EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV6_J16909 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 422 | |
| Loans with Conditions: | 266 | |
| 51 - Total Active Conditions | ||||||
| 21 - Material Conditions | ||||||
| 7 - Credit Review Scope | ||||||
| 1 - Category: DTI | ||||||
| 1 - Category: Insurance | ||||||
| 2 - Category: Legal Documents | ||||||
| 3 - Category: Terms/Guidelines | ||||||
| 7 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| 6 - Category: Value | ||||||
| 7 - Compliance Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 5 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 30 - Non-Material Conditions | ||||||
| 9 - Credit Review Scope | ||||||
| 4 - Category: Credit/Mtg History | ||||||
| 1 - Category: DTI | ||||||
| 2 - Category: Income/Employment | ||||||
| 1 - Category: LTV/CLTV | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 21 - Compliance Review Scope | ||||||
| 2 - Category: Repayment Ability | ||||||
| 18 - Category: RESPA | ||||||
| 1 - Category: State Consumer Protection | ||||||
| 438 - Total Satisfied Conditions | ||||||
| 97 - Credit Review Scope | ||||||
| 9 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 5 - Category: Application | ||||||
| 14 - Category: Assets | ||||||
| 6 - Category: Credit/Mtg History | ||||||
| 18 - Category: DTI | ||||||
| 16 - Category: Income/Employment | ||||||
| 6 - Category: Insurance | ||||||
| 6 - Category: Legal Documents | ||||||
| 2 - Category: Re-Verifications | ||||||
| 10 - Category: Terms/Guidelines | ||||||
| 5 - Category: Title | ||||||
| 301 - Property Valuations Review Scope | ||||||
| 296 - Category: Appraisal | ||||||
| 1 - Category: FEMA | ||||||
| 1 - Category: Property | ||||||
| 3 - Category: Value | ||||||
| 40 - Compliance Review Scope | ||||||
| 23 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Documentation | ||||||
| 2 - Category: RESPA | ||||||
| 13 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 4 - Total Waived Conditions | ||||||
| 4 - Property Valuations Review Scope | ||||||
| 4 - 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-INV6_J16909 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 422 | |
| Loans with Conditions: | 266 | |
| Deal ID |
Loan 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1126 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Terms/ Guidelines |
Active | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Provide verification of correct subject address. Note, Mortgage, Title, Appraisal and Flood Cert do not match. Client advised borrower to re-execute note and mtg to correct property address. |
3/11/2026: Received Mortgage sent for re-recordation with subject address: XXXXXX. All other docs need corrected. |
3/11/2026: Exception remains, Level 2. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves 37.38 PITI reserves not required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min 620; Fico 768
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33%, max 50% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1126 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score 3.7, score is >2.5. Clayton to order desk review. |
4.25.26 Desk Review received value supported. |
4.25.26 Exception Satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves 37.38 PITI reserves not required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min 620; Fico 768
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33%, max 50% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 368 | 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: 724 Credit score exceeds guidelines minimum of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 14 years, 9 months.
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.Canceled
CFCFS2860: Good credit history - Clayton Comments: =Good credit history.Canceled |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 878 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
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 |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.16%; guidelines allow 75%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37.68% is below guideline maximum 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has significant time in profession of 20 years. Borrower 2 has significant time in profession of 23 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 878 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.16%; guidelines allow 75%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37.68% is below guideline maximum 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has significant time in profession of 20 years. Borrower 2 has significant time in profession of 23 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1133 | 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 | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File |
No | Missing evidence of receipt of HELOC Funds used in qualifying. XXXXXX HELOC Agreement is on page 953. |
3/12/2026: Lender rebuttal stating proof of transfer is not required, like a depository account. Clayton disagrees. Per FNMA B3-4.3- 15, proof of transfer to borrower is required.5/4/2026: Received wire receipt verifying transfer. |
3/12/2026: Exception remains.5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $104,641.43 or 37.64 months of PITIRequired PITI Reserves are $2779.79 x 2 = $5559.58
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has over 13 years with current employer. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Property | Satisfied | C | A | C | A | PRVAPROP243 | Property Shows Significant Deferred Maint. or Repairs Needed |
No | Missing Evidence black substance professional Inspection was completed by a professional |
5/12/2026: Received completed inspection. No fungus present. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have43 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.96% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | OH | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 781 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 183 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.61% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1127 | XXXXXX | XXXXXX | NC | 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 documents to support back ratio of 43% |
4/22/2026: Received payment history to show rent payment is split. DTI is 43.56%. |
4/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,006.66 or 11.19 months PITI reserves. No reserves required
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 62.04%. Max 75%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 752. Minimum score required 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1127 | XXXXXX | XXXXXX | NC | 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 | 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 | Ten percent tolerance fail of $133.00 for Title Abstract Fee -$12.50, Title Examination Fee -$10.00, Lender’s Title Insurance $93.00, Recording Fees and Other -$20.00, Title Closing Fee -$42.50, Document Prep Fee $25.00 and Document Prep Fee (2) $100.00 with no internal COC in file. Provide Internal COCs 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 |
3.6.2026 - COC provided |
3.6.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,006.66 or 11.19 months PITI reserves. No reserves required
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 62.04%. Max 75%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 752. Minimum score required 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1127 | XXXXXX | XXXXXX | NC | 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 | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | Missing proof the borrower has only paid half of the rent for the last 12 months. Only received 4 months and the borrower has paid more than half. Using the full payment back ratio 62.26 |
4/22/2026: Received payment history to show rent payment is split. DTI is 43.56%. |
4/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,006.66 or 11.19 months PITI reserves. No reserves required
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 62.04%. Max 75%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 752. Minimum score required 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1127 | XXXXXX | XXXXXX | NC | 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 >2.5. Clayton to order desk review |
2/26/2026: CDA provided supports appraised value. |
2/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,006.66 or 11.19 months PITI reserves. No reserves required
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 62.04%. Max 75%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 752. Minimum score required 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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/CU score due to property type. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been in her position over 20 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score of 811 exceeds program minimum of 640
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been self employed over 20 years as CPA |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 24 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Provide a clear copy of the XXXXXX payment info for XXXXXX. Doc on page 1079 of PDF is blurry. |
5/12/2026: Received clear Mtg stmnt. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,198.48 or 11.80 months of P&I. Reserves required $36,172.03
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 784, minimum required by G/L is 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The borrower has a 14 year credit history with 10 open and active tradelines 0X30 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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 third party valuation. Clayton to order desk Review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 820 mid score > min required of 620
CFCFS1746: Significant housing expense reduction - Clayton Comments: 14% decrease in housing payment
CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at primary residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $859,656.84 or 239.21 months PITIA > min required of $21,562. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 credit score; minimum required fico 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19.67 years with current employer
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in the same profession |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 96 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV below guideline requirements
CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.57% DTI Below guidelines requirement of 50%
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: B1 have worked in the same profession for 27 years
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for 10 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 credit score exceed guideline minimum of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
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. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The Reserve Requirement for this file is 6 Month. The Borrower has documented 14 Months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 11 years. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 established. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of consumer credit. Credit line usage 0.92%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 4 years in same line of work.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 27 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 802 > min required score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 148 months > max permitted of 0 X 30 X 12 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X over 60 months > max permitted of 0 X 30 X 12 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 378 | 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 781 is 161 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 179 months.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 288 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $51,052.38/26.02 PITIA which is > guideline minimum. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | AZ | 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 | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry |
No | File does not contain a copy of the Seller CD or HUD-1 Settlement Statement. Conformation all Seller Fees are disclosed on final CD is not possible. |
05.15.2026 - Client provided copy of Seller HUD-1 certified copy |
05.15.2026 - Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 17 years and 9 months in current profession.
CFCFS1736: Significant time at current residence - Clayton Comments: 4 years and 9 months in current residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | AZ | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 17 years and 9 months in current profession.
CFCFS1736: Significant time at current residence - Clayton Comments: 4 years and 9 months in current residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | AZ | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 17 years and 9 months in current profession.
CFCFS1736: Significant time at current residence - Clayton Comments: 4 years and 9 months in current residence. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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 reserves of $18,324.94 exceeds LP requirement of $11,293.50.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Previous Mortgage payment history 0 X 30 over 89 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 42.68% is below maximum allowed of 45%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 5 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 Credit score exceeds minimum required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17 | XXXXXX | XXXXXX | CT | 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 documentation for assets in the amount of $18,316.62 per LP |
5/12/2026: Received XXXXXX bk stmnt. Assets/ reserves verified. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x324
CFCFS1744: DTI below guideline requirement - Clayton Comments: : Borrower DTI is >35.47points below guideline maximum
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x96 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 403 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
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 CU/LCA score due to property type. Clayton to order Desk Review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 26 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $652,574.30 / 257.66 months PI > min required of $20,189.68 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 46 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 (or CU) score is >2.5. Clayton to order desk review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 Credit score exceeds guidelines of 620.
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 12 years, 3 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years, 11 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $154,704.76 or 56.87 months PITIA exceed the LP required amount of $35,459.92. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
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 |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $598,301.12 or 74.82 months of P&I. Reserves required $225,977.94, 8 months’ reserves based on 9 total financed properties
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 45%, max allowed by G/L is 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 794, minimum required by G/L is 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | ME | 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. |
5/18/2026: Received BPO supporting value. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $215,189.11/81.28 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained the current job for 218 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 7.90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | ME | 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. |
5/18/2026: Received BPO supporting value. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $215,189.11/81.28 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained the current job for 218 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 7.90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $119.08 due to Pest Inspection increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
05.15.2026 - client provided rebuttal that neither the appraiser nor the lender required a Pest Inspection $119.08- Borrower obtained through their chosen title company (XXXXXX) therefore is not subject to tolerance |
05.15.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $258,750.70/130.70 PITIA which is > guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.38% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 470 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 5.14%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers has resided at current primary residence for 289 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 86 | 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 |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI is 36.72%. Guidelines maximum allows 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $151,995.84 or 32.79 months of PITIA.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 86 | 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. |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI is 36.72%. Guidelines maximum allows 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $151,995.84 or 32.79 months of PITIA.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score is > minimum required score of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closed Assets of $653959.52 > minimum required of $24,521.64
CFCFS2860: Good credit history - Clayton Comments: Borrower(s) have 0/30 for 99 months
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower(s) have 77 months mortgage payment history of 0/30
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.51% and is < maximum allowed of 45.00% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | AZ | 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 | 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 | Missing evidence of change of circumstances letter for the Broker Fee of $5872.50 between the LE XXXXXX and the PCCD XXXXXX or a copy of the refundable check for zero tolerance fee. |
5/11/26 - COC provided showing borrower paid broker fee. |
5/11/26 - Exception satisfied. |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 27.39% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 802 median FICO. Min required 620. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | AZ | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 27.39% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 802 median FICO. Min required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | AZ | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 27.39% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 802 median FICO. Min required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1135 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory events.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 745 > is above guideline minimum credit score 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 75.00% is 10 points below the program guideline maximum 85%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Post closing reserves $25,733.43 or 6.95 months PITIA. Reserves required per LP approval $29.728.56. Short $3,995.13 to meet guidelines. |
5/26/2026: Received additional assets. Reserves are now met, $139,030.77 verified. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrowers have another S/E business with positive income, not using due to less than 2 year history
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.00%
CFCFS2860: Good credit history - Clayton Comments: 811 mid score > min required of 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
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 | No LCA score due to property type. Clayton to order Desk Review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrowers have another S/E business with positive income, not using due to less than 2 year history
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.00%
CFCFS2860: Good credit history - Clayton Comments: 811 mid score > min required of 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 50 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
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 3.5. Clayton to order desk review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
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
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job 8 years
CFCFS1750: High potential for increased earnings - Clayton Comments: High potential for increased earnings- Rental Income subject |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves post close $172,853.03 AUS required $15,987.57. CFCFS2860: Good credit history - Clayton Comments: Borrower has only a few open accounts with small balances. CFCFS1750: High potential for increased earnings - Clayton Comments: Given the industry borrower works in, and current earnings she has the potential to increase XXXXXX salary. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | NV | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 credit score exceeds program minimum of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 58 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have more than 30 months reservesAssets: $70,627.33 verified, matches lender. Less cash to close $352.18 = $70,275.15 reserves. DU required reserves $19,371.59 = $50,627.14 total reserves = 31 months |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | FL | 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 | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Missing the lease for XXXXXX |
5/21/2026: Received Lease Agr for XXXXXX and rental income calcs for XXXXXX REO. XXXXXX REO PITI is fully in DTI. XXXXXX is two unit borrower primary. Added net rent, DTI is 49.04%, within tolerance of lender. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self employed over 11 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 774. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $368,004.24 or 100.33 months PITI reserves. Required reserves $32,891.54 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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 75%; guidelines allow 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $423,929 > required $21,707.40 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.36% is below guideline maximum 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at current job for 22 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.63% is below guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 12 years. Coi-borrower has been at current address for 8 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves in the amount of $143,463.26 exceed the required reserves amount of $84,776.59. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job 8 years 3 months. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 375 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 44 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 35% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 fico score exceeds guidelines 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $236219.83 or 63.85 months of P&I |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3658 | TRID — Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance |
No | APR increased over tolerance, however the CD’s prior to closing have no confirmed receipt dates. For further testing, provide the confirmed receipt dates for the Initial and Interim CD’s. Additional conditions may apply |
5/11/26 — Lender provided confirmation for CD dated XXXXXX. |
5/11/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 277 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 14.13% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 18+ years at present job CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
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 is >2.5. Clayton to order desk review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 exceeds minimum fico requirement of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only 17.09% CFCFS1736: Significant time at current residence - Clayton Comments: Over 27 years at the same address |
Complete | ||||||||||||||||||||||||||||||||||||||
| 149 | 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 | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have277 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $179,545.92 > Required Reserves of $78,098.26 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18+ years at present job CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 14.13% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | OR | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets |
No | Missing all asset statements — LP findings requires $18732.30 in reserves. |
5/12/2026: Received XXXXXX statement meeting reserves requirement. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Current company 19 years CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 fico exceeds 620 minimum |
Complete | ||||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | OR | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | 5/12/2026: Exception added after review of trailing docs: Received XXXXXX to meet reserves requirement. Account is owned by XXXXXX. Provide the Trust Agreement or Certification of Trust verifying B2 has full access to funds. |
5/26/2026: Received verification B2 has access to Trust funds. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Current company 19 years CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 fico exceeds 620 minimum |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | OR | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score exceeds 2.5. Clayton to order desk review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Current company 19 years CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 fico exceeds 620 minimum |
Complete | ||||||||||||||||||||||||||||||||||||||
| 433 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 12 +years. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 260 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 433 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 12 +years. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 260 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 654 | 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 | Missing updated valuation to support original appraised value |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a minimal use of credit utilization of 4.48% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 732 exceeds the minimum credit score of 620 CFCFS2860: Good credit history - Clayton Comments: Borrowers have maintained a positive credit history with no historical delinquencies. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 397 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Hazard coverage is insufficient to cover loan amount of $XXXXXX. |
5/14/2026: Received Condo Master dec page. GRC. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.69%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 13+ years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 397 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title |
No | Missing Title. |
5/14/2026: Received Final Title. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.69%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 13+ years. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | KY | 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: 773 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.64% CFCFS1736: Significant time at current residence - Clayton Comments: 17 years at primary residence |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 | UCDP score 3.6 >2.5 — Clayton to order desk review |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 815 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 23 years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.23% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | B | C | B | D | B | A | A | D | B | C | B | D | A | A | A | Credit | Credit/Mtg History |
Active | B | B | B | B | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Credit Report dated 2/23/2026 reflects a XXXXXX inquiry dated 1/21/2026. Loan file does not contain a Letter of Explanation. Unknown if new account was opened. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.46% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.9%; guidelines allow 85% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | B | C | B | D | B | A | A | D | B | C | B | D | A | A | A | Credit | Income/ Employment |
Active | B | B | B | B | CRDINC2340 | Employment verification does not meet guidelines |
No | Per DU AUS final approval dated XXXXXX Cash Flow Analysis (Form 1084) is required; however, is not located in loan file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.46% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.9%; guidelines allow 85% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | B | C | B | D | B | A | A | D | B | C | B | D | A | A | A | Credit | Re-Verifications | Satisfied | C | A | C | A | CRDRVRFC1803 | Debts/ Obligations that were not discl at origination revealed through independent re- verification |
No | Provide proof XXXXXX. Mortgage is not on credit report but borrower’s name is on the mortgage statement. |
6/3/2026: Received updated DU #21, 1008 and Final 1003. The PITI used is $2,982. The mortgage stmnt in the file $3,764.59. Lender included $2,982 in DTI, verifying 19.54%. Clayton updated DTI is 20.04% and within tolerance. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.46% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.9%; guidelines allow 85% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | B | C | B | D | B | A | A | D | B | C | 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 approved PIW. Clayton to order BPO. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.46% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.9%; guidelines allow 85% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | B | C | B | D | B | A | A | D | B | C | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.46% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 300 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.9%; guidelines allow 85% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 434 | 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 |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 20 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $230,732.06 or 50.81 months PITI reserves. Required reserves $24,146.17 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 754. Minimum required 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 20 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $230,732.06 or 50.81 months PITI reserves. Required reserves $24,146.17 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 754. Minimum required 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.31% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 227 months. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.42 is significantly below maximum DTI allowed CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of over $111,000 well exceed required reserves per guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 exceeds guideline minimum |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 859 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Provide most recent month asset account statement for XXXXXX noted on Final 1003. |
5/13/2026: Received 2/28/2026 XXXXXX stmnt with $628,536.29 balance used. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 5.61% is below guideline maximum 45%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 859 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 4.2. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 5.61% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | IN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 754 median FICO. Min required 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence- B2 -over 19 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 754 median FICO. Min required 620. CFCFS1739: Positive mortgage payment history - Clayton Comments: 3 Mortgaged Properties -Positive mortgage payment history |
Complete | ||||||||||||||||||||||||||||||||||||||
| 541 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence- B2 -over 19 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 754 median FICO. Min required 620. CFCFS1739: Positive mortgage payment history - Clayton Comments: 3 Mortgaged Properties -Positive mortgage payment history |
Complete | ||||||||||||||||||||||||||||||||||||||
| 867 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
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 31.89% is below guideline maximum 50%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 32 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 868 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Credit/Mtg History |
Active | B | B | B | B | CRDCRMH193 | Length of mortgage/ rental history in file does not meet guideline requirement |
No | Missing mortgage payment history for investment property located XXXXXX financed with XXXXXX. Savings Bank reflecting not currently delinquent and max permitted 1x30 x12. Anticipated PITIA payment is $1,495.00. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $3,534,532.83 (1,322.21 months PITIA reserves) > min required reserves of $69,505.09 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 868 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance |
No | Missing homeowners’ policy for subject property located XXXXXX. Coverage to be at least $XXXXXX and anticipated annual premium to be approx $1,000/year. |
5/14/2026: Received HOI dec page and RCE. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $3,534,532.83 (1,322.21 months PITIA reserves) > min required reserves of $69,505.09 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 868 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score not provided due to property type. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $3,534,532.83 (1,322.21 months PITIA reserves) > min required reserves of $69,505.09 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 650 | XXXXXX | XXXXXX | NV | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Lender verified 43.74% DTI per DU #13 run XXXXXX. Clayton verified 46.69% DTI due to lower verified Retirement income. Final 1003 shows $12,958/month for Retirement. Clayton verified $12,022.08/month based on 2024 1099R and 2024 1040SRs. Provide documentation to show the higher income or re-run DU with Approve/Eligible with higher DTI. |
6/2/2026: Received two Retirement Award Letters: $1,560.83/mo & $11,397.28/mo — both for lifetime. DTI is now 43.83%. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Overall cood credit hitory and score. Fico 768, no recent late payments or delinquencies. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has a positive mortgage payment history for the primary and subject. There are no late payments reported for either. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 650 | XXXXXX | XXXXXX | NV | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Overall cood credit hitory and score. Fico 768, no recent late payments or delinquencies. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has a positive mortgage payment history for the primary and subject. There are no late payments reported for either. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 650 | XXXXXX | XXXXXX | NV | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Overall cood credit hitory and score. Fico 768, no recent late payments or delinquencies. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has a positive mortgage payment history for the primary and subject. There are no late payments reported for either. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 428 | 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: Zero consumer debt obligations CFCFS1734: Borrower has significant time at current job - Clayton Comments: 30 years self employed verified using business filing date. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
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 @ 11.37%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at present job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have542 months mortgage payment history 0x30. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 657 | XXXXXX | XXXXXX | OR | 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 | Fannie Mae UCDP CU 2.6 score is >2.5. Clayton to order desk review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 791 > min required score of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 64 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 138 months > max permitted of 0 X 30 X 12 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 8.5yrs tenure with current self-employed business CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below maximum allowed guideline maximum of 85% CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 792 Median Credit Score, Oldest Trade 11/1993, 2% Revolving Usage |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | WY | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | D | A | D | A | D | A | A | 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 | 5/18/2026: Exception added after review of trailing docs: Clayton verified fees exceed 3% allowed even after bonafide fee applied. Fees total 4%. |
5/21/2026: Received proof of business use. Fees no longer apply. |
5/21/2026: Exception satisfied, |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4.75yrs tenure with primary income employer
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 771 median credit score, 3% usage, oldest trade 6/2002
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.08% below maximum allowed guidelines of 45% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | WY | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | D | A | D | A | D | A | A | 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 | 5/18/2026: Exception added after review of trailing docs: Clayton verified fees exceed 3% allowed even after bonafide fee applied. Fees total 4%. |
5/21/2026: Received proof of business use. Fees no longer apply. |
5/21/2026: Exception satisfied, |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4.75yrs tenure with primary income employer
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 771 median credit score, 3% usage, oldest trade 6/2002
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.08% below maximum allowed guidelines of 45% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | WY | (No Data) |
ATR/ QM: Exempt |
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 | -Missing verification of PITI and association dues (noted on the 1040) for XXXXXX. Unknown if the credit report payment is full PITI. Statement not provided- Missing verification of PITI payment for XXXXXX in the amount of 1419.21/XXXXXX. Current statement provided XXXXXX $631.81. |
5/18/2026: Received 1st Payment Letter and HOA info for both REOs. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4.75yrs tenure with primary income employer
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 771 median credit score, 3% usage, oldest trade 6/2002
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.08% below maximum allowed guidelines of 45% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | WY | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | -Missing verification of PITI and association dues (noted on the 1040) for XXXXXX. Unknown if the credit report payment is full PITI. Statement not provided- Missing verification of PITI payment for XXXXXX in the amount of 1419.21/XXXXXX. Current statement provided XXXXXX $631.81. |
5/18/2026: Received 1st Payment Letter and HOA info for both REOs. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4.75yrs tenure with primary income employer
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 771 median credit score, 3% usage, oldest trade 6/2002
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.08% below maximum allowed guidelines of 45% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | WY | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER146 | Missing lender’s loan approval/ underwriting form |
No | Missing updated loan approval from LP/Lender excluding XXXXXX income and corrected rental debt/income. LP approval at 9%. Actual 20.08% Lender rent income XXXXXX $2303, actual $846.41 Lender rent income XXXXXX $2304, actual $95.58 PITIA to be verified on XXXXXX — open conditions |
5/18/2026: Income updated. DTI verified is 21.09%. LP is 9% on latest submission. Provided updated LP Accept within 3% tolerance.5/29/2026: Received updated LP to show 15% DTI, updated 1008 and 1003. Clayton DTI is now 11.98% after re-reviewing rental income. Lender DTI is within tolerance. |
5/18/2026: Exception remains.5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4.75yrs tenure with primary income employer
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 771 median credit score, 3% usage, oldest trade 6/2002
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.08% below maximum allowed guidelines of 45% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 647 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | 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 | Missing evidence property XXXXXX listed on 2024 1040 schedule E and not on application REO, has been sold. |
5/21/2026: Received docs to shows REO sold 11/2025. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $1,450,413 post closing assets verified. Min $54,296.22 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max 45%. DTI 37.54 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 647 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 | DU CU Score = 2.6. Clayton to order Desk Review. |
5/12/2026: Received CDA supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $1,450,413 post closing assets verified. Min $54,296.22 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max 45%. DTI 37.54 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 485 | 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: Qualifying FICO of 727 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 38.51 is lower than max DTI allowed 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, B1 has been with current employer since 12/19/2008. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 864 | XXXXXX | XXXXXX | CO | 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 | CU score is unavailable, Missing updated valuation, Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Over 7 years at current residence.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.62% is below DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $323,240.66 or 153.05 months PITIA. Required Reserves by AUS $4,223.96 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 618 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Missing pay stub with YTD income or VOE required per LP approval condition #FEI0069. |
5/4/2026: Received 2/4/2026, 1/6/2026 paystubs and W2s. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 124 months with 0x30 mortgage payment history exceeds guideline required 12 months.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 5 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 Credit score exceeds guidelines of 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Provide 2024 W2s for both borrowers for W2 income claimed on 1120-S and 1040s. |
5/28/2026: Received 2024 W2s for both borrowers. |
5/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #36 months,
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower and Co-Borrower have been self-employed > #7 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 708 / 705 exceeds minimum of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 855 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
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 | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Clayton verified non-QM due to fees exceeding 3%. total charged 4.574%. |
5/26/2026: Received ATR Exempt status and proof Business Purpose. Fees are acceptable. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.43 LTV below guideline minimum 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 59+ months of positive payment history with 0x30 lates
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 FICO exceeds guideline minimum 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.53% DTI below guideline maximum 50% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 855 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
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 | Clayton verified non-QM due to fees exceeding 3%. total charged 4.574%. |
5/26/2026: Received ATR Exempt status and proof Business Purpose. Fees are acceptable. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.43 LTV below guideline minimum 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 59+ months of positive payment history with 0x30 lates
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 FICO exceeds guideline minimum 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.53% DTI below guideline maximum 50% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 855 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
5/26/2026: Received ATR Exempt status and proof Business Purpose. Fees are acceptable. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.43 LTV below guideline minimum 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 59+ months of positive payment history with 0x30 lates
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 FICO exceeds guideline minimum 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.53% DTI below guideline maximum 50% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 855 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Final AUS run requires $27899.02 for verified reserves, only $22191.20 documented. Provide additional assets |
5/18/2026: Received updated LP #15 showing $14,750.32 reserves required. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.43 LTV below guideline minimum 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 59+ months of positive payment history with 0x30 lates
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 FICO exceeds guideline minimum 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.53% DTI below guideline maximum 50% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 855 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
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 3.5 greater than 2.5. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.43 LTV below guideline minimum 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 59+ months of positive payment history with 0x30 lates
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 FICO exceeds guideline minimum 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.53% DTI below guideline maximum 50% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 914 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | File missing borrower VVOE doc. |
5/12/2026: Received XXXXXX VVOE. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x56
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 140 points above guideline minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years & 7 months at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 7 points below guideline maximum. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 914 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation CU score is > 2.5. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x56
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 140 points above guideline minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years & 7 months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 7 points below guideline maximum. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1070 | XXXXXX | XXXXXX | MO | 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 4 > 2.5. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline requirement 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 45% DTI below guideline requirement 50%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $1,376,569.12 verified cash reserves exceed guideline 3 month requirement $14332.38 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 FICO exceeds 620 guideline minimum CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 50+ months of positive payment history with 0x30 lates |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1071 | 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 |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 13+ years at current job
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline maximum 90%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $140974.30 in verified cash reserves exceed guideline requirement $6062.14 (3months) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO exceeds guideline minimum 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has 19+ years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.78 DTI below guideline maximum 45% CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 9+ years at current residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1071 | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 13+ years at current job
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline maximum 90%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $140974.30 in verified cash reserves exceed guideline requirement $6062.14 (3months) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO exceeds guideline minimum 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has 19+ years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.78 DTI below guideline maximum 45% CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 9+ years at current residence |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 860 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3662 | TRID — Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance |
No | APR Paystream violation due to difference of 0.1975 % exceeding the max allowed of 0.1250%. |
05.15.2026 — Client provided Disclosure Tracking that verifies CD XXXXXX was received by both borrower 4 business days prior to close |
05.15.2026 — Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $3,038,035 in post closing reserves. $15,086 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 12.62% DTI. Max 45% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 860 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing XXXXXX business verification verifying businesses active. |
5/12/2026: Received XXXXXX VVOE — business is active. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $3,038,035 in post closing reserves. $15,086 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 12.62% DTI. Max 45% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 458 | 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 |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.30%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39,983.30 / 12.87 months PITIA > min required of $0
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75; guidelines allow 90%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 458 | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.30%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39,983.30 / 12.87 months PITIA > min required of $0
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75; guidelines allow 90%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 610 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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 3.2. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6 years at current job.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $162,054.18 or 70 months PITIA reserves > min required $92,428.50.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 middle fico score > min required 620. CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio 23.07%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 861 | XXXXXX | XXXXXX | AL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 10 years
CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 19.60% is below maximum allowed of 45%
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CO-Borrower has been at current employer for 7 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 66 months |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 653 | XXXXXX | XXXXXX | NJ | 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 | Federal Consumer Protection |
Active | C | C | C | C | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination |
Yes | NMLS search shows the Lender XXXXXX and LO licenses were not active at time of disbursement on XXXXXX. Renewed through date is 2025. Provide documentation that shows Lender and LO have active licenses as of app date XXXXXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned Primary home for 7 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 7 years at current job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 0x30x40 months exceeds the required 0x30x12 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 653 | XXXXXX | XXXXXX | NJ | 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 | Missing Updated Valuation: No CU score established. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned Primary home for 7 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 7 years at current job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 0x30x40 months exceeds the required 0x30x12 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 739 | XXXXXX | XXXXXX | SD | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 850 | 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: 720 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $97,305.71 / 44.14 months PITIA > min required of $33,822.80.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 851 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69%; guidelines allow 80%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 782 mid score > min required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 725 | XXXXXX | XXXXXX | MI | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 fico exceeds minimum 620
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years in current home
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years with current company |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1076 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 15 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 770. Minimum required score 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $33,247.78 or 14.84 months PITI reserves. Required reserves $20,219.45 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1078 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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 2.6 >2.5. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 25.17 years in the same profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $43,812.73 or 13.67 months of PITI.Required Reserves are $19,224.31.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 12/9/2011, reporting 0x30 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1079 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | Lender used PITIA of $4154.78 for primary residence, this amount does not include $415 for the HOA dues. |
5/18/2026: Received updated AUS, 1008m 1003. Primary PITIA is $4,154.78 PITI + $34.58/mo HOAQ. DTI is now 48.01%. Lender verified 48.18%. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.54%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has99 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1079 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
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 Score 2.6. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.54%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has99 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 873 | XXXXXX | XXXXXX | VA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Purchase date/ conversion date on investment properties not clearly documented while lease agreement/ most recent months’ receipt used to determine. Missing tax returns/ schedule E for any property not purchased or placed into service in the previous calendar year. Regarding: XXXXXX. Subject property appraisal is also missing rent schedule. |
5/14/2026: Received Lease Agreements for both REOs. XXXXXX has two tenants. Used 75% of all gross rent. DTI is now 37.56%. Lender also verified full PITI of subject was used. No offset rent. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 fico exceeds 620 minimum
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 4 years in current roles
CFCFS2860: Good credit history - Clayton Comments: 0x30 no derogatory marks |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1080 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
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 deskreview. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.69% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 85%; guidelines allow 90%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 913 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 X 50 months > max permitted of 0 X 30 X 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 807 > min required score of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 328 months > max permitted of 0 X 30 X 12 months. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 875 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Re-Verifications | Satisfied | C | A | C | A | CRDRVRFC1803 | Debts/ Obligations that were not discl at origination revealed through independent re- verification |
No | XXXXXX loan payment reflecting on XXXXXX for 1316, letter of explanation is required |
5/4/2026: Lender verified account on bk stmnt is same as one noted on credit report. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 fico score exceeds guidelines 620
CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $147793.59 or 75.26 months of P&I |
Complete | ||||||||||||||||||||||||||||||||||||||
| 920 | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $3,311,260.99 exceeds required reserves $6,159.00.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of consumer credit. Credit line usage 11.14%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No derogatory mortgage related items reported on CBR. All prior mortgage history reports 0x30 with 9 mos. and 52 mos. history reporting. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 920 | 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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $3,311,260.99 exceeds required reserves $6,159.00.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of consumer credit. Credit line usage 11.14%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No derogatory mortgage related items reported on CBR. All prior mortgage history reports 0x30 with 9 mos. and 52 mos. history reporting. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 723 | XXXXXX | XXXXXX | FL | 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. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0 x 30 in 99 months
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 8 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 18 years and 1 month. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1128 | 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 | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Lender verified 22% DTI per LP #9 in the file. Clayton verified 29.59%, exceeding 3% tolerance. Lender grossed up XXXXXX Retirement income. The 1040s and XXXXXX Retirement statements show income is taxed. Verified $4,337.41 per statement on page 357 of PDF. Lender used $5,573 after grossing up income. Provide updated LP Findings with DTI within tolerance of 29.59% verified. |
3/12/2026: Lender rebuttal states XXXXXX Retirement is non- taxable. Clayton disagrees. Per Retirement Statement, $4,553 is monthly gross = $54,636 annual Statement also shows $46,825.24 is taxable = $3,901.10/month + $650.90 for non- taxable portion = $4,714.72/month. DTI is now 28.92%. Still >3% tolerance.4/22/2026: Received LP #10 showing 22% DTI along with XXXXXX Annuity statement and XXXXXX COE showing $4,459 monthly disability, which is non- taxable income. Updated income and DTI is now 21.87%. |
3/12/2026: Exception remains.4/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $34,778.65 with $15,355.80 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.59% DTI with a 45% max DTI allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 score with a min 620 required |
Complete | ||||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
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 (or CU) score is >2.5. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 784. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $66,608.31 or 25.13 PITIA.Reserves required per DU approval $37,240.54. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 18.43% CFCFS1736: Significant time at current residence - Clayton Comments: 12 years and 5 months in current residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 174 | 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 closing assets $765,726.81 or 600.62 months PITI reserves. Required $15,283.12 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 794. Minimum required 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing borrower letter of explanation or other satisfactory documentation to support no HOA expense for primary residence as qualified with. Zillow print out provided does not support if there is an HOA or not. |
5/13/2026: Received verification, no HOA. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 66%Max allowed for investor loans 80%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at current employer for more than 30 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for more than 10 years. CFCFS2860: Good credit history - Clayton Comments: Borrowers do not have any derogatory items listed on the credit report. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score 3.8>2.5 Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 66%Max allowed for investor loans 80%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at current employer for more than 30 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for more than 10 years. CFCFS2860: Good credit history - Clayton Comments: Borrowers do not have any derogatory items listed on the credit report. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 227 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been with the employer for 16 years CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been with the same employer for 16 Years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower’s credit score of 788 exceeds minimum requirement |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 488 | XXXXXX | XXXXXX | CT | (No Data) |
ATR/ QM: Exempt |
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 > 2.5. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 34 mos. 0x30. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 12 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years in same line of work. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 167 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER146 | Missing lender’s loan approval/ underwriting form |
No | Provide the final 1008 loan approval/ underwriting form. |
5/12/2026: Received 1008. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 782. Minimum score per program is 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37.56% is below guideline maximum 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.08% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 960 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.34% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 16.65% is below guideline maximum 50%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 916 | 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 | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.18% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1096 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 164 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $328544.91 / 114 months PITIA > min required of $113739.12. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.95% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Lender to provide LOX and verification for which DU Findings were used. File has three set of DU Findings: Casefile #XXXXXX, #XXXXXX, #XXXXXX. Additional conditions may apply. |
5/4/2026: Received DU #4 casefile #XXXXXX, with 1008 matching this info. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $528,458.17 in post-closing reserves or 243.88 months PITI.DU requires $17,229.35 reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 769 FICO score. Minimum required 620. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No CU score returned due to property type. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $528,458.17 in post-closing reserves or 243.88 months PITI.DU requires $17,229.35 reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 769 FICO score. Minimum required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 865 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | 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 | Missing evidence of primary residence is free and clear, and provide proof of taxes, insurance, and HOA (if applicable). |
5/14/2026: Received HOI, taxes and proof owned F&C. No HOA. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have137 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.00% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 865 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation CU score in file is >2.5, Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have137 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.00% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC2516 | MI coverage does not meet guidelines |
No | 5/4/2026: Exception added after review of trailing docs: Loan closed with $XXXXXX loan amount. The MI cert is for $XXXXXX loan amount and therefore showing higher MI monthly. Provide corrected MI cert. |
5/28/2026: Received corrected MI Cert. |
5/28/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $326394.59 or 110.80 months of P&I CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 fico score exceeds guidelines 620 CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Missing MI Certificate |
5/4/2026: Received MI cert. |
5/4/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $326394.59 or 110.80 months of P&I CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 fico score exceeds guidelines 620 CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 746 is 126 points above minimum program requirement of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 136 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $100,765.95/47.20 PITIA which is > guideline minimum. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 684 | 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: 29+ years with present employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 FICO exceeds minimum 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 229 | 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. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 20% DTI below guideline max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 fico score exceeds guidelines 620 CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 36 years at primary residence. CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has 10 years at line of profession. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI OF 36.59 is below max of 50%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0 x 30 in 97 months CFCFS2860: Good credit history - Clayton Comments: Borrowers have 0 x 30 on all accounts and no derogatory credit CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has excess available assets in the amount of $13,754.31 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have57 months of current mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $115,414.34 / 17.71 months PITI > min required of $39,108.60. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 25 years. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXXXXX | XXXXXX | NV | (No Data) |
ATR/ QM: Exempt |
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 |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73%; guidelines allow 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $147,798.77 > required $18,997.56 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.9% is below guideline maximum 50%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 180 | XXXXXX | XXXXXX | NV | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73%; guidelines allow 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $147,798.77 > required $18,997.56 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.9% is below guideline maximum 50%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The co borrower has been at their same employer for 5 years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The borrower’s middle fico score of 770 exceeds guideline minimum |
Complete | ||||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The co borrower has been at their same employer for 5 years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The borrower’s middle fico score of 770 exceeds guideline minimum |
Complete | ||||||||||||||||||||||||||||||||||||||
| 866 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27% DTI below guideline requirement max DTI 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 fico score exceeds guidelines 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 866 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27% DTI below guideline requirement max DTI 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 fico score exceeds guidelines 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 688 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST115 | Cash reserves do not meet guidelines |
No | Cash reserves of ($1,557.02) does not meet guidelines. |
5/13/2026: Received additional assets. Verified $61,189.28 in reserves, exceeding AUS requirement. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 809 is 189 points above program minimum requirement of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 80%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 688 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 acceptable Bank statements for XXXXXX. Was not provided in file. |
5/13/2026: Received additional assets. Loan now meets FTC and reserves. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 809 is 189 points above program minimum requirement of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 80%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 688 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Provide acceptable Bank statements for XXXXXX. Was not provided in file. |
5/13/2026: Received additional assets. Verified $61,189.28 in reserves, exceeding AUS requirement. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 809 is 189 points above program minimum requirement of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 80%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | TX | 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 | Missing most recent 1040’s including Schedule E for rental income verification. |
5/13/2026: Received 2024 1040s. Verified rental income. DTI is now 44.23%. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 772 median FICO. Min required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | TX | 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 | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Missing XXXXXX 403B statement for $14,332.19. |
5/13/2026: Received 12/31/2025 qtrly stmnt. Borr2 is XXXXXX, 100% value is allowed. Reserves requirement now met. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 772 median FICO. Min required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | TX | 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 | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation |
No | Missing most recent 1040’s including Schedule E for rental income verification. |
5/13/2026: Received 2024 1040s. Verified rental income. DTI is now 44.23%. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 772 median FICO. Min required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 690 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Hazard must reflect guaranteed replacement cost or additional coverage is required. |
6/2/2026: Received PUD HOA Master. Coverage requirement is met. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 772 exceeds minimum fico of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only 3.39% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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; 6 years and 2 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.28% LTV below guideline requirements of 75.00% per program. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL1817 | Final HUD- 1 is incomplete or illegible |
No | Final CD XXXXXX, hand signed XXXXXX, was incomplete; missing pages. |
05.15.2026 - Client provided full copy of final CD XXXXXX |
05.15.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 125 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.31%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 872 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 208 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have25 months mortgage payment history 0x30. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 623 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Terms/ Guidelines |
Active | C | C | C | C | CRDTER3256 | Seller contributions exceed guideline requirements |
Yes | Investor purchase, $XXXXXX sales price. Max seller credit allowed is 2% of Sales Price or $6,800. Per page three of Final CD, seller credited a total of $8,000. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x84 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 193 points above guideline minimum of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 10 | 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 approved PIW. Clayton to order BPO. |
5/13/2026: received BPO supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x84. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 793 exceeds min score requirement of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 7 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 72 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 10 | 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. |
5/13/2026: received BPO supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x84. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 793 exceeds min score requirement of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 7 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 72 months. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration for XXXXXX and appraisal date XXXXXX |
4/29/2026: Client acknowledges Level 2 exception, public only. |
4/29/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 8/2001, reporting 0x30 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $186,311.29 or 34.77 months PITI; $121,353.58 Required Reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0X30X46 mortgage payment history |
Complete | ||||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
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 approved PIW. Clayton to order BPO. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 790 mid FICO score. Minimum required is 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $111,681.19, required reserves per AUS are $28,779.84. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.69% is below guideline max DTI of 45.0%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 790 mid FICO score. Minimum required is 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $111,681.19, required reserves per AUS are $28,779.84. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.69% is below guideline max DTI of 45.0%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
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 | No inspection for FEMA disaster #XXXXXX declared XXXXXX. Latest AUS run XXXXXX. PDI report required to verify no damage. |
4/30/2026: Client acknowledges Level 2 exception, Public assistance only. |
4/30/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 790 mid FICO score. Minimum required is 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $111,681.19, required reserves per AUS are $28,779.84. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.69% is below guideline max DTI of 45.0%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1136 | XXXXXX | XXXXXX | AL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.72% LTV below guideline requirements of 85.00% per program.
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 805 is 185 points above program guideline minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.77% DTI is below guideline requirement of 50.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 16 years and 9 months |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 292 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File |
No | Missing verification of 200 day moving average of stock to accurately calculate B1 RSU earnings. |
5/13/2026: Received doc showing $159.94 200 day avg. X 760 shares /24 = $5,064.77/month income as lender shows. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 14 mos. 0x30, 61 mos. 0x30, 25 mos. 0x30 and 22 mos. 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 15 years in same line of work. B2 has 10 years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $692,863.72 exceed required reserves $22,702.44. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO not supporting value. |
5/15/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 2% consumer credit utilization in file.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO not supporting value. |
5/15/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 2% consumer credit utilization in file.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 | 5/15/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
5/26/2026: Received 2055 Report not supporting value. Lender to order a full appraisal. |
5/26/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: 2% consumer credit utilization in file.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation |
No | Borrower 1 income not documented in the file, provide one of the following:- Most recent paystub and prior year W2 (or)-A Written Verification of Employment verifying employment history and YTD and previous years income sufficient to support qualifying monthly income of $10,340. |
5/6/2026: Received WVOE for B1. $10,340.07/month income verified. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 41.00% and is < maximum allowed of 45.00%
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower(s) have 22 years at current primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has 27 years at current employment CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score is > minimum required score of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 99 months mortgage payment history of 0/30 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Borrower 1 income not documented in the file, provide one of the following:- Most recent paystub and prior year W2 (or)-A Written Verification of Employment verifying employment history and YTD and previous years income sufficient to support qualifying monthly income of $10,340. |
5/6/2026: Received WVOE for B1. $10,340.07/month income verified. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 41.00% and is < maximum allowed of 45.00%
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower(s) have 22 years at current primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has 27 years at current employment CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score is > minimum required score of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 99 months mortgage payment history of 0/30 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is not reported. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 41.00% and is < maximum allowed of 45.00%
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower(s) have 22 years at current primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has 27 years at current employment
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score is > minimum required score of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 99 months mortgage payment history of 0/30 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 335 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Freddie Mac LPA XXXXXX — ID #XXXXXX or ID #XXXXXX, complete document for Submission #10 |
5/6/2026: Received all pages for LP #10, ID #XXXXXX. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 750 FICO score. Minimum required 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with employer > 17 Years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #193 months, Credit ratio 57.76% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 335 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CDA in file does not support appraised value. Clayton to order Exterior Only 2055. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 750 FICO score. Minimum required 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with employer > 17 Years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #193 months, Credit ratio 57.76% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
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 15 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $150,149.96 / 21.91months PITIA for all REO > min required of $18,516.12.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 96 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.16% is below guideline maximum 50%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
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 $ 1,858,300.80 or 463.73 months of PITIAReserves Required per AUS = $ 35,941.68
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 28 Years at Current Residence
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 28 Years at Current Residence |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 282 | XXXXXX | XXXXXX | TN | 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 | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Regarding Schedule E (pg 184 and 185) verify the following: Letter A - XXXXXX — Letter C — XXXXXX Verify these are no longer owned, was not listed on REO of 1003 and not included in DTI (if applicable), not on Fraud Report |
5/14/2026: Received highlighted Sch E and LOX. XXXXXX is all overhead expenses and XXXXXX was a property exchange — no longer owned. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 24 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 772 exceeds guidelines
CFCFS2854: Significant time in profession - Clayton Comments: B2 have significant time in profession, 25 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
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/ CU score due to property type. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score of 787 exceeds program 640 minimum
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job nearly 7 years
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at primary residence over 9 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0 x 30 on mortgage history |
Complete | ||||||||||||||||||||||||||||||||||||||
| 366 | XXXXXX | XXXXXX | PA | 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 Required Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,202,777.63/ 217.71 months PITIA > min required of $68,415.56.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower’s company in business for 23 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 757 Guidelines allow 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $387,906.54 or 141.57 months of PITIAReserves Required per AUS = $ 22,480.20 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | WV | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines |
No | Missing all pages of 1040 schedule E used to calculate rental income for property located at XXXXXX, or current Lease. |
5/21/2026: Received 2024 Sch E. Rental income re- evaluated. DTI is now 44.53%. LP is at 50%. Tolerance met. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.99%; guidelines allow 85%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 297 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $101,451.31 or 7.69 months of PITIA of all OREO > minimum required $45,608.58 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 106 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.00%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 42 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $152,320.00 / 14.15 months PITIA > min required of $13,,989.48 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.05% is below guideline maximum 50%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 450 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 | Missing monthly billing statement, credit supplement or other applicable evidence to verify Imprint revolving account with $99/month used to qualify. Bank statement in file reflects higher and irregular payments of $300 and $1,000. |
5/21/2026: Received billing stmnt for 4/2026 showing $67.97 min due and payment history where more than minimum has been paid. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $33,086.61 exceed required of $24,065.00.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 85% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 747 exceeds minimum required of 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 193,533.66 or 48.28 months of PITIAReserves Required per AUS = $ 24,409.24
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 797 Guidelines allow 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 359 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 26% DTI below guideline requirement of 43%
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
CFCFS1734: Borrower has significant time at current job - Clayton Comments: REO investor -Borrower has significant time at current job |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | OK | (No Data) |
ATR/ QM: Exempt |
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 returned no score due to property type. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $28723.24 or 11.43 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 fico score exceeds guidelines 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 Risk could not be assessed. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,178.04 > required $33,924.24 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Credit | Legal Documents |
Active | D | D | D | D | CRDLGL100 | Legal document incorrect or incomplete |
Yes | The security instrument/ Mortgage, which is provided on an IL form, displays this purchased WI property as an IL property in the Transfer of Rights in the Property section on page 4 of 20. The attached Legal Description/Exhibit A and the Note reflects this correctly as a WI property |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 45 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 825 exceeds the min requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 80% is below the max allowed of 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,407,477.01 or 512.79 months of PITI.Required reserves are $16,468.32. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $34,325.81 exceed required of $16,277.16.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below guidelines 85% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 exceeds minimum required of 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1005 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 21 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Actual LTV 72.95% / Max LTV 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 818 exceeds min score requirement of 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | OH | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 45.40%/maximum 50
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 783/minimum 680
CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 117 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years & 6 months at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 100 points above guideline minimum of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 991 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt 0 x 30 X 346 months > max permitted of 0 X 30 X 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid score of 799 > min required score of 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | A | C | C | A | A | C | C | C | A | C | C | 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. |
5/13/2026: Received Safe Harbor status. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 745 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > 19 Years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #401 months, Credit ratio 33.37% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | CDA in file does not support appraised value. Clayton to order Exterior Only 2055. |
5/14/2026: Received Field Review. Does not support value. Lender will need to order full appraisal. |
5/14/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 745 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > 19 Years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #401 months, Credit ratio 33.37% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1004 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report |
No | Missing the Fraud guard or like product required to verify Clear OFAC. |
5/15/2026: Received DRIVE report, clear OFAC. |
5/15/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 743 exceeds the guideline program minimum of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.58% is below the guidelines 45%
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 17 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 72.80 %is below the guidelines 75% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | As no ABA was located, it was not possible to determine if any fees were paid to an affiliate. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > minimum required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available credit lines @ 0.10%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower`s DTI 22.91% is below guideline maximum 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 75% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | IL | 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 |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 FICO exceeds guideline minimum 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 89+ months of positive payment history with 0x30 lates
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 11+ years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $24404.74 verified cash reserves exceed guideline 6 month requirement $18850.86 CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.94 LTV below guideline maximum 80% CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.68% DTI below guideline maximum 45% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 706 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
5/13/2026: Received Safe Harbor status. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 706 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 424 | 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 returned no score due to property type. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisifed. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #170 months, Credit ratio 1.12%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 789 / 808 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > #12 years with current employer |
Complete | ||||||||||||||||||||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
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. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 811 exceeds the guideline program minimum of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 69,812.87 or 35.83 months of PITIA Reserves Required per AUS = $ 11,690.89 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 5 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1091 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ years at current employer |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | SC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report |
No | Missing a Fraud Report for both applicants |
5/13/2026: Received DRIVE report. |
5/13/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only less than 7%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 5/14% is well below guidelines of 45/45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 792 exceeds minimum score of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | SC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Hazzard must reflect guaranteed replacement costs or additional coverage is required. |
5/13/2026: Received RCE showing $XXXXXX cost to rebuild. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only less than 7%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 5/14% is well below guidelines of 45/45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 792 exceeds minimum score of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1131 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | LTV/ CLTV |
Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% |
No | Property purchased XXXXXX, $XXXXXX. LTV 77.88%. Lender LTV based on Appraised Value $XXXXXX at 70.21%. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 781 Median Credit Score, Oldest Trade 3/1993
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $73,488.23 exceed guideline requirement of $13,720.56
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5.167yrs tenure with current self employed business |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1131 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Title Vesting XXXXXX. Loan deed/mtg closed XXXXXX, an unmarried XXXXXX, and XXXXXX, an unmarried XXXXXX. Missing QCD documentation. |
4/28/2026: Received Final Title, vesting matches Mortgage. |
4/28/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 781 Median Credit Score, Oldest Trade 3/1993
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $73,488.23 exceed guideline requirement of $13,720.56
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5.167yrs tenure with current self employed business |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1131 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (or CU) score was not provided. Clayton to order deskreview |
4/07/2026: CDA provided supports appraised value. |
4/07/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 781 Median Credit Score, Oldest Trade 3/1993
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $73,488.23 exceed guideline requirement of $13,720.56
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5.167yrs tenure with current self employed business |
Complete | ||||||||||||||||||||||||||||||||||||||
| 999 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
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/CU score due to property type. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.65% is below guideline maximum 45%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have208 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 640 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1132 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | 1. Missing a mortgage statement or documentation to support $4111.00 PITI for XXXXXX. Missing borrower letter of explanation or other satisfactory documentation to support no HOA expense on XXXXXX as qualified with. |
4/27/2026: Received HOA info $200/mo and XXXXXX statement $4,111.07 PITI. |
4/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 765 exceeds min 620. CFCFS2854: Significant time in profession - Clayton Comments: 18 years in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $48,997.72 exceed required reserves $6,496.98. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1132 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | 1. Missing a mortgage statement or documentation to support $4111.00 PITI for XXXXXX. Missing borrower letter of explanation or other satisfactory documentation to support no HOA expense on XXXXXX as qualified with. |
4/27/2026: Received HOA info $200/mo and XXXXXX statement $4,111.07 PITI. |
4/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 765 exceeds min 620. CFCFS2854: Significant time in profession - Clayton Comments: 18 years in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $48,997.72 exceed required reserves $6,496.98. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1001 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 |
5/14/2026: Received BPO. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $384,624.68 or 150.39 months PITI reserves. Required reserves $24,263.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 803. Minimum score required 620 CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current home over 11 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1001 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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. |
5/14/2026: Received BPO. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $384,624.68 or 150.39 months PITI reserves. Required reserves $24,263.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 803. Minimum score required 620 CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current home over 11 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1001 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 | 5/14/2026:Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
6/2/2026: 2055 received did not support value. |
6/2/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $384,624.68 or 150.39 months PITI reserves. Required reserves $24,263.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 803. Minimum score required 620 CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current home over 11 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 624 | 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 returned no score. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 754 exceeds min score requirement of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 10 years. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in this line of work in the past: 21 years. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 834 | XXXXXX | XXXXXX | WI | 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 shows no score due to Non UAD form, Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been self employed with the same business for 22 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1120 | XXXXXX | XXXXXX | SC | (No Data) |
ATR/ QM: Exempt |
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 is >2.5. Clayton to order desk review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 747 FICO score. Minimum required 620. CFCFS2854: Significant time in profession - Clayton Comments: Co borrower has been in the same profession for 18 years and 2 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 11 years and 3 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $215 zero tolerance due to added Appraisal recertification fee without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
05.18.2026 - Missing COC and LE provided |
05.18.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum credit score required is 620, borrower’s credit score is 788. CFCFS1744: DTI below guideline requirement - Clayton Comments: Maximum DTI is 50%, borrower’s DTI is 28.35%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
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 returned no score. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $28,957.47 / 1624.86 = 17.82 months PITIA > min required reserves $9,749.16. CFCFS2860: Good credit history - Clayton Comments: Credit line usage 9.72%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 582 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 802 exceeds 620 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $105,563.37 exceed DU required of $18,942.79. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 28 months reviewed. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 582 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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 |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 802 exceeds 620 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $105,563.37 exceed DU required of $18,942.79. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 28 months reviewed. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 828 | XXXXXX | XXXXXX | TN | 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 |
Active | C | C | C | C | 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 |
Yes | 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 $474.70, due to amount went over $388.70 |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 756 is 136 points above program guideline minimum of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.41% DTI is below guideline requirement of 49.99%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 828 | XXXXXX | XXXXXX | TN | 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 | UCDP- SSR in file returned no CU Score to support appraised value. Clayton to order desk review |
5/15/2026: Received CDA supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 756 is 136 points above program guideline minimum of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.41% DTI is below guideline requirement of 49.99%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 993 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 2 years and 4 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 801. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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 $163,241.42 or 74.25 months of PITIA. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 799 exceeds min score requirement of 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | SC | 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. |
5/26/2026: Received BPO supporting value. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 90% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $51243.83 in reserves are above the required $10519.45 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 FICO score is above the 620 min. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | SC | 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. |
5/26/2026: Received BPO supporting value. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 90% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $51243.83 in reserves are above the required $10519.45 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 FICO score is above the 620 min. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | SC | 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 XXXXXX and AUS approval XXXXXX. PDI to be ordered by Clayton. |
4/30/2026: Client acknowledges Level 2 exception, public assistance only. |
4/30/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 90% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $51243.83 in reserves are above the required $10519.45 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 FICO score is above the 620 min. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR255 | Appraisal form does not match property type(Multi- Fam) |
No | 1st appraisal under property is for a new property bought by borrower XXXXXX, not subject property |
5/6/2026: Received correct appraisal. SFR, $XXXXXX value. SSRs match. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 791 exceeds guideline min of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 40 is below guideline max of 45% or AUS approved CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $32333.76 AUS requirement of $40356.68 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 92 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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 772 is 152 points above program requirements of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets of $332,347.72 or 141.77 PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.03%; guideline allow 80%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 106 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
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 #300 months, Credit ratio 59.96% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 769 / 780 exceeds minimum of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Co-Borrower self employed > 9 years |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 413 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
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 available. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years on job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $973,564.55 post closing reserves verified. $24,649.10 required per LP AUS. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 573 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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 3 score. Clayton to order Desk Review. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $957,892.96 / 198.48 months PITIA > min required of $39,459.60. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | NY | 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 |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 14.97% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 80%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $20,039.70 required, $153,154.76 post closing verified. CFCFS5269: Minimal use of credit - Clayton Comments: 3% Utilization |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified ATR Exempt. Clayton verified Safe Harbor. This is not a business purpose cash out. Lender to update QM determination. |
6/4/2026: Received Safe Harbor status. |
6/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.52% DTI is below the 50% max. CFCFS2860: Good credit history - Clayton Comments: Borrowers have no late payments on credit report. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO score is above the 620 min. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 94 | XXXXXX | XXXXXX | MI | (No Data) |
ATR/ QM: Exempt |
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. |
5/13/2026: Received CDA supporting value. |
5/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.0% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $32,706.82 or 14.45 months of PITI, Required reserves per AUS are $13,579.50. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 46.92% is below guideline maximum 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 245 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | Repayment Ability |
Active | B | B | B | B | CMPSTRA1497 | File does not contain a repayment ability worksheet |
No | Located UW comment sheet in file identifying NTB, Interest rate reduction. no documents in file signed by Borrower for Net Tangible Benefit |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 759 exceeds minimum of 620 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #49 months, Credit ratio 17.10% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
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 |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 759 exceeds minimum of 620 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #49 months, Credit ratio 17.10% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 759 exceeds minimum of 620 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #49 months, Credit ratio 17.10% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 $532,456.42, DU required $46,914.38 in verified reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been with current employer 18 years and in the same profession for 30 years. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1154 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | 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 | Missing evidence of property taxes and insurance for XXXXXX. The monthly payment of $4,814 shown on the credit report doesn’t specify whether taxes and insurance are included in the payment. |
5/14/2026: Received XXXXXX Mtg stmnt. Full PITI is $4,811.94. B1 verifies no HOA. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at present job 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 @ 12.47% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.27% is below guideline maximum 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $37,158.80 /16.66 months PITIA > min required of $37,158.80. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1154 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 | DU returned 3.3 score. Clayton to order Desk Review. |
4/07/2026: CDA provided supports appraised value. |
4/07/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at present job 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 @ 12.47% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.27% is below guideline maximum 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $37,158.80 /16.66 months PITIA > min required of $37,158.80. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 540 | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/ Mtg History |
Active | B | B | B | B | CRDCRMH123 | No evidence of required debt payoff |
No | Missing payoff from XXXXXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $503,348.73 or 261,66 months of PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35% is below guideline maximum 45%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 810 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 21,978.45 or 8.67 months of PITIAReserves Required per AUS = $ 18,877. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 576 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Current history for payment on primary residence 53 months reviewedno derogatory payments. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects zero collections, zero chargeoffs and no bankruptcies. Qualifying score 713. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves post close $35,417.25 or 21.60 months PITIA. LP required reserves $9,459.18. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 577 | XXXXXX | XXXXXX | KY | (No Data) |
ATR/ QM: Exempt |
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 788 exceeds required of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.38% is below guidelines 45% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $34,120.84 exceed required of $11,812.72. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 8 years and 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers 68.12% LTV is below guideline requirements. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers 772 credit score exceeds guidelines. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | OR | 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 |
5/12/2026: Received BPO supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 795 Guidelines allow 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 24,888.63 or 11.34 months of PITIAReserves Required per AUS = $ 4,389.84 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | OR | 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. |
5/12/2026: Received BPO supporting value. |
5/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 795 Guidelines allow 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 24,888.63 or 11.34 months of PITIAReserves Required per AUS = $ 4,389.84 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | OR | 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 XXXXXX and AUS Approval XXXXXX. PDI to be ordered by Clayton. |
4/29/2026: Client acknowledges Level 2 exception. |
4/29/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 795 Guidelines allow 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 24,888.63 or 11.34 months of PITIAReserves Required per AUS = $ 4,389.84 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 580 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $2,957,123.03 or 1057.01 months PITI reserves. Required 33,811.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 763. Minimum score required 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | The required Affiliate Business Disclosure is missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 786. Minimum score per program is 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 27 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 145 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 32.27% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 Credit score exceeds minimum required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $417,159.01 exceeds LP requirement of $18,026.56. CFCFS1739: Positive mortgage payment history - Clayton Comments: All mortgages on Credit Report have 0 X 30 Payment history CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CO-Borrower has been with current Employer for 9 years |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 65 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified ATR Exempt. Clayton verified Safe Harbor. Lender to up QM status or verify loan is Business Purpose only. |
6/4/2026: Received Safe Harbor status. |
6/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 361 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 is 162 points above minimum program requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $53,547.34/22.56 PITIA which is > guideline minimum. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
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: B3 has significant time at current job, 9.08 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x61 mortgage payment history exceeds guidelines. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 18 years in the same profession. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
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 @ 2.12% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.70% is below guideline maximum 45%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing proof of 1031 Exchange funds of $270,000 used to qualify. |
5/14/2026: Received receipt from XXXXXX. Received $295,577.27 on 1/12/2026. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 3 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 12 years 10 months at wage earner position, 17 years with secondary self-employment. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history 99 mos. 0x30 and 7 mos. 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing documentation to support HOA expense for XXXXXX. |
5/6/2026: Received HOA info. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 3 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 12 years 10 months at wage earner position, 17 years with secondary self-employment. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history 99 mos. 0x30 and 7 mos. 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | D | B | D | A | 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 | Missing Verbal Verification of employment for B1 wage position. Only VVOE in file is for secondary self- employment. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 3 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 12 years 10 months at wage earner position, 17 years with secondary self-employment. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history 99 mos. 0x30 and 7 mos. 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property |
No | Missing Final executed CDs to support no longer own XXXXXX reflected on 2024 Schedule E. Properties not disclosed as currently owned on 1003. |
5/6/2026: Received verification both REOs are owned by other individuals. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 3 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 12 years 10 months at wage earner position, 17 years with secondary self-employment. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history 99 mos. 0x30 and 7 mos. 0x30. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU score > 2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 3 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 12 years 10 months at wage earner position, 17 years with secondary self-employment. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history 99 mos. 0x30 and 7 mos. 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 161 | XXXXXX | XXXXXX | ID | 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 mortgage statement for XXXXXX to verify mortgage payment and that it is linked to primary residence at XXXXXX. |
5/4/2026: Received PITI info for primary. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 815 exceeds minimum of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 90% guidelines maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of 81,598.48 exceed $0 required. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 161 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing mortgage statement for XXXXXX to verify mortgage payment and that it is linked to primary residence at XXXXXX. |
5/4/2026: Received PITI info for primary. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 815 exceeds minimum of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 90% guidelines maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of 81,598.48 exceed $0 required. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 161 | XXXXXX | XXXXXX | ID | 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 |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 815 exceeds minimum of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 90% guidelines maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of 81,598.48 exceed $0 required. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 161 | XXXXXX | XXXXXX | ID | 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 |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 815 exceeds minimum of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 90% guidelines maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of 81,598.48 exceed $0 required. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | UT | 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 Affiliate the Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 8 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 168 points above guideline minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 6 months at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $30,863.98 or 9.88 months PITIA exceeds the LP required amount of $20,484.74. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 8 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 168 points above guideline minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 6 months at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $30,863.98 or 9.88 months PITIA exceeds the LP required amount of $20,484.74. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | WY | (No Data) |
ATR/ QM: Exempt |
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/ CU score due to property type. Clayton to order Desk Review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 11.9 years CFCFS5269: Minimal use of credit - Clayton Comments: 0% consumer credit utilization in file |
Complete | ||||||||||||||||||||||||||||||||||||||
| 789 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 FICO exceeds 620 guideline requirement CFCFS1739: Positive mortgage payment history - Clayton Comments: 26+ months of on time payments with 0x30 lates CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 26 months reported no major mortgage related occurrences in past two years CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.31% LTV below guideline maximum 80% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1147 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower does not have any derogatory credit and little monthly consumer debt. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has more than AUS required amount of reserves. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Provide updated AUS reflecting 45.70% DTI due to incorrect grossing-up of borrower’s income. AUS to remain accept. |
5/14/2026: Received LP #3 LP Key #XXXXXX run XXXXXX with 13/46 ratios. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.01% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $48,202.60 reserves exceed required reserves $11,228.98. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 12+ years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete |
No | Title reflecting a financing statement (pg 547) which indicates a lien on equipment, copy of XXXXXX Agreement in file transferring from Prior owner to Borrower (pg 94), a copy of the Solar Transfer also in file (pg 97) File have a Performance Guarantee and Limited Warranty (pg 111) |
6/3/2026: Received Final Title. All liens/ agreements have been removed. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 819 exceeds guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $355,283.66 exceed guidelines |
Complete | ||||||||||||||||||||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 30 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 99 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 20 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer in the past: 16 years. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 601 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.82% is below guideline maximum 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.39%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 640 | 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 | LCA score is >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 786. Minimum score required 620. CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have been at their current residence for 15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job for 25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been at their current job over 22 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $357,433.08 or 84.66 months PITI reserves. No reserves required. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1086 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 is >n/a. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.63% is below guideline maximum of 45% CFCFS2854: Significant time in profession - Clayton Comments: 22 years in profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $163,264.00. Required Reserves by AUS are $17,710.76 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1027 | XXXXXX | XXXXXX | IL | 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 | 1.) Missing verification of HOI for XXXXXX 2.) Borrower 1 V VOE states on leave; Missing Employer and Employee return to work date |
5/6/2026: Received current HOI for REO.5/6/2026: Received XXXXXX VVOE, active employee. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $225,750 exceeds LP requirement of $50,228.52. CFCFS2854: Significant time in profession - Clayton Comments: Primary Borrower has been in the same line of work for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 Credit Score exceeds minimum required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Both borrower’s mortgages have 0 X 30 Payment histories |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1027 | XXXXXX | XXXXXX | IL | 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 verification of HOI for XXXXXX. |
5/6/2026: Received current HOI for REO. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $225,750 exceeds LP requirement of $50,228.52. CFCFS2854: Significant time in profession - Clayton Comments: Primary Borrower has been in the same line of work for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 Credit Score exceeds minimum required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Both borrower’s mortgages have 0 X 30 Payment histories |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1027 | XXXXXX | XXXXXX | IL | 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 | Income/ Employment |
Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File |
No | Borrower 1 V VOE states on leave; Missing Employer and Employee return to work date |
5/6/2026: Received XXXXXX VVOE, active employee. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $225,750 exceeds LP requirement of $50,228.52. CFCFS2854: Significant time in profession - Clayton Comments: Primary Borrower has been in the same line of work for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 Credit Score exceeds minimum required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Both borrower’s mortgages have 0 X 30 Payment histories |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1027 | XXXXXX | XXXXXX | IL | 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 >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $225,750 exceeds LP requirement of $50,228.52. CFCFS2854: Significant time in profession - Clayton Comments: Primary Borrower has been in the same line of work for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 Credit Score exceeds minimum required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Both borrower’s mortgages have 0 X 30 Payment histories |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1032 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing verification of existence of self employment business within 120 days days of closing for XXXXXX |
5/6/2026: Received verification business is in existence as of 3/24/2026. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $121,242.72/ 48.30 months PITIA > min required of $22,738.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.63% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1032 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Missing verification of existence of self employment business within 120 days days of closing for XXXXXX |
5/6/2026: Received verification business is in existence as of 3/24/2026. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $121,242.72/ 48.30 months PITIA > min required of $22,738.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.63% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1032 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL225 | Missing Rider | No | Missing the Renewal and Extension Rider attached to the subject Mortgage/ DOT. |
5/14/2026: Received Rider. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $121,242.72/ 48.30 months PITIA > min required of $22,738.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.63% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1032 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | The appraisal is missing photos of the subject property. |
5/6/2026: Received complete copy of appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $121,242.72/ 48.30 months PITIA > min required of $22,738.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.63% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1032 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | The appraisal is missing the signature from the Appraiser. |
5/6/2026: Received complete copy of appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $121,242.72/ 48.30 months PITIA > min required of $22,738.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.63% is below guideline maximum 45%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1032 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | The appraisal is missing photos of the comparable homes used in the report. |
5/6/2026: Received complete copy of appraisal. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $121,242.72/ 48.30 months PITIA > min required of $22,738.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.63% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | 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 not provided. Clayton to order desk review |
5/14/2026: 5/14/2026: Received CDA. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current home over 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $83,140.66 or 17.19 month PITI reserves. Required 37,592.66 per month CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self employed over 21 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 760. Minimum score required 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 5/14/2026: Exception added after review of trailing docs: 5/14/2026: Received CDA not supporting value. Clayton to order next level review. |
5/27/2026: Received a Report 2055 for a CDA not supporting value. Subject is noted as a Duplex with an ADU. The 2055 Report shows the subject a SFR with an ADU. The subject address is XXXXXX and there are two units on main dwelling. There is an ADU with XXXXXX. The 2055 Report is incorrect.5/28/2026: Received Field Review supporting value. |
5/27/2026: Exception remains.5/28/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current home over 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $83,140.66 or 17.19 month PITI reserves. Required 37,592.66 per month CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self employed over 21 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 760. Minimum score required 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | Missing all maps, sketches, Appraiser license cert, E&O. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $82,922.83 or 17.41 months of P&I. Required reserves $37,143.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 760, minimum required by G/L is 760 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self employed for 21.4 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Missing all Interior and Exterior subject photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $82,922.83 or 17.41 months of P&I. Required reserves $37,143.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 760, minimum required by G/L is 760 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self employed for 21.4 years |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Missing Appraiser signature on appraisal |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $82,922.83 or 17.41 months of P&I. Required reserves $37,143.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 760, minimum required by G/L is 760 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self employed for 21.4 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing all comp photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $82,922.83 or 17.41 months of P&I. Required reserves $37,143.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 760, minimum required by G/L is 760 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self employed for 21.4 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 |
5/21/2026: Received CDA supporting value. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $82,922.83 or 17.41 months of P&I. Required reserves $37,143.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 760, minimum required by G/L is 760 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self employed for 21.4 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | Missing Aerial & Flood map, Location Map, Appraiser license, Rental MLS Photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11.67yrs tenure with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.03% LTV below maximum allowed guideline of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $22,582.77 exceed guideline requirement of $18,054.06 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Missing all appraisal photos of the subject property |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11.67yrs tenure with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.03% LTV below maximum allowed guideline of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $22,582.77 exceed guideline requirement of $18,054.06 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing all appraisal photos of the comparable sales properties |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11.67yrs tenure with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.03% LTV below maximum allowed guideline of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $22,582.77 exceed guideline requirement of $18,054.06 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 140 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | NC | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 110 points above guideline minimum of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years & 10 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has post close assets of $110,212.29. Required reserves are $12,264.39. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1009 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 Credit score exceeds guidelines of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $125,097.19 or 53.63 months PITI.Required reserves $18,914.54. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 86 months with 0x30 mortgage payment history exceeds guideline required 12 months. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 961 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (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: $10,835.94 reserves required $5,660.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 690 rep score, Minimum required 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 40% DTI-maximum 50% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1002 | XXXXXX | XXXXXX | VA | 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 | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Missing Hazard insurance with coverage of at least $XXXXXX. Policy provided shows $XXXXXX |
5/14/2026: Received RCE, $XXXXXX rebuild cost. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 794. Minimum required 620 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at their current residence over 19 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $389,809.21 or 65.61 months PITI reserves. Required $201,895.50 CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 20 years |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1002 | XXXXXX | XXXXXX | VA | 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 | LCA score is >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 794. Minimum required 620 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at their current residence over 19 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $389,809.21 or 65.61 months PITI reserves. Required $201,895.50 CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 20 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1014 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 deskreview. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 48.10 reserves or $126897.78 PITI post assets reserves only 11.93 months required and 30930.12 PITI CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 54 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 785 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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 no present. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19+ years at current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any derogatory mortgage related occurrences during past two years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 FICO exceeds guideline minimum 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $141799.18 verified cash reserves exceed guidelines required $10,782.84 CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.61% DTI below guideline maximum 45% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus and Other income received and not used for qualifying CFCFS1739: Positive mortgage payment history - Clayton Comments: 63+ months of positive mortgage payment history with 0x30 lates CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.57% LTV below guideline maximum 85% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $563,640.02 exceed guideline requirement of $28,191.02 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6.58yrs experience with current employer CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Additional documented co-borrower base income not used in qualifying in amount of $1141.03 per month.paystub income $14,833.35, lender income $13,692.32 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.85%/Lender DTI 27.469% below maximum allowed guidelines of 45% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1098 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
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 $101,868.48 or 22.85 PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above program requirement of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 73.46%; guideline allows 80%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 169 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 788. Minimum score required 620 CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $74,060.98 or 41.66 months PITI reserves. Required reserves $13,532.39 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | 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 |
5/19/2026: Received BPO supporting value. |
5/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 26 years. CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 1X30, 0X60, 0X90, in #215 months, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 711 / 705 exceeds minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #6 years |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 171 | 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 approved PIW. Clayton to order BPO. |
5/19/2026: Received BPO supporting value. |
5/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 26 years. CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 1X30, 0X60, 0X90, in #215 months, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 711 / 705 exceeds minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #6 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 426 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower`s DTI 49.95% is below guideline maximum 50% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXXXXX | XXXXXX | WA | 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 |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Both Mortgages have 0 X 30 Payment history CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 21.19% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 Credit score exceeds minimum required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have been at current residence for 25 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $18,258.04 exceeds DU requirement of $6,899.57. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CO-Borrower has been at current employer for 21 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 266 | XXXXXX | XXXXXX | WA | 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 desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Both Mortgages have 0 X 30 Payment history CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 21.19% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 Credit score exceeds minimum required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have been at current residence for 25 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $18,258.04 exceeds DU requirement of $6,899.57. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CO-Borrower has been at current employer for 21 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 #33 months, Credit ratio 21.44% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 757 / 787 exceeds minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $74,991.42Required Reserves are $15,032.28 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
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 returned 3.0 score. Clayton to order Desk Review. |
5/15/2026: Received CDA supporting value. |
5/15/2026: 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: Minimal usage of available revolving credit lines @ 1.45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.32%; guidelines allow 85% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 159 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
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 15 years in the same profession CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the primary residence 5.75 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x57 mortgage payment history |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 746 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
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 satisfactory 47 month mortgage payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum credit score required is 620, borrower’s credit score is 773 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 fico score exceeds guidelines 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 31 % dti max dti 45 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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. |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 fico score exceeds guidelines 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 31 % dti max dti 45 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 197 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $44,263.78 or 6.58 months PITI for all REO > min required of $27,332.38. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 219 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 117 months mortgage payment history 0x30. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at primary residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 437 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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 @ 4.45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14+ year at current employer |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 199 | 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 | LCA score is not available. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 90% guidelines maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $437,002.12 exceed $0 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 794 exceeds 620 minimum. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 is n/ a. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $34,958.34 or 16.97 months of PITI.Required Reserves are $12,631.52. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 795 exceeds the min requirement of 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been at current job for 21 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified ATR Exempt. Once fees are updated and QM is met, loan must be Safe Harbor or Rebuttable Presumption OR lender must provide verification loan is Business Purpose use only. |
5/28/2026: Received Business Purpose Affidavit. |
5/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 781 FICO score. Minimum required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Lender status Safe Harbor but Clayton status Rebuttable Presumption due to violation of Higher Priced Threshold with Test APR of 6.492, Benchmark Rate 6.170 Benchmark/ APR Variance 0.322 and Rate Spread Trigger 1.50%. |
5/28/2026: Received Business Purpose Affidavit. |
5/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 781 FICO score. Minimum required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 | 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 | $562 Zero Percent Tolerance Violation due to increase in Loan points from $14063 to $14625 on Final CD without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
05.15.2026 - Client provided Disclosure Tracking document along with final CD verifying the fee increase was valid |
05.15.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 781 FICO score. Minimum required 620. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 | CU Score 3.2. Clayton to order Desk Review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 781 FICO score. Minimum required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 603 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.83% is below guideline maximum 45%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at present job |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 716 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements |
No | Borrower Letter of Explanation regarding large deposits into XXXXXX referencing deposits on 1/5/2026 $105,000; 1/29/2026 $300,000; and 2/6/2026 $45,000 is not signed and dated. |
5/14/2026: Received docs for $300K and $105K deposits. $45K can be deducted from assets. Not needed. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 25+ years at present job CFCFS1736: Significant time at current residence - Clayton Comments: B2 has 26 years at primary residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 156 months mortgage payment history 0x30 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $155,154.41 / 72.98 months PITIA > min required of $16,535.42 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 39.28% is below guideline maximum 45% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 300 months |
Complete | ||||||||||||||||||||||||||||||||||||||
| 716 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Co-Borrower provided a LOX dated 2/5/2026 addressing a credit inquiry from XXXXXX on 2/5/2026 indicating applied as a cosigner for Mother’s HELOC/ processing has just begun, loan has not been approved. The loan file contains aXXXXXX Open-End Equity Credit Agreement & TIL Disclosure signed on XXXXXX indicating the HELOC was opened prior to subject transaction (Note date 3/23/26). The Co-Borrower’s final 1003 reflects a XXXXXX installment account for $400/month. The account number of XXXXXX flisted on the 1003 matches the XXXXXX account number on the XXXXXX Open-End Equity Credit Agreement & TIL Disclosure. The loan file does not contain a final HUD statement identifying the initial disbursement amount to the Borrowers; therefore, the $400/monthly payment isn’t substantiated with supporting documentation. As well, the 1003 should have reflected this HELOC as a mortgage account. |
5/19/2026: Received HELOC Agreement showing mother and B2 as borrowers with $400/mo payment secured to XXXXXX REO. |
5/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 25+ years at present job CFCFS1736: Significant time at current residence - Clayton Comments: B2 has 26 years at primary residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 156 months mortgage payment history 0x30 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $155,154.41 / 72.98 months PITIA > min required of $16,535.42 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 39.28% is below guideline maximum 45% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 300 months |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 716 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Commitment for Title Insurance in file dated XXXXXX reflects vesting as XXXXXX with subject transaction Deed of Trust reflecting vesting as XXXXXX, Tenancy in Common. |
5/28/2026: Received Final Title showing updated vesting. |
5/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 25+ years at present job CFCFS1736: Significant time at current residence - Clayton Comments: B2 has 26 years at primary residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 156 months mortgage payment history 0x30 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $155,154.41 / 72.98 months PITIA > min required of $16,535.42 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 39.28% is below guideline maximum 45% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 300 months |
Complete | ||||||||||||||||||||||||||||||||||||||
| 717 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Photos of the Subject Property are not visible on the PDF found in the loan file, provide a copy of the PDF file that includes legible photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower(s) have minimal usage of available revolving credit of 6.81% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score is > minimum required score of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37.88% and is < maximum allowed of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower(s) have 54 months mortgage payment history of 0/30 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified funds $192,471.40.Cash to close $153,522.16 Required reserves $17,762.26, excess reserves $38,949.24. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 717 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Photos of the Comparables are not visible on the PDF found in the loan file, provide a copy of the PDF file that includes legible photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower(s) have minimal usage of available revolving credit of 6.81% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score is > minimum required score of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37.88% and is < maximum allowed of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower(s) have 54 months mortgage payment history of 0/30 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified funds $192,471.40.Cash to close $153,522.16 Required reserves $17,762.26, excess reserves $38,949.24. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 717 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower(s) have minimal usage of available revolving credit of 6.81% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score is > minimum required score of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37.88% and is < maximum allowed of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower(s) have 54 months mortgage payment history of 0/30 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified funds $192,471.40.Cash to close $153,522.16 Required reserves $17,762.26, excess reserves $38,949.24. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
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 @ 1.98% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.732% is below guideline maximum 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 791. Minimum score per program is 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 | Missing evidence of hazard insurance payment for REO located at XXXXXX. |
5/21/2026: Received XXXXXX letter showing forced- placed H06 for $563.47 annual. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.22% guidelines allow 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 mid score > min required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have54 months mortgage payment history 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1057 | XXXXXX | XXXXXX | DE | (No Data) |
ATR/ QM: Exempt |
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 of 19% is below guideline max of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit Score 780 exceeds guideline min of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves calculated at $78985.52 exceeds AUS requirement of $25291.44 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 32 Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 159,759.65 or 77.61 months of PITIAReserves Required per AUS = $ 12,351.44 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 40 Years in Current Profession |
Complete | ||||||||||||||||||||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: Received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 32 Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 159,759.65 or 77.61 months of PITIAReserves Required per AUS = $ 12,351.44 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 40 Years in Current Profession |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1026 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
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 returned no score. Clayton to order Desk Review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #201 months, Credit ratio 34.29% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 789 exceeds minimum of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer > 10 years |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | B | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $204.69 for zero tolerance fees.Credit report increased $1 from $200 to $201 on the CD dated XXXXXX Title Lenders Insurance increased $45.69 from $1088 to $1133.69 on the CD dated XXXXXX Title Mechanics Lien Endorsement fee increased $150 from $0 to $150 on the CD dated XXXXXX Title E- Recording fee increased $9.50 from $0 to $9.50 on the CD dated XXXXXX The title fees were paid to Win Title Agency, an Affiliate, and were tested at a 0% tolerance. Total tolerance amount is $206.19. A $1.50 tolerance cure was provided on the Final CD. Tolerance in the amount of $204.69 remains. |
05.18.2026 -Cure provided via refund. |
05.18.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current Employer for 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $637,210.69 exceeds DU requirement of $55,645.08 CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 38.23% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 Credit score exceeds minimum required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | B | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score >2.5. Clayton to order desk review |
5/14/2026: Received CDA not supporting value. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current Employer for 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $637,210.69 exceeds DU requirement of $55,645.08 CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 38.23% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 Credit score exceeds minimum required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | B | C | B | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 5/14/2026: Exception added after review of trailing docs: 5/14/2026: Received CDA not supporting value. Clayton to order next level review. |
6/1/2026: Received Field Review supporting value. |
6/1/2026: Exception satisfied. |
Not Applicable |
(No Data) | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current Employer for 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $637,210.69 exceeds DU requirement of $55,645.08 CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 38.23% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 Credit score exceeds minimum required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 588 | XXXXXX | XXXXXX | KS | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified ATR Exempt. Clayton verified Safe Harbor. Lender to update QM determination or verify business purpose use. |
5/26/2026: Received Affidavit from Borrower, Business purpose. |
5/26/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,134.72 or 27 months reserves, required reserves $10,458.54 or 6 months reserves
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving lines @4.56% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 588 | XXXXXX | XXXXXX | KS | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | C | A | D | A | A | 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 | Need proof initial CD was received by borrower 3 days before consummation date of XXXXXX |
05.21.2026 — ICD tracking received |
05.21.2026 -Exception satisfied |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,134.72 or 27 months reserves, required reserves $10,458.54 or 6 months reserves
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving lines @4.56% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 588 | XXXXXX | XXXXXX | KS | (No Data) |
ATR/ QM: Exempt |
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 | LCA/CU — no value reporting. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,134.72 or 27 months reserves, required reserves $10,458.54 or 6 months reserves
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving lines @4.56% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 213 | 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 | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Has 15 years at current profession.
CFCFS2860: Good credit history - Clayton Comments: Good history on credit report.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Score 769 exceeds min 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 reserves $429,318.48 exceed required reserves $14,535.72.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 17 years 6 months at current residence.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 20 years 4 months in same line of work. B2 has 27 years 4 months in same line of work. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 50 mos. 0x30 and 66 mos. 0x30. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | NC | 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 |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $265,951.77 or 47.45 months PITI , No reserves required per AUS.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession for the co-borrower, 37 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time in profession, 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline requirements of 90% per program. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 280 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
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 | UCDP- SSR in file returned no LCA Score to support appraised value. Clayton to order desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets: $432,598.42Required Reserves: $17,789.86
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 12 years and 10 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 723 is 103 points above program guideline minimum of 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 819 | XXXXXX | XXXXXX | NE | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32% DTI below max dti 45%
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, 14 years. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 203 | XXXXXX | XXXXXX | OK | 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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18.59% is below Guidelines 45% maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 exceeds minimum required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 27 years at current job. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
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 established. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $168,854.89 exceed required reserves $35,708.30.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low use of consumer credit. Credit line usage 4.72%.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 51 mos. 0x30, 8 mos. 0x30, 15 mos. 0x30 and 54 mos. 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1025 | 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 | Missing Updated Valuation: LCA score of 3 is above the acceptable >2.5. Clayton to order desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 783 Guidelines allow 620
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 Years at Current Residence
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 24 Years in Current Profession |
Complete | ||||||||||||||||||||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | NV | 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 | Terms/ Guidelines |
Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Per Final CD page 3 of final CD, America First CU is to be PIF and subordinated. The 1008 and LP Findings do not include an HCLTV for the subordinate lien. There is a Subordination Agreement on page 502 of the PDF signed and notarized. Provide updated docs with subordinate lien approved or proof 2nd lien is closed. |
5/21/2026: Received updated AUS and credit supp for open 2nd lien $0 balance. Still App/ Eli. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Score of 791 exceeds min 620.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5.2 years at current primary.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15 years at current job. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL225 | Missing Rider |
No | The 1-4 Family Rider is missing. |
5/4/2026: Received Family Rider. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has been in her profession for almost 20 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 72.10% is less than the max allowed of 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 770 exceeds the min requirement of 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing LOX confirm no non subject properties are subject to HOA dues. Property reports provided do not confirm. XXXXXX pulls up as vacant land on zillow and realtor.com. |
5/8/2026: Received verification, no HOA. |
5/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.96% is below guideline maximum 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $610,564.68 or 235.87 months PITIA. Required reserves per DU approval $104,749.93.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have104 months mortgage payment history 0x30. CFCFS2854: Significant time in profession - Clayton Comments: 24 years at present job. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 447 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.244% is below max 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 exceeds min of 620.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7.2 years at primary residence |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1028 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 11.92 years in the same profession
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the primary residence 7.83 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $27,474.30 or 12.03 months of PITI.$13,708.26 required reserves. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1067 | XXXXXX | XXXXXX | TX | 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 | DTI | Active | A | B | A | B | CRDDTI106 | Debt Ratio Exception >5% and <10% |
No | Lender approved at 38.95%. Clayton calculated income for B1 $15,666.68. Primary $5,095.00 + other debt $1,517 + Subject Net rental Loss $577.75 = $7,189.75 resulting in DTI of 45.89%. Difference is due to primary residence PITI of $5,095, lender used $3,807.00. |
(No Data) | 0428/2026; Exception cancelled, added in error. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 167 points above program minimum requirements of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 69 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $35,302.34 or 13.59 months PITI, Required PITI Reserves per AUS are $15,588.96. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1067 | XXXXXX | XXXXXX | TX | 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 | Lender approved at 38.95%. Clayton calculated income for B1 $15,666.68. Primary $5,095.00 + other debt $1,517 + Subject Net rental Loss $577.75 = $7,189.75 resulting in DTI of 45.89%. Difference is due to primary residence PITI of $5,095, lender used $3,807.00 |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 167 points above program minimum requirements of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 69 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $35,302.34 or 13.59 months PITI, Required PITI Reserves per AUS are $15,588.96. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 295 | XXXXXX | XXXXXX | DC | 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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.63%; guidelines allow 75%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $442,035.15 > required $18,487.56. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1048 | XXXXXX | XXXXXX | KY | 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 CU score. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Credit line usage 1.95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $8,846.82 or 6.8 months PITIA reserves. Minimum required reserves $0.00. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 837 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
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 (or CU) score is n/a. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $162,837.35 or 87.61 months PITI meeting DU Reserve requirement of $59,916.30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified FICO 775 score. Minimum required 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30x51 months positive mortgage payment history. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Appraisal Unit 1 is identified as a 2 bedroom. Unit 1 bedroom photos contain only 1 bedroom photo. Appraisal is missing a second bedroom photo. |
5/26/2026: Received corrected appraisal. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 45.03% is below guideline maximum 50%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 254 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $167,424.58 / 59.72 months PITIA > min required of $68,187.81 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.26% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.60%; guidelines allow 75% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
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/ CU score due to property type. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 45.03% is below guideline maximum 50%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 254 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $167,424.58 / 59.72 months PITIA > min required of $68,187.81 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.26% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.60%; guidelines allow 75% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 361 | XXXXXX | XXXXXX | CO | 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 | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score is 777. The Minimum Score Requirement is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $197,521 or 50.88 months of PITI. Reserves are not required on this Loan. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 361 | XXXXXX | XXXXXX | CO | 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. |
5/21/2026: Received BPO supporting value. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score is 777. The Minimum Score Requirement is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $197,521 or 50.88 months of PITI. Reserves are not required on this Loan. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 361 | XXXXXX | XXXXXX | CO | 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. |
5/21/2026: Received BPO supporting value. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score is 777. The Minimum Score Requirement is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $197,521 or 50.88 months of PITI. Reserves are not required on this Loan. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 217 | 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 | LCA score >2.5. Clayton to order Desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 39.33% is below maximum allowed of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 Credit score exceeds minimum required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Both Mortgages have Payment history of 0 X 30 over 26+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 60.58% is below maximum allowed |
Complete | ||||||||||||||||||||||||||||||||||||||
| 343 | 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 FICO of 683 exceeds the guideline program minimum of 620.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 5 years.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 38 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 120,919.37 or 37.26 months of PITIA. Reserves Required per AUS = $ 19,469.28 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified ATR Exempt. Clayton verified Safe Harbor. Lender to update QM status or verify loan is business purpose. |
6/3/2026: Received Safe Harbor status. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $30,751.11 / 22.82 months PITIA > min required of $2,695.08.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.32% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 425 | XXXXXX | XXXXXX | TN | 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 | LCA score is >2.5. Clayton to order desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $30,751.11 / 22.82 months PITIA > min required of $2,695.08.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.32% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1060 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 793 Guidelines allow 620
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 17 Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 930,476.39 or 355.39 months of PITIAReserves Required per AUS = $ 20,988.96 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 307 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) |
No | FEMA Declaration date XXXXXX and Appraisal completed XXXXXX. PDI to be ordered by Clayton to verify no damage. |
6/2/2026: Received PDI dated 4/30/2026, no damage, |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 fico score exceeds guidelines 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $173811.02 or 86.78 months of P&I |
Complete | ||||||||||||||||||||||||||||||||||||||
| 308 | XXXXXX | XXXXXX | UT | (No Data) | ATR/QM: Exempt |
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 15 years 3 months at current job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 800 is 180 points above the 620 required.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $117,395.90 is $99,452.36 greater than the $17,943.54 reserves required. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $1301.93 Zero Percent Tolerance Violation due to increase in Broker fees from $12038 to $12823.29 and Decrease in lender credits from $6062 to $5545.36 at or prior to closing without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
05.19.2026 -COC provided |
05.19.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 23 Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 28,056.51 or 6.36 months of PITIAReserves Required per AUS = $ 26,475.02
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 713 Guidelines allow 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt |
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. UAD not preformed. Clayton to order desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $103640.36 verified cash reserves exceed guideline requirement $48332.40
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 FICO exceeds guideline minimum 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.73%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.75% DTI below guideline maximum 45% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence with no housing expense |
Complete | ||||||||||||||||||||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | NV | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 qual score; min 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 55mo. 0x30 mortgage payment history; 0x30x12 required. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1049 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt |
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 |
5/29/2026: Received BPO |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 813.
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months in current residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1049 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt |
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. |
5/29/2026: Received BPO |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 813.
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months in current residence. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1049 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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 | 5/29/2026: 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: Min credit score required 620. File credit score 813.
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months in current residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 820 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 737 | 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 | LCA score is unavailable. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 702 exceeds guidelines 620 minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.76% is below guidelines 70% maximum.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $150,337.33 exceed $46,365 required |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1023 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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: 6 years at current job
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Another income and bonus income not used to qualify
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score exceeds guidelines 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1100 | 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 | LCA score is >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 is 154 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $76,093.16/41.23 PITIA which is > guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.56% is below the guideline maximum of 50%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 296 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 882 | XXXXXX | XXXXXX | FL | 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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been with the same employer for five years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 798 is 178 points above program minimum requirement of 620.
CFCFS1746: Significant housing expense reduction - Clayton Comments: The borrower has been at the same residence for seven years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 981 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
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 36.20% is below Guidelines 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14 years at current employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 896 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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 is > 2.5, and Updated valuation is required. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Primary has maintained successful employment in the Oil industry for 40 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower’s have an excellent mortgage payment history with 99 months reviewed reporting 0 late payments. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 511 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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; 26 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 23 years and 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 784 is 164 points above program guideline minimum of 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 832 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.26% is below maximum allowed 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80% is below the maximum allowed 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 802 exceeds guidelines. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1114 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
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 812 exceeds minimum required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of 75,377.72 exceed required of $19,385.94. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 356 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 10.5yrs tenure with current self-employed business CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Additional documented $39,932.11 per month income not used in qualifying. Compensating factor only. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below maximum allowed 85% LTV CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 49 consecutive months current mortgage history exceeds 24 month guideine |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 71 months PITI in reserves post close CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score of 785 exceeds 640 program minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower appears to be career XXXXXX, with over 12 years with the employer |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $56,331.36 or 32.54 months PITI. Required reserves per AUS are $9,784.14 CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower’s position as XXXXXX at well know firm warrants upward future earnings. CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 5 years. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower does not overly utilize credit. Only 2 accounts included in credit usage. CFCFS2860: Good credit history - Clayton Comments: No derogatories reflected on credit report. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1095 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current primary residence for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 732 exceeds the min requirement of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 75% is less than the max allowed of 90%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1036 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
5/15/2026:P BPO received has the incorrect subject address photo for house XXXXXX. Subject is XXXXXX.6/3/2026: BPO received supports appraised value with correct photos. |
5/15/2026: Exception remains.6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 38 years at current job CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus income not used to qualify |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1036 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/15/2026:P BPO received has the incorrect subject address photo for house XXXXXX. Subject is XXXXXX.6/3/2026: BPO received supports appraised value with correct photos. |
5/15/2026: Exception remains.6/3/2026: Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 38 years at current job CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus income not used to qualify |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1017 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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 not available. Clayton to order desk review |
5/21/2026: Received CDA supporting value. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $307,971.47 post close reserves Required reserves $23,572.78 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 321 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender’s MAVENT findings indicate QM status is ATR/ QM Exempt. |
5/21/2026: Received Safe Harbor status. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.34% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $566,969.09 / 115.76 months PITIA > min required of $56,936.17. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 418 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 9.5 years at current employer CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.02% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Actual bonus earnings not included in analysis, 24 month avg of $1304 per month used. Annual $31,296/12=$2608 actual earnings. Prior employment bonus history supports $70,446.43 conservative bonus history. Would have been comfortable using 12 mth average. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 55 consecutive months current mortgage payment history exceeds 24 month guideline review CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay items. 793 Median Credit Score, 2% revolving credit usage, 55 months current mortgage history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $17,392.72 exceed guideline requirement of $3874.74 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 538 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum FICO is 620; Verified FICO was 752 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has maintained significant time in profession over a 10 year period CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has maintained a positve 0 x 30 lifetime mortgage payment history |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 $16.693.20 or 6.62 months PITI. Required PITI Reserves per AUS is $14,987.52 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 Years in Current Profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 750 Guidelines allow 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 630 | XXXXXX | XXXXXX | SC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 25 Years at Current Residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 817 Guidelines allow 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 75,625.67 or 52.76 months of PITIAReserves Required per AUS = $ 9,768.68 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 539 | XXXXXX | XXXXXX | FL | 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 @ 4.87% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 mid score > min required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 25 months. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | SC | 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 | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing evidence of HOA dues for primary residence. |
5/4/2026: Received verification $145/semi- annual HOA. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 28 years. CFCFS1736: Significant time at current residence - Clayton Comments: 28 years at primary residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.54% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | SC | 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 | Legal Documents |
Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) |
No | Missing executed contract addendum for the final purchase price. |
5/4/2026: Received addendum showing $XXXXXX SP. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 28 years. CFCFS1736: Significant time at current residence - Clayton Comments: 28 years at primary residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.54% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 525 | XXXXXX | XXXXXX | OH | 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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 72 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.99% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 476 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 18.01% DTI is below guideline maximum 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $109,239.05 or 31.32 months of P&I$29,841.30 Required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | CO | 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. |
5/15/2026: Received Safe Harbor status. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $38827.96 months of reserves are above the required $30613.16 CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.83% LTV is below the 75% max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO score is above the 620 min. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
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 significant time in profession, 30 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 27 years. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 469 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Provide latest DU findings casefile #XXXXXX as noted on 1008. |
5/6/2026: Received DU #3 XXXXXX casefile #XXXXXX. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $114,334.13 in post closing reserves.DU requires $60,066.19 reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 728/minimum 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 469 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | 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 |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $114,334.13 in post closing reserves.DU requires $60,066.19 reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 728/minimum 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 464 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
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 been at current place of employment for 13 years CFCFS5269: Minimal use of credit - Clayton Comments: 5% consumer credit utilization in file |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1012 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $15,953.32 reserves required.Total assets: $2,098,561.62 verified. CFCFS2854: Significant time in profession - Clayton Comments: 10 years 7 months time in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 score exceeds 620 minimum. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1012 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
5/15/2026: Received Safe Harbor status. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $15,953.32 reserves required.Total assets: $2,098,561.62 verified. CFCFS2854: Significant time in profession - Clayton Comments: 10 years 7 months time in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 score exceeds 620 minimum. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 513 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Provide missing Affiliated Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at current employer CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,491,164.80 or 235 months reserves , Reserves required $12,670.08 or two months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 513 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
5/15/2026: Received Safe Harbor status. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at current employer CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,491,164.80 or 235 months reserves , Reserves required $12,670.08 or two months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 514 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
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 this line of work in the past: 9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer in the past: 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 801 exceeds min score requirement of 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 515 | 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 (or CU) score is >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 761 Guidelines allow 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 26,171.57 or 6.30 months of PITIAReserves Required per AUS = $ 24,913.56 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Minimal usage of available revolving credit lines @ 17.85% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 696 mid score > min required of 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 471 | XXXXXX | XXXXXX | LA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 8 years and 9 months in current residence CFCFS2854: Significant time in profession - Clayton Comments: 27 years and 8 months in current profession. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 958 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 188 points above guideline minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 6 years & 3 months at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x75 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5 years & 8 months at current job |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 958 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
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. |
5/15/2026: received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 188 points above guideline minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 6 years & 3 months at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x75 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5 years & 8 months at current job |
Complete | ||||||||||||||||||||||||||||||||||||||
| 498 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 returned no score due to property type. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 16.30% is below guideline maximum 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 106 months mortgage payment history 0x30. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 209 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $405,902.82 or 63.58 > min required $14,300.60 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 520 | XXXXXX | XXXXXX | NM | (No Data) |
ATR/ QM: Exempt |
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. |
5/21/2026: Received BPO supporting value. |
5/21/2026: Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 98 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $120,778.02 / 50.22 months PITI > min required of $14,431.16. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 520 | XXXXXX | XXXXXX | NM | (No Data) |
ATR/ QM: Exempt |
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. |
5/21/2026: Received BPO supporting value. |
5/21/2026: Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 98 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $120,778.02 / 50.22 months PITI > min required of $14,431.16. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 503 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 80%; guidelines allow 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 859,444.80 > Reserves required $21,585.79 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have24 months mortgage payment history 0x30. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 531 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.17% is below guideline maximum 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.53%; guidelines allow 80%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 944 | XXXXXX | XXXXXX | AK | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Missing appraiser’s signature and license. |
5/4/2026: Received copy of complete appraisal. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 qual score; min 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in the same residence for 27 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 944 | XXXXXX | XXXXXX | AK | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR271 | Comp photos are missing |
No | Missing all comparable and rental appraisal photos. |
5/4/2026: Received copy of complete appraisal. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 qual score; min 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in the same residence for 27 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 944 | XXXXXX | XXXXXX | AK | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR281 | Subject Photos are missing |
No | Missing all subject appraisal photos including 1004D completion photos and all applicable appraisal maps. |
5/4/2026: Received copy of complete 1004D. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 qual score; min 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in the same residence for 27 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 944 | XXXXXX | XXXXXX | AK | (No Data) |
ATR/ QM: Exempt |
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 Risk resulted in no findings; Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 qual score; min 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in the same residence for 27 years. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 578 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
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; 10 years and 9 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 795 is 175 points above program guideline minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.69% DTI is below guideline requirement of 49.99%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 529 | XXXXXX | XXXXXX | TX | 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: Borrowers DTI 45.43% is below guideline maximum 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.13%; guidelines allow 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 mid score > min required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | RI | (No Data) |
ATR/ QM: Exempt |
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 75%; guidelines allow 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years at present job CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at primary residence CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower`s DTI 19.02% is below guideline maximum 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.28% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 971 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL4871 | Missing Title Certification |
No | Missing tax certificate for the subject property. Page 625 shows nothing due and payable yet and tax estimate is based on purchase price. Provide the annual estimated tax used. |
6/2/2026: Received Tax estimate for $3,746.80 annual. Original file had $4,140 annual, which is escrowed. So lender used a higher amount. Clayton made no changes. New Construction so taxes are not available with improvements. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 18 years. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at primary residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 642 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing fully executed CD from purchase of XXXXXX property. Contract and LE were provided in file. |
5/14/2026: Lender LOX - the REO has not closed yet. Contract and LE are all that is available for estimated PITI. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $709,993.90 / 293.58 months PITIA > min required of $14,190.57. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 642 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | 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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $709,993.90 / 293.58 months PITIA > min required of $14,190.57. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 833 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | 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. Lender verified ATR Exempt. Clayton verified Rebuttable Presumption. |
5/29/2026: Received Mavent showing Safe Harbor. After further review, Lock Date was corrected from 3/3/2026, Other Doc, to XXXXXX Lock Date per LE. Clayton now verifies Safe Harbor. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $117,395.41 > Reserve Requirement of $20,369.04 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have24 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 43 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 833 | XXXXXX | XXXXXX | LA | 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 | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Appraisal is missing subject photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $117,395.41 > Reserve Requirement of $20,369.04 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have24 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 43 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 833 | XXXXXX | XXXXXX | LA | 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 | PRVAAPPR167 | Appraisal not Signed |
No | Appraisal is missing signature. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $117,395.41 > Reserve Requirement of $20,369.04 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have24 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 43 years. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 833 | XXXXXX | XXXXXX | LA | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | Appraisal is missing comp photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $117,395.41 > Reserve Requirement of $20,369.04 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have24 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 43 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 800 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Missing photos of subject. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.21% DTI below guideline requirement 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $35716.27 (8months PITI) Verified cash reserves exceed guideline requirement of 6 months $29160.62 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 Has bonus income not being used in qualifying CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO exceeds guideline minimum 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 800 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | Missing Appraisers License and E&O insurance |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.21% DTI below guideline requirement 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $35716.27 (8months PITI) Verified cash reserves exceed guideline requirement of 6 months $29160.62 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 Has bonus income not being used in qualifying CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO exceeds guideline minimum 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 800 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | 1073 missing appraiser signature on main page and throughout |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.21% DTI below guideline requirement 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $35716.27 (8months PITI) Verified cash reserves exceed guideline requirement of 6 months $29160.62 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 Has bonus income not being used in qualifying CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO exceeds guideline minimum 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 800 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing comp photos |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.21% DTI below guideline requirement 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $35716.27 (8months PITI) Verified cash reserves exceed guideline requirement of 6 months $29160.62 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 Has bonus income not being used in qualifying CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO exceeds guideline minimum 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 973 | XXXXXX | XXXXXX | FL | 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 returned 3.0 score. Clayton to order Desk Review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.41%; guidelines allow 90%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.54% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,337,906.17 / 597.46 months PITIA > min required of $4,969.56. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 679 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) |
No | Missing the following from Appraisal: Sketch Addendum, Location addendum, Plat Map, License and E&O |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25 years on job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 score exceeds 620 min CFCFS1736: Significant time at current residence - Clayton Comments: 25 years at current home |
Complete | ||||||||||||||||||||||||||||||||||||||
| 679 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Missing Appraiser signature |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25 years on job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 score exceeds 620 min CFCFS1736: Significant time at current residence - Clayton Comments: 25 years at current home |
Complete | ||||||||||||||||||||||||||||||||||||||
| 679 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR271 | Comp photos are missing |
No | Missing Comp and Rental Comp Photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25 years on job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 score exceeds 620 min CFCFS1736: Significant time at current residence - Clayton Comments: 25 years at current home |
Complete | ||||||||||||||||||||||||||||||||||||||
| 679 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR281 | Subject Photos are missing |
No | Missing all of subject photos |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25 years on job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 score exceeds 620 min CFCFS1736: Significant time at current residence - Clayton Comments: 25 years at current home |
Complete | ||||||||||||||||||||||||||||||||||||||
| 721 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 197 points above guideline minimum of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years & 9 months at current job CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x65 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 549 | XXXXXX | XXXXXX | SD | (No Data) |
ATR/ QM: Exempt |
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/ CU Score due to property type. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 qualifying score exceeds minimum 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0X51 months mortgage payment history exceeds guide lines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $ 922,900.74 exceeds guide lines. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 674 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $63,155.29 reserves required $6,026.00 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 780 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
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) has no score. Clayton to order desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 35.43 is below guideline max of 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $72071.31 exceeds AUS requirement of $24886.36 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 745 exceeds guideline minimum of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 738 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
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 is >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x137 Consumer credit history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 81 points above guideline minimum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $59,074.15 or 16.01 months PITIA. Required reserves per DU approval are $34,345.07. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 637 | XXXXXX | XXXXXX | NY | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Provide updated AUS run showing the number of financed properties as 2. Primary home has open HELOC. Current AUS run dated XXXXXX shows reserves calculated using total of 1 financed property. |
5/15/2026: Received updated DU #10 23.25% DTI. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 85% max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 FICO score is above the 620 min. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.25% DTI is below the 45% max. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 708 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
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 $35,267.33 or 10.37 months of PITIA. Required reserves per DU approval $20,410.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 fico score exceeds guidelines 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 709 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | C | A | A | D | D | D | D | D | C | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Post Close Assets are $10,744.02 or 5.26 months reserves , $12,263.26 reserves required (6 months). Borrower is short reserves of $1,519.24. Missing documentation supporting the $60,000 EMD source and proof funds cleared. |
5/11/2026: Received XXXXXX - already in the original PDF.5/18/2026: Received doc to show $60K Lot Credit. Verified $70,744.02 reserves. |
5/11/2026: Exception remains.5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 40+ years at current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mind score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 35 years at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 709 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | C | A | A | D | D | D | D | D | C | A | A | Credit | Terms/ Guidelines |
Active | D | D | D | D | CRDTER2548 | Missing AUS or AUS errors present |
Yes | 5/18/2026: Exception added after review of trailing docs: Received Welcome Home Sales Worksheet to show source of funds for $60K EMD. The Worksheet, shows a Lot Credit and based on description, subject is a manufactured home. This requires AUS to be re-run and update property type to Manufactured home. DU must remain Approve/ Eligible. Additional conditions may apply. |
5/29/2026: Response from Lender, subject is a Modular Home. Clayton disagrees. Exception is still valid. Both Manufactured homes and Modular homes are not stick built, they are built in factories and transported. The Lot Credit Worksheet, at bottom of page indicates Manufactured Home. Further review verifies Model XXXXXX” is a manufactured Home sold by XXXXXX, who is also the seller. Sales Contract also notes subject is a Manufactured Home, new. |
5/29/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 40+ years at current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mind score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 35 years at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 709 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | C | A | A | D | D | D | D | D | C | A | A | Property Valuations |
Appraisal | Active | C | C | C | C | PRVAAPPR4789 | Appraisal Deficiency |
Yes | 5/18/2026: Exception added after review of trailing docs: Received Welcome Home Sales Worksheet to show source of funds for $60K EMD. The Worksheet, shows a Lot Credit and based on description, subject is a manufactured home. This requires appraisal done on report 1004C. |
5/29/2026: Response from Lender, subject is a Modular Home. Clayton disagrees. Exception is still valid. Both Manufactured homes and Modular homes are not stick built, they are built in factories and transported. The Lot Credit Worksheet, at bottom of page indicates Manufactured Home. Further review verifies Model “XXXXXX” is a manufactured Home sold by XXXXXX, who is also the seller. Sales Contract also notes subject is a Manufactured Home, new. |
5/29/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 40+ years at current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mind score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 35 years at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 709 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | C | A | A | D | D | D | D | D | C | 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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 40+ years at current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mind score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 35 years at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 767 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 FICO score is above the 620 min. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $156410.36 in reserves is above the required $13683.20 CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 85% max |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 831 | 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 | 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 | 1. Missing Real estate Tax validation forXXXXXX.2. Provide lender QM determination. |
5/6/2026: Received tax cert for REO. Item #1 cleared.5/14/2026: Received Safe Harbor status. |
5/6/2026: Exception remains for Item #2.5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 796 exceeds minimum of 620 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #104 months, Credit ratio 17.26% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $540,559.35Required Reserves are $75,611.71 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 831 | 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 | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing Real estate Tax validation for XXXXXX, |
5/6/2026: Received tax cert for REO. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 796 exceeds minimum of 620 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #104 months, Credit ratio 17.26% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $540,559.35Required Reserves are $75,611.71 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 831 | 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 | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Photos of subject missing from appraisal in file |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 796 exceeds minimum of 620 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #104 months, Credit ratio 17.26% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $540,559.35Required Reserves are $75,611.71 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 831 | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | Photos of comps missing from appraisal in file |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 796 exceeds minimum of 620 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #104 months, Credit ratio 17.26% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $540,559.35Required Reserves are $75,611.71 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 670 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Maximum DTI is 50%, borrower’s DTI is 44.61% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum credit score required is 620, borrower’s credit score is 764. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 760 | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Clayton ATR/ QM status pending, missing proof of PITIA for the following properties: XXXXXX |
5/19/2026: Received HOI and taxes for all REOs. |
5/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $64,540.61/ 17.65 months PITIA > min required of 8.08 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 53 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 760 | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | 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. |
Yes | $147.90 Ten Percent Tolerance Violation due to Title Endorsement fee added on Final CD XXXXXX, without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $64,540.61/ 17.65 months PITIA > min required of 8.08 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 53 years. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 762 | XXXXXX | XXXXXX | KY | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Appraisal doesn’t include photographs of the subject |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower mortgage history is 0 x 30 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Credit score exceeds program minimum of 640 CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers utilize revolving credit minimally; 14.97% credit line usage ratio |
Complete | ||||||||||||||||||||||||||||||||||||||
| 762 | XXXXXX | XXXXXX | KY | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | Appraisal is missing copy of appraiser license |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower mortgage history is 0 x 30 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Credit score exceeds program minimum of 640 CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers utilize revolving credit minimally; 14.97% credit line usage ratio |
Complete | ||||||||||||||||||||||||||||||||||||||
| 762 | XXXXXX | XXXXXX | KY | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4791 | Appraisal Deficiency #2 |
No | Appraisal is missing location map |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower mortgage history is 0 x 30 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Credit score exceeds program minimum of 640 CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers utilize revolving credit minimally; 14.97% credit line usage ratio |
Complete | ||||||||||||||||||||||||||||||||||||||
| 762 | XXXXXX | XXXXXX | KY | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Appraisal hasn’t been signed by appraiser |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower mortgage history is 0 x 30 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Credit score exceeds program minimum of 640 CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers utilize revolving credit minimally; 14.97% credit line usage ratio |
Complete | ||||||||||||||||||||||||||||||||||||||
| 762 | XXXXXX | XXXXXX | KY | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Appraisal is missing the comp photos |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower mortgage history is 0 x 30 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Credit score exceeds program minimum of 640 CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers utilize revolving credit minimally; 14.97% credit line usage ratio |
Complete | ||||||||||||||||||||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
Yes | Zero Tolerance Fee of $4575.34 due to Discount points and Transfer taxes increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $251,892.98 or 71.03 months of PITI.Reserves required per DU $7,092.73. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.69% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | 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 | Selection not made on Final Closing Disclosures 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 |
(No Data) | (No Data) | Non-Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $251,892.98 or 71.03 months of PITI.Reserves required per DU $7,092.73. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.69% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Credit | DTI | Active | D | D | D | D | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
Yes | Missing mortgage statement(s) for the primary residence located at XXXXXX. To support PITIA. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $251,892.98 or 71.03 months of PITI.Reserves required per DU $7,092.73. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.69% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Credit | Insurance | Active | D | D | D | D | CRDINSR5081 | Insurance Policy missing required endorsements |
Yes | Missing supplement property insurance listed on the DU. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $251,892.98 or 71.03 months of PITI.Reserves required per DU $7,092.73. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.69% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Photos are not listed on the appraisal. |
5/6/2026: Exception satisfied. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $251,892.98 or 71.03 months of PITI.Reserves required per DU $7,092.73. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.69% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) |
No | Appraisal is missing photos and appraiser signature. |
5/6/2026: Exception satisfied. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $251,892.98 or 71.03 months of PITI.Reserves required per DU $7,092.73. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.69% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Appraiser signature is missing. |
5/6/2026: Exception satisfied. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $251,892.98 or 71.03 months of PITI.Reserves required per DU $7,092.73. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.69% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Photos are not listed on the appraisal. |
5/6/2026: Exception satisfied. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $251,892.98 or 71.03 months of PITI.Reserves required per DU $7,092.73. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.69% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 672 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Missing the subject photos |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 713. Minimum required 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 13 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $84,327.39 or 41.43 months PITI reserves. Required reserves $17,980.84 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 672 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Missing the signature on the appraisal |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 713. Minimum required 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 13 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $84,327.39 or 41.43 months PITI reserves. Required reserves $17,980.84 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 672 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing the Comp photos |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 713. Minimum required 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 13 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $84,327.39 or 41.43 months PITI reserves. Required reserves $17,980.84 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 770 | XXXXXX | XXXXXX | IL | 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 | Missing Initial Lender ATR/QM status determination. |
5/15/2026: Received Safe Harbor status. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below Guidelines 75% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $76,402.86 exceed required reserves $15,585.66. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.84% is below Guidelines 45% maximum. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.08% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 718 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | Provide complete copy of appraisal. Subject Interior/ Exterior photos, comp photos, Sketches, Maps Appraiser lice and E&O Insurance are missing. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 697 exceeds minimum fico of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on any mortgages within the last 5 years CFCFS5269: Minimal use of credit - Clayton Comments: Credit Utilization is only 36.90% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 718 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Missing subject Interior/ Exterior photos on report. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 697 exceeds minimum fico of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on any mortgages within the last 5 years CFCFS5269: Minimal use of credit - Clayton Comments: Credit Utilization is only 36.90% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 718 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Missing Appraiser signature on report. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 697 exceeds minimum fico of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on any mortgages within the last 5 years CFCFS5269: Minimal use of credit - Clayton Comments: Credit Utilization is only 36.90% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 718 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing Comp photos on report. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 697 exceeds minimum fico of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on any mortgages within the last 5 years CFCFS5269: Minimal use of credit - Clayton Comments: Credit Utilization is only 36.90% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 718 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
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/CU Score due to property type. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 697 exceeds minimum fico of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on any mortgages within the last 5 years CFCFS5269: Minimal use of credit - Clayton Comments: Credit Utilization is only 36.90% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | TX | 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 | 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 $50 due to Appraisal — 1 Family increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
5/21/2026: Received XXXXXX PCCD, $50 Cashier check, LOX and proof sent to borrower. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 640 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have123 months mortgage payment history 0x30. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.22% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | TX | 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 | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | Provide a complete copy of appraisal report. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 640 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have123 months mortgage payment history 0x30. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.22% is below guideline maximum 45%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | TX | 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 | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Appraisal missing legible photos of subject property. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 640 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have123 months mortgage payment history 0x30. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.22% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR167 | Appraisal not Signed |
No | Appraisal is missing signature. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 640 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have123 months mortgage payment history 0x30. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.22% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | TX | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | Appraisal missing legible photos of all comps. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 640 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have123 months mortgage payment history 0x30. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.22% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/ CU Score due to property type. Clayton to order Desk Review. |
5/21/2026: Received CDA supporting value. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 640 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have123 months mortgage payment history 0x30. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.22% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/ Mtg History |
Active | B | B | B | B | CRDCRMH123 | No evidence of required debt payoff |
No | Missing payoffs from XXXXXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 660. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $69.204.18 or 14.72 months of PITI |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | FL | 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 | 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: 788 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.41% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $122,515.25 or 19.18 months PITI reserves, LP required $76,665.12 in reserves be verified. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | FL | 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 |
Active | C | C | C | C | CMPTRID3658 | TRID — Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance |
Yes | CD XXXXXX: 6.113% — CD XXXXXX: 6.162% = +0.049% (exceeded 0.125% however was 3 day timing was met)CD XXXXXX; 6.162% (APR) CD XXXXXX; 6.64% (APR) = +0.47%, which exceeds the allowable threshold of 0.125%).No confirmed receipt 3 days prior to close. |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.41% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $122,515.25 or 19.18 months PITI reserves, LP required $76,665.12 in reserves be verified. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | FL | 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 | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | Provide complete copy of appraisal with all photos, maps, sketches, appraiser license & E&O. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.41% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $122,515.25 or 19.18 months PITI reserves, LP required $76,665.12 in reserves be verified. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | FL | 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 | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | The subject photos are not viewable on the PDF |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.41% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $122,515.25 or 19.18 months PITI reserves, LP required $76,665.12 in reserves be verified. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | FL | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | The comp photos are not viewable on the PDF |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.41% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $122,515.25 or 19.18 months PITI reserves, LP required $76,665.12 in reserves be verified. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 692 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | Provide updated appraisal with all sketches and maps & subject and comp photos, as well as copy of appraiser license. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.19% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 37 years at primary residence. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 692 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Appraisal is missing the signature of the appraiser XXXXXX. Images within appraisal are not legible and appear to be corrupted. Provide appraisal with legible signature. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.19% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 37 years at primary residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 692 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
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 returned score of 4. Clayton to order Desk Review. |
5/19/2026: Received CDA supporting value. |
5/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.19% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 37 years at primary residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 693 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | The appraisal of the subject property does not include photos of the subject property. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99+ months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 693 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | The appraisal of the subject property does not include photos of the comparable homes used on the evaluation. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99+ months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 902 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 136.51 months piti reserves CFCFS5269: Minimal use of credit - Clayton Comments: 5% consumer credit utilization in file |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 662 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Appraisal report missing appraiser’s signature. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Credit line usage ratio .31% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $316,723.51 or 87 months reserves PITIA. Required reserves $38,598.34. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 68% < 80% minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 middle fico score > minimum required 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 658 | XXXXXX | XXXXXX | MN | 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 | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Missing the subject photos |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 686. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $25,413.91 or 10.74 months PITI reserves. Require reserves $18,051.08 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their current residence for 15 years |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 658 | XXXXXX | XXXXXX | MN | 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 | PRVAAPPR167 | Appraisal not Signed |
No | Missing the signed appraisal |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 686. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $25,413.91 or 10.74 months PITI reserves. Require reserves $18,051.08 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their current residence for 15 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 658 | XXXXXX | XXXXXX | MN | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing the Comp photos |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 686. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $25,413.91 or 10.74 months PITI reserves. Require reserves $18,051.08 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their current residence for 15 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 658 | XXXXXX | XXXXXX | MN | 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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 686. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $25,413.91 or 10.74 months PITI reserves. Require reserves $18,051.08 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their current residence for 15 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 722 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
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/ CU Score. Clayton to order third party review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 rep score; minimum score is 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $124,565.84 reserves required $18,479.52 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1003 | XXXXXX | XXXXXX | FL | 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: Borrower credit score of 763 exceeds min score requirement of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x73. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $50,017.29 or 15.44 months of PITI. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Subject photos are not legible on appraisal. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years, 5 months at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Appraisal is missing appraiser’s signature on page 6 of document. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years, 5 months at primary residence |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Comp photos are not legible on appraisal. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years, 5 months at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years, 5 months at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 907 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements |
No | B1 is S/E sched C. 100% ownership. Final signed 1003 reflects < 25% ownership. Final AUS run #09 dated XXXXXX was run as B1 wage earner. Provide corrected final signed 1003 reflecting 100% ownership of business and updated AUS run showing B1 as S/E sched C. With Approve/ Eligible finding, |
5/11/2026: Received updated DU and 1003. Still App/Eli. |
5/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 months payment history required, credit shows over 27 months with no lates CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 85%, Current LTV 80% CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments |
Complete | ||||||||||||||||||||||||||||||||||||||
| 793 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
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 reserves of $1,097,370.81 exceeds DU requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 784 CFCFS1736: Significant time at current residence - Clayton Comments: 6 years and 5 months in current residence. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1046 | 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 | CU score is >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 800 is 180 points above minimum program requirement of 620. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has maintained current job for 260 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $361,611.43/110.57 PITIA which is > guideline minimum. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 353 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.83% is below the guideline maximum of 50%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers has resided at current primary residence for 396 months. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 758 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
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 | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 Credit score exceeds guidelines of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $224,810.08 or 146.27 months PITIA.Required reserves per LP approval $23,967.24. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 208 months of mortgage history with 0x30 exceeds the 12 months required. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 11 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 5%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 758 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | Appraisal is missing all photos. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 Credit score exceeds guidelines of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $224,810.08 or 146.27 months PITIA.Required reserves per LP approval $23,967.24. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 208 months of mortgage history with 0x30 exceeds the 12 months required. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 11 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 5%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 758 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
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 | PRVAAPPR167 | Appraisal not Signed |
No | Appraisal is not signed by Appraiser. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 Credit score exceeds guidelines of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $224,810.08 or 146.27 months PITIA.Required reserves per LP approval $23,967.24. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 208 months of mortgage history with 0x30 exceeds the 12 months required. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 11 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 5%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 812 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
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: 11 years with current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 exceeds 620 minimum CFCFS2860: Good credit history - Clayton Comments: 0x30 derogatory marks |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 849 | 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 3.5. Clayton to order Desk Review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history exceeds guidelines CFCFS2860: Good credit history - Clayton Comments: Good credit history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job- owned business over 11 years |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 697 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at primary residence CFCFS2854: Significant time in profession - Clayton Comments: 25 years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 759 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Missing photographs for the subject appraisal. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 60 months piti as reserves
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower 2 has more than 20 years at the employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score exceeds 640 program minimum |
Complete | ||||||||||||||||||||||||||||||||||||||
| 759 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | Missing Appraiser license. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 60 months piti as reserves
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower 2 has more than 20 years at the employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score exceeds 640 program minimum |
Complete | ||||||||||||||||||||||||||||||||||||||
| 759 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4791 | Appraisal Deficiency #2 |
No | Missing Location map. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 60 months piti as reserves
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower 2 has more than 20 years at the employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score exceeds 640 program minimum |
Complete | ||||||||||||||||||||||||||||||||||||||
| 759 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Missing Appraisers signature. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 60 months piti as reserves
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower 2 has more than 20 years at the employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score exceeds 640 program minimum |
Complete | ||||||||||||||||||||||||||||||||||||||
| 759 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing comp photographs included with the appraisal report |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 60 months piti as reserves
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower 2 has more than 20 years at the employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score exceeds 640 program minimum |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 908 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | 5/13/2026 Exception added: Provide complete appraisal. Missing all subject and comp photos, maps and sketches and appraiser signature. |
5/14/2026: Received complete appraisal report. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 778 exceeds min score requirement of 620.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 46 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 908 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 (no score available) score is >2.5. Clayton to order desk review. |
5/18/2026: Received CDA supporting value. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 778 exceeds min score requirement of 620.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 46 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Appraisal Subject Photos are blank |
5/4/2026: Received copy of complete appraisal. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 23 months
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at the current residence for 25 years
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.39% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 Credit score exceeds minimum required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Missing Appraiser’s signature on the Appraisal |
5/4/2026: Received copy of complete appraisal. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 23 months
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at the current residence for 25 years
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.39% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 Credit score exceeds minimum required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Appraisal Comp photos are blank |
5/4/2026: Received copy of complete appraisal. |
5/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 23 months
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at the current residence for 25 years
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.39% is below maximum allowed of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 Credit score exceeds minimum required of 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 748 | 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 LCA/CU score. Clayton to order Desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 782 / 806 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #139 months, Credit ratio 30.12%
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #12 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #8 years |
Complete | ||||||||||||||||||||||||||||||||||||||
| 735 | 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. |
5/18/2026: Received BPO supporting value. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.33% LTV below guideline requirements of 90% per program.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 8 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 12 years and 7 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 735 | 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. |
5/18/2026: Received BPO supporting value. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.33% LTV below guideline requirements of 90% per program.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 8 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 12 years and 7 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 704 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified ATR Exempt. Clayton verified Safe Harbor. Lender to update QM determination or provide proof business use. |
5/26/2026: Received Safe Harbor status. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $21,850.23 or 8.77 months PITI, LP required $14,949.42 in reserves to be verified.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.60% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 704 | XXXXXX | XXXXXX | NC | 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 | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Unable to view the subject photos in the PDF, possibly corrupted file. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $21,850.23 or 8.77 months PITI, LP required $14,949.42 in reserves to be verified.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.60% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 mid score > min required of 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 704 | XXXXXX | XXXXXX | NC | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | Unable to view the comp photos in the PDF, possibly corrupted file. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $21,850.23 or 8.77 months PITI, LP required $14,949.42 in reserves to be verified.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.60% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 807 | 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 | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Subject photos missing on document in file |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit ratio 10.82%
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #109 months, Credit ratio 10.82%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 804 exceeds minimum of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 807 | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | Comparable photos missing on document in file. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit ratio 10.82%
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #109 months, Credit ratio 10.82%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 804 exceeds minimum of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 807 | 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 | No LCA/CU Score. Clayton to order Desk Review. |
5/21/2026: CDA received. |
5/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit ratio 10.82%
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #109 months, Credit ratio 10.82%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 804 exceeds minimum of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 807 | 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 | 5/21/2026: Exception added after review of trailing docs: CDA returned Indeterminate value. Clayton to order next level review. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit ratio 10.82%
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #109 months, Credit ratio 10.82%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 804 exceeds minimum of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 706 | 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 | Missing Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.44% DTI below guideline requirement- max 45%
CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 40 months |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 753 | XXXXXX | XXXXXX | TN | 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 |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $32,596.30 or 23.50 months PITI, DU required $8,320.93 in reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 22.66% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 809 | 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. |
5/15/2026: received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $8,020.34 or 3 months of PITIA.Reserves Required per AUS = $5,354.23.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 817 Guidelines allow 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 Years in Current Profession |
Complete | ||||||||||||||||||||||||||||||||||||||
| 809 | 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. |
5/15/2026: received BPO supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $8,020.34 or 3 months of PITIA.Reserves Required per AUS = $5,354.23.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 817 Guidelines allow 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 Years in Current Profession |
Complete | ||||||||||||||||||||||||||||||||||||||
| 901 | 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 |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.08%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $112,199.37 or 57.60 months PITI, the LP approval required no reserves to be verified.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 901 | 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. |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.08%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $112,199.37 or 57.60 months PITI, the LP approval required no reserves to be verified.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 707 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Missing photos for Subject |
5/6/2026: Received Complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $344,123.68 or 55.89 months PITI. Required reserves per AUS are $36,950.10.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.99% LTV below guideline requirements of 75% per program.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 276 months, no derogs CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 770 exceeds the guideline program minimum of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 45 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 707 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing photos for Comparables |
5/6/2026: Received complete Appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $344,123.68 or 55.89 months PITI. Required reserves per AUS are $36,950.10.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.99% LTV below guideline requirements of 75% per program.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 276 months, no derogs CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 770 exceeds the guideline program minimum of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 45 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 974 | XXXXXX | XXXXXX | NY | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years 10 months at current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 807 is 187 points above the 620 required.
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. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 773 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.55% is below guideline maximum 45%.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Both borrowers receive overtime and bonus income not used or needed for qualification. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $30,867.8/ 17 months PITI > min required of $10,895.77. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 776 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | The appraisal of the subject property is missing all pictures of the subject property. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have64 months of current mortgage payment history 0x30.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of 135,186.50 / 25.25 months PITII > min required of $42,810.42. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 776 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | The appraisal for the subject property is missing the signature of the appraiser. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have64 months of current mortgage payment history 0x30.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of 135,186.50 / 25.25 months PITII > min required of $42,810.42. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 776 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | The appraisal of the subject property is missing pictures of all the comparable properties. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have64 months of current mortgage payment history 0x30.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of 135,186.50 / 25.25 months PITII > min required of $42,810.42. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 776 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
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. |
5/21/2026: Received CDA supporting value. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have64 months of current mortgage payment history 0x30.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of 135,186.50 / 25.25 months PITII > min required of $42,810.42. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1042 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
5/11/2026: Received Safe Harbor status. |
5/11/2026: Exception satisfied.l |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years with current employer.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.66%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 777 | XXXXXX | XXXXXX | NV | 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. |
5/18/2026: Received Safe Harbor status. |
5/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have128 months mortgage payment history 0x30.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 40 years at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 777 | XXXXXX | XXXXXX | NV | 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 | Application | Satisfied | C | A | C | A | CRDAPP2418 | Ownership history inaccurate / incomplete |
No | Loan submitted as an investment cash out refinance, per appraisal property is owner occupied. Appraiser to address occupancy. |
5/18/2026: Received doc showing Sales Worksheet for what looks like a mobile home or manufactured home. Cannot tie to this exception.5/28/2026: Received corrected appraisal to Tenant and subject photos support a stick built home, not a manufactured home. |
5/18/2026: Exception remains.5/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have128 months mortgage payment history 0x30. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 40 years at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 779 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
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 @ 3% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $535,828.29 or 382 months reserves. Required reserves are $8,397.36 or 6 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 34.81% is below maximum allowed of 45% |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 880 | XXXXXX | XXXXXX | MN | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | State Consumer Protection |
Active | B | B | B | B | CMPSTCP1537 | MN Home Loan - No acknowledgement of Oral Tax/ Insurance Disclosure in file. |
No | Missing the Acknowledgment of the MN Oral Tax Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 798 Guidelines allow 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 24,350.55 or 7.72 months of PITIAReserves Required per AUS = $ 18,931.68 CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 782 | XXXXXX | XXXXXX | SC | (No Data) | ATR/QM: Exempt |
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 723 exceeds 620 minimum required FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves 191 months exceed the minimum required $16,800.08 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.14% is below 45% maximum DTI |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 783 | XXXXXX | XXXXXX | NC | (No Data) | ATR/QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete |
No | Per DU Findings #26 -XXXXXX mortgage/Heloc is not disclosed on the loan application. |
5/14/2026: Received credit report and updated 1003 showing XXXXXX as required. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% below min. of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $141,881.74 , required reserves $58,533.14 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 783 | XXXXXX | XXXXXX | NC | (No Data) | ATR/QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Credit/Mtg History |
Satisfied | D | A | D | A | CRDCRMH183 | Credit report incomplete |
No | Credit Report received is not legible |
5/6/2026: Received full credit report. |
5/6/2026: Exception satidfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% below min. of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $141,881.74 , required reserves $58,533.14 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 783 | XXXXXX | XXXXXX | NC | (No Data) | ATR/QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File |
No | B1 income is variable, need two years history to average income, only have 6.12 months documented |
5/14/2026: Received 2025 & 2024 year end paystubs. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% below min. of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $141,881.74 , required reserves $58,533.14 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 783 | XXXXXX | XXXXXX | NC | (No Data) | ATR/QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU score of 2.6 is > than 2.5 - Clayton to order desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% below min. of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $141,881.74 , required reserves $58,533.14 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 952 | XXXXXX | XXXXXX | PA | QM: Safe Harbor |
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 | Provide Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 28% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 211 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 38+ years at present job CFCFS1736: Significant time at current residence - Clayton Comments: 15+ years at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have68 months mortgage payment history 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 952 | XXXXXX | XXXXXX | PA | QM: Safe Harbor |
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 Desk Review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 28% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 211 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 38+ years at present job CFCFS1736: Significant time at current residence - Clayton Comments: 15+ years at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have68 months mortgage payment history 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 876 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | Documentation in the loan file supports a primary housing obligation of $10,402.03 per month. Loan submitted to AUS with a housing payment of $6,413. Using the higher payment, the DTI is 56.74%. Obligations = $18,139.90/ Monthly income = $31,970.91 |
5/6/2026: Received credit report to show $6,413 PITI. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have61 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $328,407.59 / 54.27 months PITIA > min required of $42,826.587. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1092 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33% dti below max DTI 45% CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 credit score exceeds guidelines 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1045 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/ CU score due to property type. Clayton to order Desk Review. |
5/14/2026: Received CDA. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have42 months mortgage payment history 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1045 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 5/14/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order next level review. |
5/18/2026: Received Report 2055, not supporting value. Lender to order full appraisal.5/29/2026: Received Field Review supporting value. |
5/18/2026: Exception remains.5/29/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have42 months mortgage payment history 0x30. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 953 | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (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 | RESPA: Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.04% is below Guidelines 45% maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 exceeds program minimum requirements of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets of $53,883.83 exceed $0 reserves required per LP findings. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 953 | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | 5/13/2026: Exception added: Provide a complete copy of the appraisal report. Missing all subject and comp photos, maps and sketches, missing appraiser signature. |
5/14/2026: Received complete appraisal. |
5/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.04% is below Guidelines 45% maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 exceeds program minimum requirements of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets of $53,883.83 exceed $0 reserves required per LP findings. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 953 | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (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. |
5/18/2026: Received CDA supporting value. |
5/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.04% is below Guidelines 45% maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 exceeds program minimum requirements of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets of $53,883.83 exceed $0 reserves required per LP findings. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 803 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
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 with employer > 7 years CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #225 months, Credit ratio 21.20% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 787 exceeds minimum of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 892 | XXXXXX | XXXXXX | MD | 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 5 >2.5. Clayton to order deskreview |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have234 months mortgage payment history 0x30. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .68% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have92 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $197,531.02 > min required of $26,861.32 CFCFS1736: Significant time at current residence - Clayton Comments: 24+ years at current residence |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | Loan Status | ||||||||||||||||||||||||||||||||||||||
| 840 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 update valuation: CU score is >2.5. Clayton to order a desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1746: Significant housing expense reduction - Clayton Comments: Housing expense reduction from $2510.18 to $2275.86 per month. 9.34% reduction CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 793 Median Credit score. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.61% LTV below 75% maximum allowed guideline LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $70,894.71 or 31.15 moths of PITIA, Required Reserves per AUS are $13,301.17 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 889 | XXXXXX | XXXXXX | CT | (No Data) |
ATR/ QM: Exempt |
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 $608,023.63Required Reserves are $20,339.02 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have114 months mortgage payment history 0x30. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 842 | 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 exceeds 2.5. Clayton to order Desk Review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in his profession for 16 years 5 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self-employed for 10 years 3 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $5,410,374.42 - $26,271.47 required reserves = $5,384,102.95/$6,752.58 PITI = 797.34 months reserves. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 843 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Credit | Legal Documents |
Active | D | D | D | D | CRDLGL225 | Missing Rider |
Yes | Missing the executed PUD Rider. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years and 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI of 38% is below the guideline of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 781 exceeds guideline requirement of 620 CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 40 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,212.36 or 66.99 moths of PITIA, Required Reserves per AUS are $20,609.03 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 843 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | B | A | A | D | D | D | D | 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 |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years and 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI of 38% is below the guideline of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 781 exceeds guideline requirement of 620 CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 40 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,212.36 or 66.99 moths of PITIA, Required Reserves per AUS are $20,609.03 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 843 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | B | A | A | D | D | D | D | 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. |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years and 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI of 38% is below the guideline of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 781 exceeds guideline requirement of 620 CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 40 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,212.36 or 66.99 moths of PITIA, Required Reserves per AUS are $20,609.03 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 891 | 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 | LCA (or CU) score is >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 43 years at present job CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .88% CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below guideline requirements of 90% per program. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 967 | XXXXXX | XXXXXX | SC | 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-31.21% IS BELOW MAX 45% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 34 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 775 exceeds min of 620. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1108 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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/ SSR has no value, Clayton to order desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15+ years at current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min. required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 17+ years at primary residence |
Complete | ||||||||||||||||||||||||||||||||||||||
| 886 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 17% is less than max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $762050.09 exceeds AUS requirement of $14380.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 783 exceed guideline minimum of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 898 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 43.79% DTI is below the 45% max CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 FICO score is above the 620 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 85% max |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 939 | XXXXXX | XXXXXX | FL | 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 25.57% is below Guideline 45% maximum. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has 29 years on current job and borrower 2 has 33 years on current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 966 | 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 | LCA (or CU) score is >2.5. Clayton to order desk review |
5/15/2026: Received CDA supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 35.3 is below guideline maximum of 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $42091.80 exceeds AUS requirement of $41781.54 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 704 exceeds guideline minimum of 620 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 884 | XXXXXX | XXXXXX | MN | ATR/QM: Not Applicable |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | C | C | D | C | A | A | D | C | C | C | Compliance | Ability to Repay/ Qualified Mortgage |
Active | C | C | C | C | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
Yes | Lender show QM N/A. Clayton verified Safe Harbor. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $47,903.17 exceed $11,820.91 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.68% is below 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.71% is below 90% maximum. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 884 | XXXXXX | XXXXXX | MN | ATR/QM: Not Applicable |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | C | C | D | C | A | A | D | C | C | C | 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. |
5/15/2026: Received BPO. |
5/15/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $47,903.17 exceed $11,820.91 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.68% is below 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.71% is below 90% maximum. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 884 | XXXXXX | XXXXXX | MN | ATR/QM: Not Applicable |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | C | C | D | C | A | A | D | C | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/15/2026: Received BPO. |
5/15/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $47,903.17 exceed $11,820.91 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.68% is below 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.71% is below 90% maximum. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 884 | XXXXXX | XXXXXX | MN | ATR/QM: Not Applicable |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | C | C | D | C | A | A | D | C | C | C | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 5/15/2026: Exception added after review of trailing docs: Received BPO not supporting value. (- 15.85%). Clayton to order next level review. |
5/26/2026: Received 2055 Report not supporting value. Lender to order full appraisal. |
5/26/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $47,903.17 exceed $11,820.91 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.68% is below 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.71% is below 90% maximum. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 957 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 (or CU) score is n/a. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 786 FICO score. Minimum required 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x288 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 11 years and 11 months. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30x64 months positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $372,182.96 or 73.98 months PITIA meeting DU reserve requirement of $93,383.33. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 885 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified ATR Exempt. Clayton verified Safe Harbor. |
6/4/2026: Received Safe Harbor status. |
6/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Minimal usage of available revolving credit lines @ 0% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower score is 785. Minimum score per program is 620. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 959 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 766 exceeds min score requirement of 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 25 years. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 888 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
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 |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 33% is below guideline of 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $167922.63 AUS Requirement : $30552.12 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 795 exceeds guideline minimum of 700 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1065 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | 1. Missing verification of HOA expense for primary residence of $579.12 used to qualify.2. Missing proof of no hazard coverage or HOA expense for XXXXXX as qualified with. 3. Missing proof of no hazard coverage or HOA expense for XXXXXX as qualified with. 4. Missing proof of no hazard coverage or HOA expense for XXXXXX as qualified with.5. Missing proof of no lien on XXXXXX. |
5/6/2026: Received verification of no HOA or HOI on the REOs. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 30 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 40 years 1 month in same line of work. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1065 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score not established. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 30 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 40 years 1 month in same line of work. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 969 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
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/CU score >2.5 - Clayton to order desk review |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 31 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @6.39% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1107 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 FNMA UCDP provided. Clayton to order Desk Review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 29 years and 8 months in current profession. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years and 10 months in current residence. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 962 | XXXXXX | XXXXXX | MI | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete |
No | Credit report has a Fraud ID victim alert. Provide verification borrower authorizes this transaction. |
5/17/2026: Received verification borrower authorized transaction. |
5/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 790 Guidelines allow 620. CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months |
Complete | ||||||||||||||||||||||||||||||||||||||
| 943 | XXXXXX | XXXXXX | TX | 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 | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Insufficient Hazard Insurance Coverage- Note amount is $XXXXXX verse current insurance coverage amount $XXXXXX. |
5/19/2026: Received RCE, $XXXXXX to rebuild. |
5/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $262,330.29 or 52.97 months of PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 761 exceeds min score requirement of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 10 years CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 48 months. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 943 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is 0 Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $262,330.29 or 52.97 months of PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 761 exceeds min score requirement of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 10 years CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 48 months. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 933 | 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 | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 19.84 is below maximum allowed of 45% CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 94 months CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 24 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 Credit score exceeds minimum required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $313,630.55 exceeds DU requirement of $5,020.67 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 933 | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. |
(No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 19.84 is below maximum allowed of 45% CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 94 months CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 24 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 Credit score exceeds minimum required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $313,630.55 exceeds DU requirement of $5,020.67 |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 933 | 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 | CU Score >2.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 19.84 is below maximum allowed of 45% CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 94 months CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 24 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 Credit score exceeds minimum required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $313,630.55 exceeds DU requirement of $5,020.67 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1101 | XXXXXX | XXXXXX | NE | 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: 788 mid score > min required of 660. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $339,490.55 or 167.46 months of PITI. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.80% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1123 | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (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: 29+ years at current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.21% |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 948 | XXXXXX | XXXXXX | FL | 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 @ 7.62% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $167,458.89 or 47.74 months PITI, DU required $10,410.29 in reserves to be verified. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.57%; guidelines allow 80%. |
Complete |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
ConditionSub Category |
Condition Status |
Initial Securitization Condition |
Final Securitization Condition |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors |
Loan Status | ||||||||||||||||||||||||||||||||||||||
| 1121 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
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. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 22years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 21 years at present job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $133,856.64 / 19.87 months PITIA (REO) > min required of $13,387.65. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 453 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.0% |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1084 | XXXXXX | XXXXXX | MA | 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: Borrower has 0x30 mortgage lates
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 781 minimum requirement is 620 |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1111 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.60% is below the guideline maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%. |
Complete | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1047 | 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 | Repayment Ability |
Active | B | B | B | B | CMPSTRA1497 | File does not contain a repayment ability worksheet |
No | Repayment ability worksheet is missing from the loan file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $230,457.39 or 82.59 months PITI, DU required $16,741.44 reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.36%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.45% is below guideline maximum 45%. |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1055 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
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 3.5. Clayton to order desk review. |
5/14/2026: Received CDA supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.36%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620 |
Complete | ||||||||||||||||||||||||||||||||||||||
| 1105 | XXXXXX | XXXXXX | MI | QM: Safe Harbor |
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 69%; guidelines allow 75%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $257,463.28 or 250.82 months of PITI. Required reserves $10,798.92 per DU approval. |
Complete |
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV6_J16909 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 422 | |
| Loans with Conditions: | 266 | |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1126 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | No | ||||||||||||||||||||
| 368 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 878 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1133 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No | ||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1127 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 24 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 96 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | 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 | ||||||||||||||||||||
| 27 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | 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 | ||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 17 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 403 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 46 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Yes | ||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 86 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 1135 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 50 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 375 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 44 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | 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 | Not Applicable | ||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | 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 Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 433 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 654 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 397 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | D | B | A | A | D | B | C | B | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 387 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 859 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 541 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 867 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 868 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 650 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 428 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 657 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 647 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 864 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 618 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 855 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | No | ||||||||||||||||||||
| 914 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1070 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1071 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 860 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | No | ||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 610 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 861 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 653 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | No | ||||||||||||||||||||
| 739 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 850 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 851 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 725 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1076 | 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 Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1078 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1079 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 873 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 1080 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 913 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 875 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 920 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 723 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1128 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 174 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 488 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 167 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 960 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 916 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1096 | 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 | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 865 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 684 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 229 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 180 | 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 | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 866 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 688 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 690 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 872 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 623 | XXXXXX | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 10 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | No | ||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 1136 | 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 | No |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 335 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1130 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1129 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 282 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 366 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 303 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 450 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1140 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 359 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Yes | ||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1005 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 117 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 991 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | XXXXXX | C | C | C | A | C | C | A | A | C | C | C | A | C | C | A | A | Not Applicable | ||||||||||||||||||||
| 1004 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes | ||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable | ||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | No | ||||||||||||||||||||
| 424 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1091 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 1131 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 999 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1132 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 1001 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 624 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1146 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 834 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1120 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | 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 Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 582 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 828 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Not Applicable | ||||||||||||||||||||
| 993 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 92 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 106 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 413 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 573 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 94 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1154 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 540 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No | ||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 576 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 577 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 580 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 145 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 65 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | No | ||||||||||||||||||||
| 161 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 789 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 1147 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 601 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 640 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1086 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1027 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | No |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1032 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 140 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1009 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 961 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1002 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1014 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 785 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1098 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 169 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 171 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 426 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 266 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 159 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 746 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 197 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 437 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 603 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 716 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 717 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 550 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1057 | 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 | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1026 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | B | C | B | No | ||||||||||||||||||||
| 588 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 280 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 819 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 203 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | 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 Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1025 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 447 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1028 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1067 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 295 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1048 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 837 | 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 | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 361 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 343 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 425 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 1060 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 307 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 308 | 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 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable | ||||||||||||||||||||
| 1049 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 820 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 737 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1023 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1100 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 882 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 981 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 896 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 511 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 832 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | ||||||||||||||||||||
| 1114 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 356 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1095 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1036 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1017 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 321 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 418 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 538 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 466 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 630 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 539 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | 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 Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 525 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 476 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 469 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 464 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1012 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 513 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 514 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 515 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | ||||||||||||||||||||
| 471 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 958 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 498 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 520 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 503 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 531 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 944 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 578 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 529 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 971 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 642 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 833 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | No | ||||||||||||||||||||
| 800 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 973 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 679 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 721 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 549 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 674 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 780 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 738 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 637 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 708 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 709 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | C | A | A | D | D | D | D | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 767 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 831 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 670 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 760 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Not Applicable | ||||||||||||||||||||
| 762 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | A | C | C | D | D | D | D | D | A | C | C | Not Applicable | ||||||||||||||||||||
| 672 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 770 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 718 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 692 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 693 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 902 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 662 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 658 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 722 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1003 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 907 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 793 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1046 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 758 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 812 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 849 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 697 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 759 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 908 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 748 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 735 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 704 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 807 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 706 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 753 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 809 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 901 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 707 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 974 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 773 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 776 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1042 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 777 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 779 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 880 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 782 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 783 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 952 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 876 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1092 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1045 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 953 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 803 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 892 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 840 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 889 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 842 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 843 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 891 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | 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 Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Securitization Loan Property Valuation Grade |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 967 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | ||||||||||||||||||||
| 1108 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 886 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 898 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 939 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 966 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 884 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | C | C | D | C | A | A | D | C | C | C | Not Applicable | ||||||||||||||||||||
| 957 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 885 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 959 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 888 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1065 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 969 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1107 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 962 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 943 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 933 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 1101 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1123 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 948 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1121 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1084 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1111 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1047 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 1055 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1105 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |