0.77 months PITIA reserves) > min required reserves of $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: 11% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | AZ | 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 most recent business returns with all pages and schedules for B1. |
3/27/2026: Received 2024 business rtns. Income verified. DTI is now 40.47%, lower than lender 43%. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.42%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.00%/maximum 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 749/maximum 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 | |||||||||||||||||||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | AZ | 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 | CRDINC3204 | Income Documentation Missing |
No | Provide most recent business returns with all pages and schedules for B1. |
3/27/2026: Received 2024 business rtns. Income verified. DTI is now 40.47%, lower than lender 43%. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.42%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.00%/maximum 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 749/maximum 620 | |||||||||||||||||||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | AZ | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.42%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.00%/maximum 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 749/maximum 620 | |||||||||||||||||||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | AZ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.42%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.00%/maximum 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 749/maximum 620 | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | OH | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $14629.67 exceeds AUS requirement of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 733 exceeds guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 26.79 is below 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | OH | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $14629.67 exceeds AUS requirement of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 733 exceeds guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 26.79 is below guideline of 45% | |||||||||||||||||||||||||||||||||||||
| 509 | XXXXXX | XXXXXX | SD | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA score > 2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 77.38%; guidelines allow 90%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have96 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | DC | 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 | 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 |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 10/2010, reporting 0x30
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 797 FICO score. Minimum required 620.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 8.33 years | |||||||||||||||||||||||||||||||||||||
| 190 | 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 closing assets of $32,398.61 (14 months PITIA reserves) > min required reserves of 0 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 709> min required score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X over 60 months > max permitted of 0 X 30 X 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 191 | 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 | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 240 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 4 years.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have50 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.65%; guidelines allow 80%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 mid score > min required of 640 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 512 | XXXXXX | XXXXXX | NJ | 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 |
Active | B | B | B | B | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. |
No | Initial CD dated XXX only disclosed to one borrower, second disclosure to borrower two missing. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 34 % dti max dti is 45% | |||||||||||||||||||||||||||||||||||||
| 354 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 794 > min required score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 244 months > max permitted of xx X 30 X 12 months. | |||||||||||||||||||||||||||||||||||||
| 354 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 794 > min required score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 244 months > max permitted of xx X 30 X 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 515 | 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 | CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #40 months, Credit ratio 10.62%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer 5 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 790 exceeds minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 518 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 791 > min required score of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.68% DTI < min required of 50%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 102 months > max permitted of 0 X 30 X 12 months. | |||||||||||||||||||||||||||||||||||||
| 518 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 791 > min required score of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.68% DTI < min required of 50%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 102 months > max permitted of 0 X 30 X 12 months. | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | CA | 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 2024 & 2023 personal and business returns for XXX. Per Business verification, business formed 5/1/2021 which is <5 years, requiring two years’ business and personal returns. (File has 2024, 2025 W2s for B1, 2023- 2025 W2s for B2). |
3/27/2026: Received 2024/2023 1040s and 1120-S. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | CA | 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 | Provide 2024 & 2023 personal and business returns for XXX. Per Business verification, business formed 5/1/2021 which is <5 years, requiring two years’ business and personal returns. (File has 2024, 2025 W2s for B1, 2023- 2025 W2s for B2). |
3/27/2026: Received 2024/2023 1040s and 1120-S. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | CA | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | CA | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 519 | XXXXXX | XXXXXX | MN | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 449 months.
CFCFS1747: Housing expense increase is 10% or less - Clayton Comments: Housing payment shock is -8.29% less than 10%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 25.81% below guideline maximum of 45.00%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have134 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 519 | XXXXXX | XXXXXX | MN | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 449 months.
CFCFS1747: Housing expense increase is 10% or less - Clayton Comments: Housing payment shock is -8.29% less than 10%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 25.81% below guideline maximum of 45.00%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have134 months mortgage payment history 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 356 | XXXXXX | XXXXXX | AZ | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.99% | |||||||||||||||||||||||||||||||||||||
| 356 | XXXXXX | XXXXXX | AZ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.99% | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | 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 | Loan declared QM Safe Harbor (APOR) from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $28,510.00, max allowed is $27,909.17; $600.83 too high). |
3/31/2026: Received Compliance report, entered Bonafide Fee. Loan is now Safe Harbor. |
3/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 84 months > max permitted of 0 X 30 X 24 months.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 42 months > max permitted of 0 X 30 X 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 720 > min required score of 620. | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | 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 | A COC was not provided for the increased in the on the Loan Discount Points from 2.375% or $22800 on XXX to 2.825% or $27,120.00 on Final CD XXX. |
3.30.2026 - COC provided |
3.30.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 84 months > max permitted of 0 X 30 X 24 months.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 42 months > max permitted of 0 X 30 X 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 720 > min required 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | 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. |
3/31/2026: Received Safe Harbor determination. |
3/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 84 months > max permitted of 0 X 30 X 24 months.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 42 months > max permitted of 0 X 30 X 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 720 > min required score of 620. | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not established. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 84 months > max permitted of 0 X 30 X 24 months.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 42 months > max permitted of 0 X 30 X 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 720 > min required score of 620. | |||||||||||||||||||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | WA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is below guideline max of 80%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13.10 years current job time
CFCFS1744: DTI below guideline requirement - Clayton Comments: 42% DTI is below guideline max of 45% | |||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | GA | 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 | Provide copy of the fully executed CD, Note and Mortgage for 2nd mortgage withXXX , Loan Amount $XXX and Payment $770.83 |
1/30/2026: Received the Note and Deed. Still need Final CD. |
1/30/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,471.87 Required reserves $0
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years 6 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | GA | 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 | CRDCRMH149 | Missing support docs for VOM/ VOR (e.g. cancelled checks) |
No | Provide copy of the fully executed CD, Note and Mortgage for 2nd mortgage withXXX, Loan Amount $XXX and Payment $770.83 |
1/30/2026: Received the Note and Deed. Still need Final CD. |
1/30/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,471.87 Required reserves $0
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years 6 months. | |||||||||||||||||||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant |
No | Please provide the list of List of homeowners counseling organizations. Document in file shows what date the list was provided but not the list itself. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 credit score; 620 minimum required FICO
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Please Provide Affiliated Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 credit score; 620 minimum required FICO
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely |
No | Application in file dated XXX; Only LE in file is dated XXX. Please provide the initial LE received within 3 days of the initial application date. |
3.30.2026 - Missing LEs received |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 credit score; 620 minimum required FICO
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 years in the same 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | 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 | Only CD in file is dated XXX and signed XXX. Please provide initial CD dated 3 days prior to consummation date of XXX. |
3.30.2026 - ICD received |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 credit score; 620 minimum required FICO
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | 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. |
4/2/2026: Received Safe Harbor determination. |
4/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 credit score; 620 minimum required FICO
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 197 | XXXXXX | XXXXXX | VA | 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 | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the affiliated business disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.11% is below Guidelines maximum DTI of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 778 exceeds credit score minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash reserves of $144,904.21 exceeds AUS required of $0.00 | |||||||||||||||||||||||||||||||||||||
| 197 | XXXXXX | XXXXXX | VA | 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 | CU Score is > 2.5. Clayton to order a desk review |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.11% is below Guidelines maximum DTI of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 778 exceeds credit score minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash reserves of $144,904.21 exceeds AUS 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | VA | 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 proof of gift transfer to borrowers in the amt. of $400,000. |
3/27/2026: The wire receipt for $400K is dated 1/6/2026, credited to an account ending in XXXX. There is no account in the file ending in this account # and does not indicate sent to Settlement Agent Wiring Instructions info.3/31/2026: Received wire receipt showing gift donor name and originating bank. |
3/27/2026: Exception remains.3/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 817 exceeds guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 40.563 is below guideline maximum of 45%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65.57 is below guideline of 90% guideline requirement | |||||||||||||||||||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | 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 | Missing IL No Cert of Compliance or Cert of Exemption |
3/27/2026: Received required doc. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.082% below 45% threshold.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 3 years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 fico exceeds 620 minimum | |||||||||||||||||||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | 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. |
3/27/2026: Received Safe Harbor determination. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.082% below 45% threshold.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 3 years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 fico exceeds 620 minimum | |||||||||||||||||||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is 3 indicating moderate risk. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.082% below 45% threshold.
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 3 years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | MO | 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 | 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 |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required. Assets in file $790,852 + $308,914 = $1,099.766.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2010 per CR.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 score exceeds minimum guidelines. | |||||||||||||||||||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | MO | 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 | LCA score >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required. Assets in file $790,852 + $308,914 = $1,099.766.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2010 per CR.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 score exceeds minimum guidelines. | |||||||||||||||||||||||||||||||||||||
| 207 | 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: 701 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $22,039.22 or 7.69 > min required reserves of $17,200.86
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 20 years in same line of work/profession. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 208 | XXXXXX | XXXXXX | WY | 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 27.28% is below guidelines 45% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 801 exceeds min required score of 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 82 months reviewed.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years with current employer. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 209 | 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: 76.57% LTV is below guidelines 80% maximum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.37% DTI is below Guidelines max of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 24 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.02%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 246 months mortgage payment history 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 24 years. | |||||||||||||||||||||||||||||||||||||
| 568 | 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 | CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #239 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 720 / 736 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $3093.49 Required Reserves are $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | WA | 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 | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 752 greater than minimum 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.10% is below Guidelines 95% maximum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.30% is below Guidelines 45% maximum. | |||||||||||||||||||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | WA | 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 is PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 752 greater than minimum 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.10% is below Guidelines 95% maximum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.30% is below Guidelines 45% 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | WA | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 752 greater than minimum 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.10% is below Guidelines 95% maximum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.30% is below Guidelines 45% maximum. | |||||||||||||||||||||||||||||||||||||
| 217 | 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: Mid score of 816 > min required score of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 73 months > max permitted of 0 X 30 X 12 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.08% DTI < min required of 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 219 | 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: 786 fico score exceeds guidelines 620
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence
CFCFS1744: DTI below guideline requirement - Clayton Comments: 13% DTI max dti is 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | 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 evidence borrowers escrow with XXX XXX mortgage or evidence of property taxes, Homeowners insurance and Homeowners Association dues. |
3/27/2026: Received Mortgage stmnt verifying escrowed. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.196% is lower than max allowed 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | 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 | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX |
3.30.2026 -ack of ICD received. |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.196% is lower than max allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX |
3.30.2026 -ack of ICD received. |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.196% is lower than max allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | 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 evidence borrowers escrow with XXX XXX mortgage or evidence of property taxes, Homeowners insurance and Homeowners Association dues. |
3/27/2026: Received Mortgage stmnt verifying escrowed. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.196% is lower than max allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | 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. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.196% is lower than max allowed 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score > 2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit mid score of 75 exceeds 620 required
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of of $59,430.33 exceed $0 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.03% below guideline requirement of 45% | |||||||||||||||||||||||||||||||||||||
| 222 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $136,863.10 or26.57 months PITI;$0 Required Reserves.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years in the same profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 credit score; 620 minimum required FICO | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 fico exceeds minimum fico 620.
CFCFS5269: Minimal use of credit - Clayton Comments: 8.08% credit usage
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.572% DTI below 50% maximum | |||||||||||||||||||||||||||||||||||||
| 224 | 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 | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 fico exceeds minimum fico 620.
CFCFS5269: Minimal use of credit - Clayton Comments: 8.08% credit usage
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.572% DTI below 50% 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 229 | 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: Median credit scores 800 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #120 months,
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $56,270.67 or 20.73 months of PITI for departing residence. Required Reserves are $0
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower with current employer > 3 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | A | D | C | C | B | D | C | C | A | D | C | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3950 | TRID — CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent |
No | Missing the check box mark on Final CD XXX, Loan disclosure — Do not have Negative Amortization feature |
4.3.2026 — LOX and PCCD received |
4.3.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score exceeds 620 minimum.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | A | D | C | C | B | D | C | C | A | D | C | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID4373 | TRID — CD: Closing Disclosure contains conflicting loan attributes |
No | Missing the check box mark on Final CD XXX, Loan disclosure — Do not have Negative Amortization feature |
4.3.2026 — LOX and PCCD received |
4.3.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score exceeds 620 minimum.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | A | D | C | C | B | D | C | C | A | D | C | C | B | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date |
No | Missing evidence homeowners coverage was in place at time of disbursement. Disbursement date: XXX. Coverage effective date 12/19/25. |
3/27/2026: Received HOI dec page XXX- XXX. |
3/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score exceeds 620 minimum.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | A | D | C | C | B | D | C | C | A | D | C | C | 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. |
3/25/2026: Received CDA not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score exceeds 620 minimum.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | A | D | C | C | B | D | C | C | A | D | C | C | B | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 3/25/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order next level review. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score exceeds 620 minimum.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | D | B | A | A | D | B | D | B | D | A | 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 | Provide VVOE for B2 within 10 business days of the note date. VVOE in file dated XXX is greater than 10 days of note XXX |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 12 years at the departure residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 801 FICO score. Minimum required 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Per credit B2’s oldest tradeline 2/18/2007, reporting 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10.08 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | D | B | A | A | D | B | D | B | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | LP AUS Key #XXX for this transaction was created post funding. AUS previous key #XXX was associated for the borrower; unable to determine if duplicated. FHLMC single loan exception cert is in the file allowing use of LP Key #XXX run XXX to be delivered to Freddie. |
3/27/2026: Reviewed both LP findings. They are virtually the same. Assets are slightly different. LOX and cert in file are acceptable. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 12 years at the departure residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 801 FICO score. Minimum required 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Per credit B2’s oldest tradeline 2/18/2007, reporting 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10.08 years in the same 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | D | B | A | A | D | B | D | B | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 12 years at the departure residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 801 FICO score. Minimum required 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Per credit B2’s oldest tradeline 2/18/2007, reporting 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10.08 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | D | B | A | A | D | B | D | B | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 12 years at the departure residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 801 FICO score. Minimum required 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Per credit B2’s oldest tradeline 2/18/2007, reporting 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10.08 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 238 | 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: 754 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.96% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30 for 328 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 521 | XXXXXX | XXXXXX | NV | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU/LCA score is >2.5, Clayton to order Desk Review |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14 years at current job - XXX
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 fico score exceeds guidelines 620
CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 240 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $151,083.94 exceeds AUS requirement of $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.13% is below Guidelines max 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 806 exceeds minimum credit score 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 399 | XXXXXX | XXXXXX | CA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 2.6. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Minimal usage of available revolving credit lines @ 0.020% | |||||||||||||||||||||||||||||||||||||
| 249 | 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: Credit score of 736 exceeds minimum of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 42 months reviewed on the most recent mortgage.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $11,894.25Required Reserves are $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 250 | XXXXXX | XXXXXX | TN | 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 | CU score is greater than 2.5. Missing third party valuation. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 fico exceeds typical minimum fico required of 620 (fannie has no minimum)
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Coborrower has significant time at current job 21 years
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 no mortgage lates
CFCFS1736: Significant time at current residence - Clayton Comments: 8 years in current primary residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 250 | XXXXXX | XXXXXX | TN | 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 |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | Closing occurred XXX. Disaster declared XXX XXX. |
3/11/2026: Lender acknowledges Level 2 exception, Public Assistance only FEMA disaster. |
3/11/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 fico exceeds typical minimum fico required of 620 (fannie has no minimum)
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Coborrower has significant time at current job 21 years
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 no mortgage lates
CFCFS1736: Significant time at current residence - Clayton Comments: 8 years in current primary residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16 years with current employer
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks | |||||||||||||||||||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | TN | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.24% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77% is below guidelines 97% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 score exceeds min required of 620 | |||||||||||||||||||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | TN | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.24% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77% is below guidelines 97% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 score exceeds min required of 620 | |||||||||||||||||||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | TN | 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 |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration date XXX and AUS approval XXX. PDI to be ordered by Clayton. |
3/16/2026: Client acknowledges Level 2 exception. |
3/16/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.24% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77% is below guidelines 97% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 score exceeds 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | NC | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA 3.5 score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 815 exceeds minimum of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 99 months reviewed.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since for 15 years. | |||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | TX | 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 | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing from file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.02% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | TX | 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 | 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. |
4/2/2026: Received Safe Harbor determination. |
4/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.02% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | TX | 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 | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/ residency |
No | Missing non- permanent resident documentation for B1. |
3/27/2026: Received XXX Passport and XXX - all current and valid through 2028. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.02% is below the guideline maximum 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation: LCA score >2.5. Clayton to order desk review |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 exceeds the guideline minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $57,526.33/7.66 months PITI reserves, exceeds min. requirement of $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: The borrowers DTI of 38.02% is below the guideline maximum of 45%
CFCFS5269: Minimal use of credit - Clayton Comments: 9.20% revolving credit utilization | |||||||||||||||||||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | IL | 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 | State Consumer Protection |
Satisfied | D | A | D | A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file |
No | Missing Illinois Cert of Compliance and/or Cert of Exemption |
3/27/2026: Received doc. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 739 exceeds guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 75% is lower than the guideline requirement of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 31.46 is below guideline max of 45% or approved higher by AUS | |||||||||||||||||||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | IL | 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 | 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. |
3/27/226: Received Safe Harbor determination. |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 739 exceeds guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 75% is lower than the guideline requirement of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 31.46 is below guideline max of 45% or approved higher by AUS | |||||||||||||||||||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | IL | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 739 exceeds guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 75% is lower than the guideline requirement of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 31.46 is below guideline max of 45% or approved higher by AUS | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | IL | 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 PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 739 exceeds guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 75% is lower than the guideline requirement of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 31.46 is below guideline max of 45% or approved higher by AUS | |||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | AZ | 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 | Missing the Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI is below guideline requirement of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 784 exceeds guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 69% is below guideline maximum of 90% | |||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | AZ | 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 approve PIW, Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI is below guideline requirement of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 784 exceeds guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 69% is below guideline maximum of 90% | |||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | AZ | 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 approve PIW, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI is below guideline requirement of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 784 exceeds guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 69% is below guideline maximum 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 523 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Credit | Terms/ Guidelines |
Active | D | D | D | D | CRDTER2548 | Missing AUS or AUS errors present |
Yes | Updated DU AUS required to correct sources of earnings to allow AUS to provide accurate directives on verifying borrowers income documentation. 1003 reflects borrower qualified with W2 wages of $5,993.87 and secondary XXX wages of $1,483.32 however DU AUS submission 14 reflects all earnings were reported as W2 wages therefore AUS did not provide directives on requirements to verify XXX earnings used to qualify. DU AUS recommendation must remain Approve/ Eligible. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 56 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | B | B | D | D | A | A | D | D | 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 |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 score exceeds 620 minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.94% is below Guidelines 45% maximum.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30, 0x60,0x90, with current longest active mortgage reviewed 24 months. | |||||||||||||||||||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | B | B | D | D | A | A | D | D | B | B | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | LCA score not available. Clayton to order desk review. |
3/25/2026: Received CDA not supporting value. Clayton to order next level review. |
3/25/2026: Exception remains. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 score exceeds 620 minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.94% is below Guidelines 45% maximum.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30, 0x60,0x90, with current longest active mortgage reviewed 24 months. | |||||||||||||||||||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | B | B | D | D | A | A | D | D | B | B | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 3/25/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order next level review. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 score exceeds 620 minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.94% is below Guidelines 45% maximum.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30, 0x60,0x90, with current longest active mortgage reviewed 24 months. | |||||||||||||||||||||||||||||||||||||
| 263 | XXXXXX | XXXXXX | DC | 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 $139,368.94 exceed AUS requirement of $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 17.05% is below guideline maximum of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 729 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | OH | 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 | 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 | CD dated XXX- Loan Disclosures- Escrow Account- You will have an escrow account is indicated, but the Escrowed Property Costs or Escrow Payment = $0 |
4.2.2026 — LOX and PCCD received |
4.2.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.004% DTI below 45% threshold
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Over 10 years with current employer
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Over 5 years with current employer.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 no mortgage lates
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 fico exceeds 620 minimum | |||||||||||||||||||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | OH | 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 | CLA score is greater than 2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.004% DTI below 45% threshold
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Over 10 years with current employer
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Over 5 years with current employer.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 no mortgage lates
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 fico exceeds 620 minimum | |||||||||||||||||||||||||||||||||||||
| 265 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 7 years 3 months at current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 fico exceeds minimum 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 14 years with current company.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | VA | 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 |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 credit score exceeds 620 minimum score.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Positive rental income: $114.58 not used to qualify
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $38036.48, over 7 months or reserves verified, no reserves required.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 39 months of 0x30 documented with 12 months required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI 36.19%. Maximum allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure was not included in the package. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 18 months reviewed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.35% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | 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 |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 18 months reviewed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.35% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 18 months reviewed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.35% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 3/25/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 18 months reviewed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.35% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 526 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | 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 |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 5 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.62%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 109 months. | |||||||||||||||||||||||||||||||||||||
| 526 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | 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. |
3/27/2026: Received Safe Harbor determination. |
3/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 5 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.62%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 109 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 526 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | 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. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have26 months mortgage payment history 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 5 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.62%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 109 months. | |||||||||||||||||||||||||||||||||||||
| 567 | 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 | 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. |
3/27/2026: Received Safe Harbor Determination. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below 97% maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO 787 greater than 620 minimum
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 60 months of no 30x lates with 24 month history required
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage score .09% with 1 open trade line
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $94,130.63 in post closing reserves.DU requires $27,077.52 reserves | |||||||||||||||||||||||||||||||||||||
| 567 | 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 | CU returned no score. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below 97% maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO 787 greater than 620 minimum
CFCFS1739: Positive mortgage payment history - Clayton Comments: Verified 60 months of no 30x lates with 24 month history required
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage score .09% with 1 open trade line
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $94,130.63 in post closing reserves.DU requires $27,077.52 reserves | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | WY | 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 significant time at current job, 9 years and 7 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 15 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 815 exceeds 620 required score
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $604,982.36 or 156.06 months PITI , No reserves required per AUS. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.83%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.98% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 272 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.83%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.98% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 274 | 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: Credit Score of 765 exceeds guideline minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $135,052.91 exceed $0.00 required per AUS
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 34.72 is below guideline of 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXXXXX | XXXXXX | CA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19+ years at current job
CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at current residence | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | MO | 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 $287.53 due to (discount point) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
3.27.2026 -COC provided |
3.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Borrowers are paying off $6,465.83 in revolving debt from 5 different accounts, using their own funds
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is less than the 95% LTV allowed for a rate refi.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds minimum required of 620 | |||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | MO | 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 | LP approved with PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Borrowers are paying off $6,465.83 in revolving debt from 5 different accounts, using their own funds
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is less than the 95% LTV allowed for a rate refi.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds minimum required of 620 | |||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | MO | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Borrowers are paying off $6,465.83 in revolving debt from 5 different accounts, using their own funds
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is less than the 95% LTV allowed for a rate refi.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds minimum required of 620 | |||||||||||||||||||||||||||||||||||||
| 394 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $13371.85 / 24.70 months PITIA > min required of 18 months $33133.22
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.78%; guidelines allow 90%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXXXXX | XXXXXX | HI | 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 | 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 |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $143,387.74 or 26.12 months of PITI, no reserves are required.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, B1 9 years and B2 21 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | HI | 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 | LCA (or CU) score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $143,387.74 or 26.12 months of PITI, no reserves are required.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, B1 9 years and B2 21 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 280 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of available revolving credit @ 3.18%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 44 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $67,978.10/ 16.28 months PITIA > min required of $25,054.56. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXXXXX | XXXXXX | MD | 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 most recent 2 months bank account statements reflecting sufficient funds. |
3/27/2026: Received XXX stmnt. funds to close verified. No reserves required. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines at 1.76% credit usage ratio.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.44% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score exceeds min required of 620 | |||||||||||||||||||||||||||||||||||||
| 281 | XXXXXX | XXXXXX | MD | 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 2 months bank account asset statements to verify funds used by AUS. |
3/27/2026: Received XXX stmnt. funds to close verified. No reserves required. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines at 1.76% credit usage ratio.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.44% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score exceeds 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | MA | 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 | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application |
No | Provide list of homeowners counseling organizations dated within 3 days of application. |
(No Data) |
(No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.34%; guidelines allow 95%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | MA | 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 application was taken XXX, the initial LE was not issued until XXX. Greater than the required 3 days |
3.30.2026 - Initial LE provided |
3.30.2026 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.34%; guidelines allow 95%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | MA | 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 | 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 $425. Due to Condo Processing fee added on LE issued XXX with no internal COC in file. Provide Internal COC reflecting valid reason for the fee changes 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. |
3.30.2026 -COC provided |
3.30.2026 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.34%; guidelines allow 95%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 287 | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | 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 | Reason for not having escrow account not selected on CD XXX before closing, it was updated on final PCCD XXX. |
(No Data) |
(No Data) | Non-Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $223,231.72 exceed $0 required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for over 11 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.70% is below Guidelines 45% 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 287 | 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 is PIW approved, Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $223,231.72 exceed $0 required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for over 11 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.70% is below Guidelines 45% maximum. | |||||||||||||||||||||||||||||||||||||
| 287 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $223,231.72 exceed $0 required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for over 11 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.70% is below Guidelines 45% maximum. | |||||||||||||||||||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | 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 | Final CD issued XXX The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and neither of You declined it and/or Your lender does not offer one are selected. |
4.2.2026 - PCCD received |
4.2.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 7 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history reflect no derogs, all accounts paid as agreed with oldest trade line dating back to 07/2016.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $164,295.67 or 43.97 months. AUS requires 0 months reserves. | |||||||||||||||||||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance |
No | Provide subject HOI dec page. The one provided is for previous REO. |
3/27/2026: Received RCE. Still need HOI dec page.3/31/2026: Received HOI Dec page. |
3/27/2026: Exception remains.3/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 7 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history reflect no derogs, all accounts paid as agreed with oldest trade line dating back to 07/2016.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $164,295.67 or 43.97 months. AUS requires 0 months reserves. | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 289 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | C | B | D | A | D | B | B | B | C | 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 is not in file. It is needed to verify/ complete TRID entries. |
3.27.2026 — Seller CD provided |
3.27.2026 - Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit 799 mid score > minimum required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $89,215.78 post closing reserves, 25.57 months PITI for subject property. DU requires $0.00
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 7+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower 2 has65 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 289 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | C | B | D | A | D | B | B | B | C | A | D | 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 | VVOE for B2 is not dated within 10 days of closing. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit 799 mid score > minimum required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $89,215.78 post closing reserves, 25.57 months PITI for subject property. DU requires $0.00
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 7+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower 2 has65 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 289 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | C | B | D | A | D | B | B | B | C | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit 799 mid score > minimum required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $89,215.78 post closing reserves, 25.57 months PITI for subject property. DU requires $0.00
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 7+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower 2 has65 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 291 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $249,643.66 exceed $0 required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 736 exceeds Guidelines minimum of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.33% DTI is below 45% guidelines 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 291 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $249,643.66 exceed $0 required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 736 exceeds Guidelines minimum of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.33% DTI is below 45% guidelines maximum. | |||||||||||||||||||||||||||||||||||||
| 407 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.07% is below the guideline maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 720 mid score exceeds min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 95%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 292 | XXXXXX | XXXXXX | MO | 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 | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | XXX#XXX payoff in file dated 12/30/25. Credit report reflects trade line as a Lease vs. Loan. Credit supplement verifies debt was paid 12/30/2025. Lease is up in 6/2026. Provide source of funds to payoff debt. Additional conditions may apply. |
3/31/2026: Received docs for XXX payoff. Loan was paid 12/30/2025 for $55,525.60. The XXX stmnt in the original PDF has a $2,716.32 balance and no history showing the payoff transaction. Source of funds still required.4/7/2026: Lender rebuttal stating doc received 3/31/2026 are sufficient. Clayton disagrees. Source of funds to pay off the auto lease is required.4.8.2026: lender provided evidence payoff funds came from sale of the car to XXX |
3/31/2026: Exception remains.4/7/2026: Excep[tion remains.4.8.2026: exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 701 / 722 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer > 6 years
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #189 months, | |||||||||||||||||||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | AZ | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.22% is below the guideline maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 score exceeds min required of 620
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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | AZ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.22% is below the guideline maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 score exceeds min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 294 | 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. |
3/30/2026: Received Safe Harbor determination. |
3/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 fico score exceeds guidelines 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No lates on credit report | |||||||||||||||||||||||||||||||||||||
| 294 | 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 | Insurance | Satisfied | C | A | C | A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date |
No | HOI expires same day as Note Date. Provide the renewal dec page and verification no change to Premium. Additional conditions may apply. |
4/6/2026: Received Condo Master XXX-XXX, includes walls-in. Renewed H06, not required. |
4/6/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 fico score exceeds guidelines 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No lates on credit report | |||||||||||||||||||||||||||||||||||||
| 294 | 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 PIW approved, Clayton to order BPO |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 fico score exceeds guidelines 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No lates on credit report | |||||||||||||||||||||||||||||||||||||
| 294 | 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 PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 fico score exceeds guidelines 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No lates 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 295 | XXXXXX | XXXXXX | MN | 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 |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower 1 receives bonus income reflected on current paystub not used to qualify
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 427 months.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 9+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 53 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets = $266,506.80 > $27,330.84 reserves required by LP
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 296 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines at 2.3%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.73% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 score exceeds min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | FL | 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 | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file |
No | Homeowners counseling organizations not in file. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has been XXX since 2013
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #304 months, Credit ratio 8.79%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 815/798 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | FL | 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 | Required Affiliate Business Disclosure missing. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has been XXX since 2013
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #304 months, Credit ratio 8.79%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 815/798 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | FL | 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 is approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has been XXX since 2013
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #304 months, Credit ratio 8.79%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 815/798 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | FL | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has been XXX since 2013
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #304 months, Credit ratio 8.79%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 815/798 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | CA | 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. |
3/27/2026: Received Safe Harbor Determination |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 775 exceeds guideline of 620
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0 mortgage lates reported | |||||||||||||||||||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | IA | 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 0x30 for 62 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 mid score > min required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.26% is below guideline maximum 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 536 | 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 | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 25 months mortgage payment history 0x30
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score 764, min required 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.93%, guideline 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | 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 Signed XXX with Expiration Date of XXX. Final CD Disbursement Date is XXX Disbursement Date is before end of statutory rescission period. |
4.3.2026 - Final ALTA and PCCD received |
4.3.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 175 months > max permitted of 12 X 30 X xx months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 771 > min required score of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 65 months > max permitted of 24 X 30 X xx months. | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | 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. |
4/6/2026: Received Safe Harbor determination. |
4/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 175 months > max permitted of 12 X 30 X xx months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 771 > min required score of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 65 months > max permitted of 24 X 30 X xx months. | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | 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. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 175 months > max permitted of 12 X 30 X xx months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 771 > min required score of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 65 months > max permitted of 24 X 30 X xx 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | GA | 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 | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.40%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | GA | 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 | 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 $2,057.56 due to discount points increased from initial LE to final CD. Missing a valid Change of Circumstance with specific fee increase, or Post Close CD, LOX and copy of refund check to borrower. The COC date XXX did not inform borrower of amount for Rate Lock |
3.27.2026 - COC provided |
3.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.40%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | GA | 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 is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.40%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | NC | 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. |
3/27/2026: Received Safe Harbor determination. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in the same profession
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the departing primary residence 5.42 years
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x63 mortgage payment history
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 4/2003, reporting 0x30 | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | NC | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in the same profession
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the departing primary residence 5.42 years
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x63 mortgage payment history
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 4/2003, reporting 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | NC | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in the same profession
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the departing primary residence 5.42 years
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x63 mortgage payment history
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 4/2003, reporting 0x30 | |||||||||||||||||||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | CO | 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 |
CFCFS1736: Significant time at current residence - Clayton Comments: 2 years at primary residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.340%
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 26+ years at present job | |||||||||||||||||||||||||||||||||||||
| 303 | 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 $21,927.06 exceed min required reserves of $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified fico 783 mid score > minimum required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.02% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | IL | 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 $27,415.34 (4.77 months PITIA reserves) > min required reserves of $0.00
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has over 20 years at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | WA | 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 |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.77% is below the guideline maximum 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | WA | 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. |
3/25/2026: Received BPO not supporting value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.77% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | WA | 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 | 3/25/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
4/2/2026: Received Ext 2055 report supporting value. |
4/2/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.77% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 390 | 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: ASSETS: $229,206.43- $182,488.13 funds to close = $46,718.25 reserves.$19,486 or 8 months required per AUS$27,232.25 reserves not needed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 score exceeds 620 minimum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | WA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score established. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have40 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.66%; guidelines allow 90%.
CFCFS2860: Good credit history - Clayton Comments: Borrower’s has good credit history. Credit score is 800.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.26% | |||||||||||||||||||||||||||||||||||||
| 311 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.20%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.99% is below the guideline maximum 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | NC | 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 | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close |
No | Provide evidence of sufficient funds, as per AUS. Missing XXX account statements funds, not in file. Loan is short $104,893.66 funds to close. |
3/30/2026: Docs uploaded are for another loan and the PDF is corrupt.4/6/2026: Received additional assets. Funds to close requirement met. DU requires no reserves. |
3/30/2026: Exception remains.4/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 779 exceeds guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines maximum of 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.12% is below guideline maximum of 45% | |||||||||||||||||||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | C | C | C | 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 |
Yes | Final CD XXX loan disclosure section Escrow account does not select why will not have an escrow account. |
3.27.2026 - PCCD received |
3.27.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 6 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.96% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 6 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.96% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 547 | 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: The borrowers credit score of 734 exceeds the minimum requirement of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence, subject property, for 19 years 5 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 17 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 548 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations |
FEMA | Active | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | Missig inspection post FEMA Disaster declared XXX - XXX. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20+ years at present job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.6% is below guideline maximum 45%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 54 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $93,835.89 > min required of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 323 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor |
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 803 exceeds guideline minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $68155.14 exceeds reserve requirement of $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 43.94 is below guideline maximum of 45% or AUS if approved higher | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | MO | 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 | There is no copy of the HCO with list of counseling agencies in the file. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 22+ years in the same profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid credit score of 722 > required 620 | |||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | MO | 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 | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 22+ years in the same profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid credit score of 722 > 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | MO | 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 |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | Same lender refinance lender used H8 ROR form instead of the H9 ROR form for same lender refinances. (XXX is lender on Note and original lender on Title). |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 22+ years in the same profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid credit score of 722 > required 620 | |||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | MO | 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 | 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 | Title Exam was added for $200, Title Courier was added for $30.00 and Title Wire was added for $15.00 on initial CD XXX for an increase of $242.00. SPL is missing from the Loan. |
3.30.2026 -SPL provided fees were shoppable |
3.30.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 22+ years in the same profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid credit score of 722 > required 620 | |||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | MO | 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 | 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 | Written list of providers was not provided. Ten % tolerance increased without a Valid reason. Need evidence of change of circumstances. Fees in section C increase by $678.34. |
3.30.2026 -SPL provided fees were shoppable |
3.30.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 22+ years in the same profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid credit score of 722 > required 620 | |||||||||||||||||||||||||||||||||||||
| 327 | XXXXXX | XXXXXX | AZ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 372 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 327 | XXXXXX | XXXXXX | AZ | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 372 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | VA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU score is >2.5. Clayton to order desk review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score 789, guideline 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 54 months mortgage payment history 0x30
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $3,401,533.90 or 710 months PITIA in reserves. No reserves required. | |||||||||||||||||||||||||||||||||||||
| 380 | XXXXXX | XXXXXX | UT | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 2.7. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTT 33.27% is below maximum allowed 50%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves are 107 months of PITIA . Required reserves $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 771 exceeds minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80 % is below maximum allowed 97%.
CFCFS2860: Good credit history - Clayton Comments: No late payments or collections on credit report. | |||||||||||||||||||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | ID | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer 7 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 797 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #264 months, Credit ratio 12.35% | |||||||||||||||||||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | ID | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer 7 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 797 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #264 months, Credit ratio 12.35% | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 562 | 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 | CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years with current company
CFCFS1736: Significant time at current residence - Clayton Comments: 14 years in current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico exceeds minimum 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 408 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations |
FEMA | Active | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | Missing inspection post FEMA Declaration for XXX XXX. Appraisal date XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 787 / 796 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,428.97 Required Reserves are $0.00
CFCFS2860: Good credit history - Clayton Comments: Consumer debt 0x30 x greater than 99 months | |||||||||||||||||||||||||||||||||||||
| 563 | XXXXXX | XXXXXX | NC | 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 | 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 | Zero Percent Tolerance Violation due to increase in Credit Report fee $175 from LE XXX to $487.20 on Final CD 2/6/26 without a valid Change in Circumstance. Zero tolerance cure credit of $287.64 on final CD not sufficient ($25.56 less). Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
4.2.2026 - Cure provided via PCCD, LOX, check and proof of delivery. |
4.2.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $254,022.85/ 68 months PITIA > min required of $0.00
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 45.48% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 563 | XXXXXX | XXXXXX | NC | 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 Returned no score. Clayton to order Desk Review. |
3/25/2026: CDA provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $254,022.85/ 68 months PITIA > min required of $0.00
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 45.48% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | NC | 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 | Missing the seller CD. |
3.30.2026 -Seller CD provided. |
3.30.2026 - Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in same profession for 15 years. Borrower 2 has been in same profession for 30 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $157,500.92 exceed required $0.00 reserves.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.35% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines at 1.50% . | |||||||||||||||||||||||||||||||||||||
| 411 | 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: 21+ years at present job
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.75%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | AZ | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.07%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $356,841.93 / 82.19 months PITIA > min required of $0 | |||||||||||||||||||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | AZ | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.07%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $356,841.93 / 82.19 months PITIA > 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 744 exceeds the guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI of 32.30% is below the maximum of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $205,176.85 or 53.18 mos. PITIA. DU required reserves = $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.69% | |||||||||||||||||||||||||||||||||||||
| 365 | 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. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 744 exceeds the guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI of 32.30% is below the maximum of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $205,176.85 or 53.18 mos. PITIA. DU required reserves = $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.69% | |||||||||||||||||||||||||||||||||||||
| 378 | 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: 18+ years at present job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.32 is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | TX | 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 | Texas Home Equity |
Active | C | C | C | C | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender |
Yes | Missing LO signature on FMV. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgages paid as agreed with no lates since 2018
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at primary residence
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 20.59 % | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | B | B | C | A | C | B | A | A | B | B | 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 (APOR) from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $25,305.00, max allowed is $23,130.93; ($2,174.07 too high). |
3/27/2026: Received bonafide fee docs. Loan is now Safe Harbor and fees <3%. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 60 Months verified no 30x lates
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 23.62 below 50% max
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying 726 FICO exceeds minimum 620 Fico requirements
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $71,757.27 (14.06 months PITIA reserves) > min required reserves of $0 | |||||||||||||||||||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | B | B | C | A | C | B | A | A | B | B | 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 (APOR) from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $25,305.00, max allowed is $23,130.93; ($2,174.07 too high). |
3/27/2026: Received bonafide fee docs. Loan is now Safe Harbor and fees <3%. |
3/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 60 Months verified no 30x lates
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 23.62 below 50% max
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying 726 FICO exceeds minimum 620 Fico requirements
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $71,757.27 (14.06 months PITIA reserves) > min required reserves of $0 | |||||||||||||||||||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | B | B | C | A | C | B | A | A | B | B | C | A | Property Valuations |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA declaration for XXX XXX and appraisal date XXX. |
3/27/2026: Client acknowledges Level 2 exception. |
3/27/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 60 Months verified no 30x lates
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 23.62 below 50% max
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying 726 FICO exceeds minimum 620 Fico requirements
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $71,757.27 (14.06 months PITIA reserves) > min required reserves of $0 | |||||||||||||||||||||||||||||||||||||
| 395 | 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 PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $25,259.18 or 5.46 months of PITIA.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage ration 0.67%. | |||||||||||||||||||||||||||||||||||||
| 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 |
Initial Securitization Credit Loan |
Final Securitization Credit Loan |
Initial Securitization Property |
Final Securitization Property |
Initial Securitization Compliance |
Final Securitization Compliance |
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 | |||||||||||||||||||||||||||||||||||||
| 395 | 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 PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $25,259.18 or 5.46 months of PITIA.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage ration 0.67%. | |||||||||||||||||||||||||||||||||||||
| 393 | 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 | Loan is PIW approved, Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $231,124.22 - $121,151,52 funds to close = $109,972.70 reserves.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2013 per CR.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 score exceeds 620 minimum. | |||||||||||||||||||||||||||||||||||||
| 393 | 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 PIW approved. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $231,124.22 - $121,151,52 funds to close = $109,972.70 reserves.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2013 per CR.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 score exceeds 620 minimum. | |||||||||||||||||||||||||||||||||||||
| 417 | 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 |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.44% is below guideline maximum 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $52,426.83 or 8.75 months of PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 417 | 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 approved PIW. Clayton to order BPO. |
3/25/2026: BPO provided supports appraised value. |
3/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.44% is below guideline maximum 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $52,426.83 or 8.75 months of PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 392 | 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 Close Assets are $49031.94 or x 13.20 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 fico score exceeds guidelines 620
CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Client Name: | PennyMac | |||
| Client Project Name: | PNMAC PMTLT 2026-CNF4 J16696 | |||
|
Conditions Report 2.0
|
||||
| Loans in Report: | 255 | |||
| Loans with Conditions: | 205 | |||
| 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 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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 418 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | 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 | Not Applicable | ||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | XXXXXX | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 16 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 19 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | No | ||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 424 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 425 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 428 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 429 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 432 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 433 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 350 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 37 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No |
| 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 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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 437 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 42 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 43 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 44 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 442 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | C | B | A | A | D | A | D | A | C | A | A | A | No | ||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | A | C | A | D | B | B | B | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 49 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 53 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 444 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | No | ||||||||||||||||||||
| 77 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 88 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 92 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | 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 | No |
| 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 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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 112 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 452 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 115 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Not Applicable | ||||||||||||||||||||
| 119 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 123 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 457 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 128 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 459 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | No | ||||||||||||||||||||
| 461 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | No | ||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 140 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 141 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | 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 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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 145 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 476 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 479 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 483 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | No | ||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 486 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 375 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 154 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 488 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 491 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 492 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 494 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 497 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 340 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 499 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 501 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 502 | 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 | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 168 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | No | ||||||||||||||||||||
| 172 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | 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 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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 179 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | C | C | D | D | D | D | A | A | C | C | No | ||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 183 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 342 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | Not Applicable | ||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | No | ||||||||||||||||||||
| 186 | 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 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 191 | 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 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 354 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 515 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 518 | 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 | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 519 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 356 | 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 | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | No | ||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | ||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | No | ||||||||||||||||||||
| 197 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 208 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 568 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 217 | 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 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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 219 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 222 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 229 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | XXXXXX | D | C | C | A | D | C | C | B | D | C | C | A | D | C | C | B | Not Applicable | ||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | D | B | A | A | D | B | D | B | D | A | A | A | Yes | ||||||||||||||||||||
| 238 | 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 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 399 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 249 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 250 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 523 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | No | ||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | D | B | B | D | D | A | A | D | D | B | B | 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 | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 265 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Not Applicable | ||||||||||||||||||||
| 526 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 274 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 275 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | No | ||||||||||||||||||||
| 394 | 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 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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 279 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | 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 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No | ||||||||||||||||||||
| 289 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | C | B | D | A | D | B | B | B | C | A | D | A | Not Applicable | ||||||||||||||||||||
| 291 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 292 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 294 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 295 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 296 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 303 | 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 | ||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 311 | 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 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Not Applicable | ||||||||||||||||||||
| 547 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 548 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable | ||||||||||||||||||||
| 323 | 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 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 |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 327 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 380 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Yes | ||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 408 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable | ||||||||||||||||||||
| 563 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Not Applicable | ||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | B | B | C | A | C | B | A | A | B | B | C | A | No | ||||||||||||||||||||
| 395 | 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 | ||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |