COLT SECURITIZATION DEPOSITOR, LLC ABS-15G
Exhibit 99.14
| Client Name: | Hudson Advisors | ||||||||||||||||||||||||||||||||||||
| Client Project Name: | COLT 2026-5 | ||||||||||||||||||||||||||||||||||||
| Start - End Dates: | 3/6/2026 - 5/5/2026 | ||||||||||||||||||||||||||||||||||||
| Deal Loan Count: | 8 | ||||||||||||||||||||||||||||||||||||
| Conditions Report 2.0 | |||||||||||||||||||||||||||||||||||||
| Loans in Report: | 8 | ||||||||||||||||||||||||||||||||||||
| Loans with Conditions: | 1 | ||||||||||||||||||||||||||||||||||||
| Loan Number | Deal ID | 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 |
| XXXX | 4350120956 | XXXX | XXXX | (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: Credit score 703 is above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$XXXX or 200 months ITIA. Required ITIA reserves are 3 x $XXXX CFCFS1736: Significant time at current residence - Clayton Comments: Over 8 years at current residence. | |||||||||||||||
| XXXX | 4350120953 | XXXX | XXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 703 is above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$XXXX or 213 months ITIA. Required ITIA reserves are 3 x $XXXX CFCFS1736: Significant time at current residence - Clayton Comments: Over 8 years at current residence. | |||||||||||||||
| XXXX | 4350120955 | XXXX | XXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$XXXX or 193 months ITIA. Required ITIA reserves are 3 x $XXXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 703 is above guideline minimum of 660 CFCFS1736: Significant time at current residence - Clayton Comments: Over 8 years at current residence | |||||||||||||||
| XXXX | 4350120954 | XXXX | XXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score 703 is above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$XXXX or 185 months ITIA. Required ITIA reserves are 3 x $XXXX | |||||||||||||||
| XXXX | 4350120957 | XXXX | XXXX | (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 0x30x270 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 742 is greater than guideline minimum 660. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30x25 positive mortgage payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 57.47% is less than guideline maximum of 70% with DSCR <1.00%. | |||||||||||||||
| XXXX | 4350120960 | XXXX | XXXX | (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: Credit score 740 is above guideline minimum of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 59.70% is below guideline of 65% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $XXXX or 15 months PITIA. Required PITIA reserves are 3 x $XXXX | |||||||||||||||
| XXXX | 4350120958 | XXXX | XXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | XXXX | Income Amount is Unsupported by Documentation in File | No | File is missing Bank statement worksheet with monthly total deposits, minus exceptions. One line for each month. | 04/16/2026 Client provided Bank Statement worksheet. | 04/16/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction - Clayton Comments: Significant housing expense reduction by 20% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$XXXX or 9.84 months ITI. Required ITIA reserves are 3 x$XXXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 is above guideline minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.80% is below guideline maximum of 45% |
| XXXX | 4350120959 | XXXX | XXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 8 Years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$XXXX or 35.82 months PITI. Required PITI reserves are 3 x $XXXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 786 is above guideline minimum 660. | |||||||||||||||