EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: |
PennyMac | |
| Client Project Name: |
PNMAC PMTLT 2026-CNF6_J17053 | |
| Conditions Report 2.0 |
||
| Loans in Report: |
295 | |
| Loans with Conditions: |
241 | |
| 69 - Total Active Conditions | ||||||
| 17 - Material Conditions | ||||||
| 6 - Credit Review Scope | ||||||
| 1 - Category: Assets | ||||||
| 1 - Category: DTI | ||||||
| 2 - Category: Insurance | ||||||
| 1 - Category: Legal Documents | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 3 - Property Valuations Review Scope | ||||||
| 3 - Category: Value | ||||||
| 8 - Compliance Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 2 - Category: Finance Charge Tolerance | ||||||
| 1 - Category: Right of Rescission | ||||||
| 3 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 52 - Non-Material Conditions | ||||||
| 2 - Credit Review Scope | ||||||
| 2 - Category: Income/Employment | ||||||
| 50 - Compliance Review Scope | ||||||
| 2 - Category: Borrower’s Interest | ||||||
| 37 - Category: RESPA | ||||||
| 6 - Category: Right of Rescission | ||||||
| 3 - Category: Texas Home Equity | ||||||
| 2 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 429 - Total Satisfied Conditions | ||||||
| 74 - Credit Review Scope | ||||||
| 14 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Application | ||||||
| 11 - Category: Assets | ||||||
| 2 - Category: Credit/Mtg History | ||||||
| 9 - Category: DTI | ||||||
| 19 - Category: Income/Employment | ||||||
| 4 - Category: Insurance | ||||||
| 5 - Category: Legal Documents | ||||||
| 1 - Category: Potential Misrepresentation | ||||||
| 2 - Category: Terms/Guidelines | ||||||
| 5 - Category: Title | ||||||
| 272 - Property Valuations Review Scope | ||||||
| 263 - Category: Appraisal | ||||||
| 3 - Category: FEMA | ||||||
| 6 - Category: Value | ||||||
| 83 - Compliance Review Scope | ||||||
| 19 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Compliance Manual | ||||||
| 2 - Category: Finance Charge Tolerance | ||||||
| 2 - Category: Right of Rescission | ||||||
| 3 - Category: Texas Home Equity | ||||||
| 56 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 2 - Total Waived Conditions | ||||||
| 2 - Property Valuations Review Scope | ||||||
| 2 - 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-CNF6_J17053 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 295 | |
| Loans with Conditions: | 241 | |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 Credit score exceeds guidelines 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 8 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence over 12 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | GA | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA (or CU) score is >2.5. Clayton to order desk review. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $35,087.26, reserves not required per LP findings.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 726 exceeds guideline minimum credit score of 620.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 shows additional overtime income of $122.48 per month that was not used in qualifying. | |||||||||||||||||||||||||||||||||||||
| 4 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 218 months.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 513 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 718 is 98 points above minimum program requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA score is N.A. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 -Credit score exceeds guidelines—620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job—12 years
CFCFS2860: Good credit history - Clayton Comments: Good credit history | |||||||||||||||||||||||||||||||||||||
| 6 | XXXXXX | XXXXXX | ID | 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 | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $1,513,963.65 is $1,510,883.65 greater than the $3,080.00 reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 787 is 167 points above the 620 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 27.78% is 67.22% below the 95% LTV allowed. | |||||||||||||||||||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their current residence for over 13 years
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for over 12 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower middle fico score of 783 exceeds minimum guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 10 | XXXXXX | XXXXXX | MA | 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 | XXX | 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 | Provide evidence of change of circumstance letter or a copy of a refundable check for the increase in the amount of $1625.49 for discount points zero percent tolerance fees. |
05.27.2026—COC provided. |
05.27.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37.0 % is below guideline maximum 45%.
CFCFS2860: Good credit history - Clayton Comments: 754 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | HI | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | 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 increased by $5625.00 for decreased lender credit from CD dated XXX to CD dated XXX without a Change of Circumstance. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
05.27.2026 -COC provided. |
05.27.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job , over 30 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: 57% LTV is below guideline requirements LTV/CLTV max 85%
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 10 years | |||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | HI | 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 | XXX | Missing updated valuation |
No | LCA returned no score. Clayton to order desk review. |
6/2/2026: Received CDA supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job , over 30 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: 57% LTV is below guideline requirements LTV/CLTV max 85%
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 10 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | HI | 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 |
FEMA | Satisfied | C | A | C | A | XXX | Natural Disaster Area, no subsequent inspection (Individual & Public) |
No | Declaration #XXX XXX XXX. Appraisal was completed XXX. Provide PDI report verifying no damage. |
6/2/2026: Received PDI dated 5/28/2026, no damage. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job , over 30 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: 57% LTV is below guideline requirements LTV/CLTV max 85%
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 10 years | |||||||||||||||||||||||||||||||||||||
| 15 | 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 | XXX | Missing updated valuation |
No | CDA to be ordered by Clayton. UCDP FNMA 2.6. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers are not heavy credit users.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required per AUS.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying fico 734. Minimum fico 620. | |||||||||||||||||||||||||||||||||||||
| 19 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 25 years.
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 20 | 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: 810 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.15%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 22 | 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 | Insurance | Satisfied | C | A | C | A | XXX | Insufficient Hazard Insurance Coverage |
No | Homeowners insurance policy coverage is not sufficient—Coverage amount of $XXX versus RCE of $XXX and this includes overhead and profit. |
5/27/2026: Received verification of 50% extended replacement cost endorsement. |
5/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is 187 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $43,803.30/9.74 PITIA which is > guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.88% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | XXX | Title incomplete |
No | The prelim title report in file doesn’t reflect the proposed insured and coverage amount. |
6/8/2026: Received Final Title showing $504K insured coverage. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.95% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 160 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 9.42%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 24 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
FEMA | Satisfied | C | A | C | A | XXX | Natural Disaster Area, no subsequent inspection (Individual & Public) |
No | No inspection for FEMA disaster #XXX declared XXX. Appraisal completed XXX. Provide PDI report verifying no damage. |
5/26/2026: Received PDI—no damage. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in same profession for 23 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.0%. | |||||||||||||||||||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $547,853.63 or 128.32 months of PITIA reserves > required $0.00
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.73% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 27 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 20.74% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 768 median FICO. Min required 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | 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 | A Zero tolerance fee for State Tax Stamps increased $637.50 from CD dated XXX to XXX without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
05.27.2026—COC provided |
05.27.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.30% is below guideline maximum 50%
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @.17%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.00%; guidelines allow 80.00%. | |||||||||||||||||||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | RI | 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 | XXX | 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 | A Ten percent tolerance fee for Recording fees increased $72.45 from CD dated XXX to XXX without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
5.27.2026—Cure provided with PCCD LOX, proof of delivery and principal curtailment. |
5.27.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.30% is below guideline maximum 50%
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @.17%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.00%; guidelines allow 80.00%. | |||||||||||||||||||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | IN | 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 749 is 129 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.00%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.32% is below the guideline maximum of 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 32 | 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: Borrower has 7 years 3 months at current job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 710 is 90 points above the 620 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 39.84% is 5.16% below the 45% allowed. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | MI | 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 | XXX | Title incomplete |
No | Provide updated Title or Title supp to show at least $XXX cover to meet loan amount. Copies in the file have $XXX coverage. |
5/27/2026: Received updated Title with $XXX coverage. |
5/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 277 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 715 is 95 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $49,814.96/21.29 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 4.28%. | |||||||||||||||||||||||||||||||||||||
| 43 | 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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years 3 months at current job.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 105 months PITIA vs 0 months reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 741 is 121 points above the 620 required. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 44 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26% is below guideline maximum 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $28,711.88 month > reserve requirement $0. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 46 | XXXXXX | XXXXXX | OR | 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 | XXX | 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 | The recording fee a ten percent tolerance fee increased prior to closing from Loan Estimate dated XXX $352.00 to Closing Disclosure dated XXX $425.00 by $37.80 provide a Change of Circumstance, or a refund required within 60 days of consummation. |
05.27.2026—PCCD, refund check and Final ALTA received. |
05.27.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 735.. Requirement 620.
CFCFS2860: Good credit history - Clayton Comments: No derogatory items listed on credit. | |||||||||||||||||||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Active | B | B | B | B | XXX | TRID Not all required seller- paid fees were disclosed on the CD |
No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrower resided at their current residence for seven years prior to this sale
CFCFS2854: Significant time in profession - Clayton Comments: The co-borrower has been in the same profession for 20 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower’s minimum fico score of 770 exceeds the minimum guideline requirement | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrower resided at their current residence for seven years prior to this sale
CFCFS2854: Significant time in profession - Clayton Comments: The co-borrower has been in the same profession for 20 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower’s minimum fico score of 770 exceeds the minimum guideline requirement | |||||||||||||||||||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrower resided at their current residence for seven years prior to this sale
CFCFS2854: Significant time in profession - Clayton Comments: The co-borrower has been in the same profession for 20 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower’s minimum fico score of 770 exceeds the minimum guideline requirement | |||||||||||||||||||||||||||||||||||||
| 48 | 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 | XXX | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job—20 years +
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 Credit score exceeds guidelines 680
CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have Significant time in profession | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 49 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has over six months reserves
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower’s min. fico score of 725 exceeds guidelines requirements | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 52 | 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: LTV is 70%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.94% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 54 | XXXXXX | XXXXXX | CO | 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 | XXX | TRID—Seller CD not in file; need in order to complete fee entry |
No | Provide Seller CD in order to complete fee entry. |
06.09.2026 -Seller CD provided |
06.09.2026- Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.99%; guidelines allow 97%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.20% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $26,387.74/6.93 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 2.32%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789 is 169 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 54 | XXXXXX | XXXXXX | CO | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.99%; guidelines allow 97%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.20% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $26,387.74/6.93 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 2.32%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789 is 169 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 54 | XXXXXX | XXXXXX | CO | 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 | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.99%; guidelines allow 97%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.20% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $26,387.74/6.93 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 2.32%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789 is 169 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 57 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing documentation in file to support the B1 other monthly income of $1,821.15 to complete the ATR?QM review. |
6/3/2026: Received lender income calcs showing $7,891.27/month for B1 and “Other” Income could not be verified. However, the $1,891. Other Income is on the Final 1003 and included on AUS, yielding 47.48% DTI. The annual salary is $73,086 = $6,090.50/month. The DTI is now 57.22%.6/8/2026: Lender LOX—the additional income is XXX noted on paystub. After further review, Clayton verified it is a 25% additional mandatory increase for XXX. DTI is now 47.39%. |
6/3/2026: Exception remains.6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 792 is 172 points above the 620 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.06% is 19.94% below the 95% LTV allowed. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 57 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | XXX | 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 Appraisal fee increased at closing from CD XXX to CD XXX by $25.00 without a valid reason or timely disclosed; refund required within 60 days of consummation. |
05.27.2026—Cure provided |
05.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 792 is 172 points above the 620 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.06% is 19.94% below the 95% LTV allowed. | |||||||||||||||||||||||||||||||||||||
| 57 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | DTI | Satisfied | C | A | C | A | XXX | Debt Ratio > 50% |
No | 6/3/2026: Exception added after review of trailing docs: Lender provided Income calcs showing $7,891.27/month for B1 and “Other” Income could not be verified. However, the $1,891. Other Income is on the Final 1003 and included on AUS, yielding 47.48% DTI. The annual salary is $73,086 = $6,090.50/month. The DTI is now 57.22%. |
6/8/2026: Lender LOX—the additional income is XXX noted on paystub. After further review, Clayton verified it is a 25% additional mandatory increase for XXX. DTI is now 47.39%. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 792 is 172 points above the 620 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.06% is 19.94% below the 95% LTV allowed. | |||||||||||||||||||||||||||||||||||||
| 57 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Income/ Employment |
Satisfied | C | A | C | A | XXX | Income Amount is Unsupported by Documentation in File |
No | Missing documentation in file to support the B1 other monthly income of $1,821.15. |
6/3/2026: Received lender income calcs showing $7,891.27/month for B1 and “Other” Income could not be verified. However, the $1,891. Other Income is on the Final 1003 and included on AUS, yielding 47.48% DTI. The annual salary is $73,086 = $6,090.50/month. The DTI is now 57.22%.6/8/2026: Lender LOX—the additional income is XXX noted on paystub. After further review, Clayton verified it is a 25% additional mandatory increase for XXX. DTI is now 47.39%. |
6/3/2026: Exception remains.6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 792 is 172 points above the 620 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.06% is 19.94% below the 95% LTV allowed. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 61 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.62%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 805 is 185 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $489,922.25/82.40 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 222 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 9.49%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 66 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .43%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 66 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .43%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.75% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.07% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | A | D | C | D | C | D | A | D | A | D | C | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | 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 paystub for borrower 1 from XXX XXX XXX XXX XXX. |
6/4/2026: Received 2/2026,1/2026 paystubs. No change to income total. |
6/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 21 months rent payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | A | D | C | D | C | D | A | D | A | D | C | Compliance | Right of Rescission |
Active | C | C | C | C | XXX | ROR—Disbursement date is before end of statutory rescission period |
Yes | Final CD XXX- disbursement date on XXX , ROR form in file signed on XXX with end of recession on XXX , condition pending receiving Post CD with updated disbursement date, LOX and proof of delivery to borrower |
06.09.2026 - Final ALTA provided with DD of XXX received please provide corrected PCCD with corrected Disbursement date as well. |
06.09.2026 -Exception remains |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 21 months rent payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | A | D | C | D | C | D | A | D | A | D | C | Credit | Income/ Employment |
Satisfied | D | A | D | A | XXX | Income verification does not meet guidelines |
No | Missing paystub for borrower 1 from XXX XXX XXX. |
6/4/2026: Received 2/2026,1/2026 paystubs. No change to income total. |
6/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 21 months rent payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | A | D | C | D | C | D | A | D | A | D | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 21 months rent payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 70 | 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: Borrower has been at current job for over 14 years
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 10 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $86,917.51—38.5 months of P&I $2246.45. Required. $13,478.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1228,822.90 / 52.54 months PITIA > min required of 0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 72 | 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 | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1228,822.90 / 52.54 months PITIA > min required of 0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 exceeds minimum guideline requirements
CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan to value of 78.955 is less than guideline maximum requirement | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 exceeds minimum guideline requirements
CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan to value of 78.955 is less than guideline maximum requirement | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | PA | 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 | XXX | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .81%. | |||||||||||||||||||||||||||||||||||||
| 83 | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job -12 years +
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have only 8% credit usage.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 38% LTV below guideline requirements 80%LTV | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #180 months, Credit ratio 10%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $11,488.61. DU is not requiring validation of assets. Documents in file. Required Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 776 / 768 exceeds minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 86 | 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 | Legal Documents |
Satisfied | D | A | D | A | XXX | Missing legal docs for senior or subordinate loan |
No | Missing documentation to evidence the junior lien is paid down or off prior to closing per LP. HELOC payment was omitted from the DTI and is being subordinated. |
6/9/2026: Received updated 1008, 1003 and LP #11 showing XXX XXX HELOC is being subordinated. Subordination Agreement is in original PDF page 920. |
6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 92.55 months PITIA vs 0 months reserves required.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of 12.45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 786 is 166 points above the 620 required. | |||||||||||||||||||||||||||||||||||||
| 89 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | XXX | Missing AUS or AUS errors present |
No | Lender verified 32.20% DTI. Clayton verified 37.75% exceeding 3% tolerance due to 2nd lien showing $621 payment not included in PITI. Provide updated AUS remaining Accept/ Eligible with higher DTI within tolerance. |
6/15/2026: Received updated AUS with 38% DTI. |
6/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.64%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 89 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.64%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | 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 | Not eligible for rep and warrant reflief for b1. Unable to locate ytd paystub or wvoe to substantiate income used to qualify. |
6/3/2026: Received 2025/2024 W2s for both borrowers. Still need YTD paystub or WVOE for B1.6/7/2026: Received 2025 and YTD paystub for B1. Verified $8,823.32/month base income. |
6/3/2026: Exception remains.6/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Both borrowers have good credit history no derogatory items noted on credit report.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves not required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 759. Minimum requirement 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower’s credit report reflects only a few items with monthly payments. | |||||||||||||||||||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA—Cannot determine if List of Homeowners Counseling Organizations is compliant |
No | The Homeowners Counseling Disc was delivered and reviewed by the borrowers on XXX, however, I could not find the document in the file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Both borrowers have good credit history no derogatory items noted on credit report.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves not required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 759. Minimum requirement 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower’s credit report reflects only a few items with monthly payments. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Credit | Income/ Employment |
Satisfied | D | A | D | A | XXX | Missing Required Income Documentation |
No | Not eligible for rep and warrant reflief for b1. Unable to locate ytd paystub or wvoe to substantiate income used to qualify. |
6/3/2026: Received 2025/2024 W2s for both borrowers. Still need YTD paystub or WVOE for B1.6/7/2026: Received 2025 and YTD paystub for B1. Verified $8,823.32/month base income. |
6/3/2026: Exception remains.6/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Both borrowers have good credit history no derogatory items noted on credit report.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves not required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 759. Minimum requirement 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower’s credit report reflects only a few items with monthly payments. | |||||||||||||||||||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA/CU score >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Both borrowers have good credit history no derogatory items noted on credit report.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves not required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 759. Minimum requirement 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower’s credit report reflects only a few items with monthly payments. | |||||||||||||||||||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | XXX | ROR—Expiration date on form prior to end of rescission period |
No | ROR in file is signed on XXX with an expiration date of XXX . Final CD in file reflects a disbursement date of XXX. Expiration date on form prior to end of rescission period |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.43% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | CO | 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 | XXX | Missing updated valuation |
No | CU Score 3.6. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.43% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 93 | 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: Verified 765 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.45% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 | 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: Borrowers DTI 22.10% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $42,090.22 month > reserve requirement $0. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 104 | 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 | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Credit report does not reflect any derogatory items, late payments etc within the last 2 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower’s credit reflects conservative use of credit.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job greater than 10 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 25 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 754 Fico score. Min required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 41% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 78.82% LTV/CLTV. LTV/CLTV required 95%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 29+ years at same employer. | |||||||||||||||||||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 25 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 754 Fico score. Min required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 41% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 78.82% LTV/CLTV. LTV/CLTV required 95%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 29+ years at same employer. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
FEMA | Satisfied | C | A | C | A | XXX | Natural Disaster Area, no subsequent inspection (Individual & Public) |
No | FEMA Declaration #XXX date XXX, XXX, and AUS approval XXX. Clayton to order PDI report. |
5/29/2026: Received BPO with subject photos. No damage. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 25 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 754 Fico score. Min required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 41% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 78.82% LTV/CLTV. LTV/CLTV required 95%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 29+ years at same employer. | |||||||||||||||||||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | NH | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .81%. | |||||||||||||||||||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | NH | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .81%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | IN | 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 | Finance Charge Tolerance |
Satisfied | B | B | B | B | XXX | Finance charge understated by more than $100 (Pmt Stream) |
No | Finance charge understated by $1772.36 Unable to identify the cause. Corrected on PCCD Exception SATISFIED |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 6 years with current employer.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | IN | 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 | Finance Charge Tolerance |
Satisfied | B | B | B | B | XXX | TILA/ TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
No | Amount Financed understated by $1767.36. Unable to identify the cause. Corrected on PCCD , Exception Satisfied |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 6 years with current employer.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | XXX | TRID—CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount |
No | Total Payment Amount understated by $1772.36. Unable to identify the cause. Corrected on PCCD Exception satisfied |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 6 years with current employer.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | IN | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 6 years with current employer.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | IN | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 778 exceeds guideline minimum credit score of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 6 years with current employer.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.99 is below guideline max DTI of 45.0. | |||||||||||||||||||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—At least one LE was delivered on or after the date that a CD was delivered |
No | There are LEs dated XXX, XXX, XXX and XXX. The Initial CD is dated XXX before the LEs. |
06.10.2026—Evidence CD was only issued by title as a draft not to borrower provided. |
06.10.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in same profession for 18 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | XXX | Income verification does not meet guidelines |
No | Provide either 12 month W2 or Written VOE (1005) for B1 |
6/4/2026: Received 2025 W2. |
6/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in same profession for 18 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan approved with PIW, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in same profession for 18 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved with PIW, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in same profession for 18 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 113 | 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 | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | File is missing evidence of insurance for property located at XXX XXX XXX XXX XXX, CO. (Final 1003 includes $1,055.12 in monthly expenses that are not documented). (Clayton verified no HOA and taxes of $434.54/mo). |
6/23/2026: Received mtg stmnt, HOI and taxes for REO. Mtg $4,647.34 P&I, $592.42/mo HOI. |
6/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.82% DTI < program maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 800 fico score > program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 113 | 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 | DTI | Satisfied | D | A | D | A | XXX | Missing verification of some or all components of non- subject PITI |
No | File is missing evidence of insurance for property located at XXX XXX XXX, XXX XXX, CO. (Final 1003 includes $1,055.12 in monthly expenses that are not documented). (Clayton verified no HOA and taxes of $434.54/mo). |
6/23/2026: Received mtg stmnt, HOI and taxes for REO. Mtg $4,647.34 P&I, $592.42/mo HOI. |
6/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.82% DTI < program maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 800 fico score > program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Provide business tax returns for B2. If verified owned >5 years, most recent year required only, all pages and schedules. |
6/8/2026: Received 2024 1120-S, in XXX 5 years. Verified $5,525.25/month net. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction—paid off debt, 1st and 2nd
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 15 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job—over 15 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | XXX | 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 | The Zero tolerance fee labeled Title Service fee increased $39.77 from the Closing Disclosure dated XXX to the Closing Disclosure dated XXX prior to closing without a valid reason; insufficient credit or refund provided. |
06.24.2026 - Cure provided |
06.24.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction—paid off debt, 1st and 2nd
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 15 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job—over 15 years | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/ Employment |
Satisfied | C | A | C | A | XXX | Verbal verification of employment missing |
No | Missing verification of XXX XXX business for co- borrower within 30 days of closing. |
6/8/2026: received VVOE—no date and expires XXX. Loan closed XXX6/9/2026: Received updated XXX verification with expiration 2/28/2027. |
6/8/2026: Exception remains.6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction—paid off debt, 1st and 2nd
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 15 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job—over 15 years | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/ Employment |
Satisfied | D | A | D | A | XXX | Missing Required Income Documentation |
No | Provide business tax returns for B2. If verified owned >5 years, most recent year required only, all pages and schedules. |
6/8/2026: Received 2024 1120-S, in business 5 years. Verified $5,525.25/month net. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction—paid off debt, 1st and 2nd
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 15 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job—over 15 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments | Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 115 | 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 | XXX | 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 | 6/3/2026: Received 2023 K1, showing <25% XXX. The Income calcs worksheet shows income for 2024. Provide the 2024 K1. 2023 K1 $959,674 Box 1 + $64,933 Box 4a /12 = $85,383.92/month.There are checks to borrower from business in 2025: $80,012.87 12/31/2025, $500K 12/8/2025 = $580,012.87 /12 = $48,334.41/month net. Lender to verify income is steady and increasing as docs provided show a decline. |
6/7/2026: Received 2024 K1. YTD income for 2025 is lower. Clayton used lower yield. DTI is now 31.21%. |
6/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $629,324.15 available in reserves. Reserves not required by DU.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX-XXX with current XXX since 10/1/2002.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a qualifying credit score of 791.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower has a low DTI ratio of 16.82%. | |||||||||||||||||||||||||||||||||||||
| 115 | 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 | Income/ Employment |
Satisfied | D | A | D | A | XXX | Income verification does not meet guidelines |
No | File is missing prior 2 years most recent signed personal tax returns with all schedules and attachments and prior 2 years K1 statement supporting income that was used to qualify. |
6/3/2026: Received 2023 K1, showing <25% XXX. The Income calcs worksheet shows income for 2024. Provide the 2024 K1. 2023 K1 $959,674 Box 1 + $64,933 Box 4a /12 = $85,383.92/month.There are checks to borrower from business in 2025: $80,012.87 12/31/2025, $500K 12/8/2025 = $580,012.87 /12 = $48,334.41/month net. Lender to verify income is steady and increasing as docs provided show a decline.6/7/2026: Received 2024 K1. YTD income for 2025 is lower. Clayton used lower yield. DTI is now 31.21%. |
6/3/2026: Exception remains.6/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $629,324.15 available in reserves. Reserves not required by DU.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX-XXX with current XXX since 10/1/2002.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a qualifying credit score of 791.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower has a low DTI ratio of 16.82%. | |||||||||||||||||||||||||||||||||||||
| 115 | 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 | Legal Documents |
Satisfied | D | A | D | A | XXX | Missing subordination agreement for existing junior lien |
No | File is missing a copy of the subordination agreement for the existing 2nd mortgage. |
6/18/2026: Received Title Co notification that approval has been given by TX office to renew and extend “around” the 2nd mortgage. No subordination agreement is required or needed. XXX remains in first lien position. |
6/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $629,324.15 available in reserves. Reserves not required by DU.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX-XXX with current XXX since 10/1/2002.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a qualifying credit score of 791.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower has a low DTI ratio of 16.82%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 115 | 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 | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $629,324.15 available in reserves. Reserves not required by DU.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX-XXX with current XXX since 10/1/2002.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a qualifying credit score of 791.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower has a low DTI ratio of 16.82%. | |||||||||||||||||||||||||||||||||||||
| 122 | 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 777 is 157 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.76% is below the guideline maximum of 50%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 185 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.24%; guidelines allow 80%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Provide documentation for monthly payment of $2,034/month for Small Business Loan |
6/2/2026: Received CD showing $2,034 payment. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 171 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $110,321.05/ 15.26 months PITIA > min required of $43,382.46.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.25% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.86%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Active | B | B | B | B | XXX | TRID—At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. |
No | Missing initial CD XXX issued and acknowledged by non- borrowing titleholder. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 171 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $110,321.05/ 15.26 months PITIA > min required of $43,382.46.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.25% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.86%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Credit | Terms/ Guidelines |
Satisfied | C | A | C | A | XXX | Loan documents do not meet guideline requirements |
No | Provide documentation for monthly payment of $2,034/month for Small Business Loan |
6/2/2026: Received CD showing $2,034 payment. |
6/2/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 171 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $110,321.05/ 15.26 months PITIA > min required of $43,382.46.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.25% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.86%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review supporting appraisal value |
6/2/2026: Received CDA supporting value. |
6/2/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 171 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $110,321.05/ 15.26 months PITIA > min required of $43,382.46.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.25% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.86%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | DE | 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 | Insurance | Active | D | D | D | D | XXX | Hazard Insurance documentation in file is incomplete |
Yes | Provide an updated homeowners insurance policy reflecting the lender’s mortgage clause. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 738 is 118 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 422 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.56% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | 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 $5664.72 due to discount POINTS; increasing from initial LE to final CD. Please provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower, proof of delivery within 60 days of consummation. |
05.29.2026 -COC provided |
05.29.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.29%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.72%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.29%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.72%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.29%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.72%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Property Valuations |
FEMA | Waived | B | B | B | B | XXX | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration date XXX and AUS approval XXX. PDI to be ordered by Clayton |
5/18/2026: Client acknowledges Level 2 FEMA exception, Public only. |
5/18/2026: Exception waived non- material. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.29%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.72%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (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 | XXX | 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 | We are missing the most recent tax bill or statement to verify the total PITIA payment for the Non- subject property located at XXX XXX XXX XXX. XXX , CA XXX. |
6/8/2026: Received Tax info. File has P&I and HOI. Clayton verified no HOA on redfin.com. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $248,909.70 / 41.55 months PITI > min required of $0.00.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 75 months of current mortgage payment history 0x30.
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Total monthly PITI on the subject property decreased from $6621 to $5990.43 an approximate monthly savings of $630.57 or $7,566.84/annually | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—CD: Loan consummated before end of waiting period |
No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. |
06.09.2026—disclosure tracking provided |
06.09.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $248,909.70 / 41.55 months PITI > min required of $0.00. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 75 months of current mortgage payment history 0x30. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Total monthly PITI on the subject property decreased from $6621 to $5990.43 an approximate monthly savings of $630.57 or $7,566.84/annually | |||||||||||||||||||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (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 | XXX | Missing verification of some or all components of non-subject PITI |
No | We are missing the most recent tax bill or statement to verify the total PITIA payment for the Non- subject property located at XXX XXX XXX XXX XXX CA XXX. |
6/8/2026: Received Tax info. File has P&I and HOI. Clayton verified no HOA on redfin.com. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $248,909.70 / 41.55 months PITI > min required of $0.00.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 75 months of current mortgage payment history 0x30.
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Total monthly PITI on the subject property decreased from $6621 to $5990.43 an approximate monthly savings of $630.57 or $7,566.84/annually | |||||||||||||||||||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | KS | 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 | XXX | 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 in the amount of $100.00 due to Appraisal Fee increase on LE XXX without a valid COC in file. Condition pending receipt of a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. |
6/3/26—Lender provided COC showing increase in Appraisal fee. |
6/3/26—Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 16.63% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.42%; guidelines allow 80%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 21+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | KS | 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 | XXX | Completed “Subject To” w/o Completion Cert in File |
No | We are missing the required mold inspection for the subject property. The appraisal value is subject to satisfactory mold inspection. |
5/26/2026: Received Mold Inspection—no damage. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 16.63% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.42%; guidelines allow 80%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 21+ years at present job | |||||||||||||||||||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | KS | 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 | XXX | Missing updated valuation |
No | LCA score is unavailable or >2.5. Clayton to order desk review. |
6/2/2026: Received CDA supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 16.63% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.42%; guidelines allow 80%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 21+ years at present job | |||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score is >2.5, Clayton to order desk review |
6/3/2026: Received CDA. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at primary (subject) residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | XXX | Property Value Not Supported |
No | 6/3/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order Field Review. |
6/11/2026: Received Field review supporting value. |
6/11/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at primary (subject) residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Compliance | Texas Home Equity |
Satisfied | D | B | D | B | XXX | TX Equity—Missing Affidavit of Fair Market Value |
No | Missing affidavit of fair market value when loan is a Texas Equity refi. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 14.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.89% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.57%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 103 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (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 | XXX | 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 | Need evidence of change of circumstances letter for Ten Percent tolerance, Title- Lender’s Insurance Fee, Title Endorsement Fee, Tax Cert, Recording fee, Title Deed Prep Fee increase, or a copy of a refund check in the amount of $3,214.90. |
06.09.2026—Client disagrees with findings however Clayton findings still stand. Missing CIC for fees added on Final CD without a CIC. LE only disclosed Closing, Doc prep and Title search fee. No COC provided for Lender title insurance, tax cert fees, endorsement fees and increase in Mortgage recording fees. |
06.09.2026 -Exception remains |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 14.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.89% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.57%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 103 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 135 | 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 | Credit | Income/ Employment |
Satisfied | A | A | A | A | XXX | Income Documentation Missing |
No | Provide 2025 W2. |
6/4/2026: Received 2025 W2, updated income to lower yield of $15,667.06/mo. DTI is within tolerance. |
6/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.68%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.72% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 739. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 137 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 27+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 39.37%. | |||||||||||||||||||||||||||||||||||||
| 137 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW Approved. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 27+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 39.37%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 138 | XXXXXX | XXXXXX | WV | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO |
6/8/2026: Received Report 2055 Exterior- only supporting value. |
6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.71% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 741 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ years at present job | |||||||||||||||||||||||||||||||||||||
| 138 | XXXXXX | XXXXXX | WV | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/8/2026: Received Report 2055 Exterior- only supporting value. |
6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.71% is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 741 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ years at present job | |||||||||||||||||||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Credit | Legal Documents |
Active | D | D | D | D | XXX | Missing Rider |
Yes | Per Title and verified on Realtor.com, subject is in XXX XXX XXX with $300 annual dues. Provide PUD Rider with corrected Mortgage as PUD Rider box is not checked. Must also verify new Mortgage has been sent for re- recordation. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #260 months, Credit ratio 15%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 776 / 805 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #260 months, Credit ratio 15%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 776 / 805 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years | |||||||||||||||||||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #260 months, Credit ratio 15%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 776 / 805 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years | |||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves in the amt. of $3,821.46. Reserves required are $0.00
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job- 19 years + | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | VA | 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 | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Clayton ATR/ QM status pending for: missing income documentation to support all income used to qualify. |
6/3/2026: 2024 1120-S XXX LLC 12/9/2015. Each borrower is 50% XXX.$168,418 net + $120K W2 total /12 = $24,034.83/month net X 50% = $12,017.41/mo B1, $12,017.42/mo B2. Leaving at lender lower verified yield. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 25%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.50%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | VA | 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 | D | A | D | A | XXX | Missing Required Income Documentation |
No | Borrowers are XXX XXX with the same XXX , missing 1 year business tax returns for XXX and XXX. |
6/3/2026: 2024 1120-S XXX LLC 12/9/2015. Each borrower is 50% XXX$168,418 net + $120K W2 total /12 = $24,034.83/month net X 50% = $12,017.41/mo B1, $12,017.42/mo B2. Leaving at lender lower verified yield. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 25%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.50%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | VA | 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 | XXX | Missing updated valuation |
No | LCA score >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 25%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.50%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 147 | XXXXXX | XXXXXX | TN | QM: |
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 | XXX | Missing updated valuation |
No | LCA score 4 is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no mortgage late pays in the last 2 years.
CFCFS1739: Positive mortgage payment history - Clayton Comments: No late mortgage payments in last 49 months. | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | B | C | A | D | B | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXX | Insufficient Hazard Insurance Coverage |
No | Homeowners insurance policy total dwelling coverage of $XXX is insufficient. Min. required coverage is $XXX. Policy does not reflect extended dwelling. |
5/26/2026: Received verification of replacement cost coverage. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 125 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 8.33%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $35,873.26/7.47 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.01%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | B | C | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | 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 |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 125 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 8.33%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $35,873.26/7.47 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.01%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | B | C | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved. PIW. Clayton to order BPO. |
5/29/2026: Received BPO. |
5/29/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 125 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 8.33%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $35,873.26/7.47 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.01%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | B | C | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | XXX | Property Value Not Supported |
No | 5/29/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
6/3/2026: Received Report 2055 supporting value. |
6/3/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 125 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 8.33%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $35,873.26/7.47 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.01%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 745 is 125 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | A | C | C | D | C | D | A | D | A | C | C | Compliance | Federal Consumer Protection |
Active | C | C | C | C | XXX | NMLS License verification found Loan Originator Name does not match ID |
Yes | The 1003, Mortgage and Note reflect the Individual Loan originator as XXX XXX NMLSR ID XXX however, per the NMLS Consumer access website NMLSR ID XXX is in the name of XXX XXX XXX. Both are under XXX XXX.*NMLS site shows #XXX NMLS ID for XXX XXX. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18+ years at present job
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has fully documented commissions income not being used to qualify.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 328 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | A | C | C | D | C | D | A | D | A | C | C | Credit | Legal Documents |
Satisfied | D | A | D | A | XXX | Missing proof that HELOC has been paid and closed to future draws |
No | Missing proof XXX XXX XXX acct. #XXX has been closed. Payoff shows requirement for borrower to Acknowledge and sign for HELOC to be closed to future draws. Or provide Wire Receipt to show HELOC PIF. |
6/3/2026: Received fully executed Full Release Affidavit, recorded XXX |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18+ years at present job
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has fully documented commissions income not being used to qualify.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 328 months. | |||||||||||||||||||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | A | C | C | D | C | D | A | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18+ years at present job
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has fully documented commissions income not being used to qualify.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 328 months. | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.77% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.33%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.97%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.77% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.33%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.97%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 152 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years and 9 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @17.09%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 credit history for over 99 months, no deorgs, no public records. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 775 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 775 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 154 | XXXXXX | XXXXXX | RI | 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 | XXX | 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 in the amount of $190.00 due to 442 Re- Inspection fee was added to LE XXX without a valid COC in file. A Lender Credit for $190.00 is on Final CD XXX- 2; however, it is not disclosed as a tolerance cure. Condition pending receipt of a valid COC or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information |
05.29.2026 -Cure provided |
05.29.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.89% DTI below guideline requirement of 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.02% LTV below guideline requirements of 90% per program.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 Median FICO >155 points above guideline program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.69%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.69%. | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
FEMA | Waived | B | B | B | B | XXX | Natural Disaster Area, no subsequent inspection (Public) |
No | Declaration #XXX XXX XXX. Latest AUS run XXX. PDI to be ordered by Clayton. |
5/18/2026: Client acknowledges Level 2 exception, public only. |
5/18/2026: Exception waived non- material. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.69%. | |||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | AR | 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 | XXX | 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 evidence of Homeowners insurance and homeowners association fees (if applicable) expenses to support PITI(A) expense on XXX property. 2. Missing Written VOE’s used by DU to validated both B1 and B2 earnings as note in DU Alert 17. Neither reports were located in file. |
6/8/2026: Received HOI and verification no HOA for XXX REO.6/8/2026: Received WVOEs for both borrowers as noted in DU findings. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Assets | Satisfied | C | A | C | A | XXX | Insufficient Funds to Close |
No | Missing one month current asset statement to support sufficient funds to close of $506.17. Funds required to close $511.17 less $5.00 verified in file leaves loan short funds to close of $506.17. Any large deposits must be explained and documented. |
6/18/2026: Received assets to cover $511.17 closing costs. |
6/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | AR | 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 | XXX | Missing verification of some or all components of non- subject PITI |
No | Missing evidence of Homeowners insurance and homeowners association fees (if applicable) expenses to support PITI(A) expense on XXX property. |
6/8/2026: Received HOI and verification no HOA. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | XXX | Income verification does not meet guidelines |
No | Missing Written VOE’s used by DU to validated both B1 and B2 earnings as note in DU Alert 17. Neither reports were located in file. |
6/8/2026: Received WVOEs for both borrowers as noted in DU findings. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | AR | 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 | Potential Misrepresentation |
Satisfied | C | A | C | A | XXX | Potential misrepresentation of occupancy |
No | Missing satisfactory documentation to support subject property is owner occupied as presented. Documentation supports subject purchased XXX however multiple documents in file reflect the borrowers address as the XXX property disclosed as second home: B2 2/13/2026 pay stub, XXX XXX asset statement, Alert for B2 occupancy on XXX XXX report. B1 pay stub reflects previous address on 1003. |
6/8/2026: Received XXX showing occupancy since 3/3/2026. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | AR | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | AR | 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 | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 10/28/13.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 exceeds required FICO of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 5/6/13.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.98% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | Finance Charge Tolerance |
Active | C | C | C | C | XXX | Finance charge understated by more than $100 (Pmt Stream) |
Yes | CD dated XXX Total of Payments amount is correct $XXX. PCCD dated XXX Total of Payments amount has changed to XXX. Difference of $1,047.08. Unable to verify if the borrower did in fact pay the higher amount so they are due that difference |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 796 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | Finance Charge Tolerance |
Active | C | C | C | C | XXX | TILA/ TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
Yes | CD XXXX TOP was $XXX and Clayton calculation is $XXX. Difference of $1,047.08. Unable to verify if the borrower did in fact pay the higher amount so they are due that difference |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 796 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | XXX | TRID—CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount |
Yes | CD dated XXX Total of Payments amount is correct $XXX. PCCD dated XXX Total of Payments amount has changed to XXX. Difference of $XXX. Unable to verify if the borrower did in fact pay the higher amount so they are due that difference |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 796 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 173 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.48% is below guideline maximum 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.91%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $137,780.97, OR 36.05 months in PITIA reserves > required $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 173 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.48% is below guideline maximum 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.91%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $137,780.97, OR 36.05 months in PITIA reserves > required $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 174 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job 9 years +
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30% DTI below guideline requirement 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | AZ | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.36%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.22%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | AZ | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.36%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.22%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | XXX | Property Value Not Supported |
No | 6/3/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review, Exterior 2055 Report. |
6/9/2026: Received Report 2055 Ext- only supporting value. |
6/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.36%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.22%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | CA | 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 | XXX | 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 | We Are missing personal and business tax returns from the most recent 2 years to support the qualifying XXX employment income and rental income used by the lender for qualification. XXX employment businesses include XXX XXX and XXX XXX. |
6/8/2026: Received 2024/2023 business and personal returns. Verified total income $18,123.42/month. DTI is 39%, within tolerance of lender. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 84+ months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 22.22%; guidelines allow 80%.
CFCFS1736: Significant time at current residence - Clayton Comments: 42 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | CA | 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 | XXX | Missing verification of some or all components of non-subject PITI |
No | We are missing the homeowners insurance policies for the non- subject properties located at XXX XXX XXX and XXX XXX XXX |
5/26/2026: Received HOI for both REOs. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 84+ months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 22.22%; guidelines allow 80%.
CFCFS1736: Significant time at current residence - Clayton Comments: 42 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | CA | 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 | XXX | Income Amount is Unsupported by Documentation in File |
No | We Are missing personal and business tax returns from the most recent 2 years to support the qualifying XXX employment income and rental income used by the lender for qualification. XXX employment XXX include XXX XXX and XXX XXX. |
6/8/2026: Received 2024/2023 business and personal returns. Verified total income $18,123.42/month. DTI is 39%, within tolerance of lender. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 84+ months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 22.22%; guidelines allow 80%.
CFCFS1736: Significant time at current residence - Clayton Comments: 42 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | CA | 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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 84+ months mortgage payment history 0x30.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 22.22%; guidelines allow 80%.
CFCFS1736: Significant time at current residence - Clayton Comments: 42 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | Right of Rescission |
Satisfied | B | B | B | B | XXX | Cannot determine if funding date is after rescission period |
No | Missing ROR form unable to determine if funding date is after rescission period. |
06.23.2026- ROR received |
06.23.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | Right of Rescission |
Satisfied | D | A | D | A | XXX | ROR—Missing or Incomplete Right of Rescission form |
No | Missing Right of Rescission form |
06.23.2026- ROR received |
06.23.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/ CD was not timely disclosed; insufficient credit or refund provided |
No | Zero percent tolerance of $1096.38 due to Discount (917.30) point fees and Settlement fees(125.00) increased with invalid reason in file. Provide COC PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information within 60 days of consummation. |
06.10.2026—COC provided |
06.10.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | XXX | TRID: CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate |
No | Missing Escrow statement |
06.23.2026—Escrow statement received |
06.23.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $37,255.82 liquid assets, $21.85 to close, $37,233.97 reserves. Per LP, required borrower funds $429.32.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 712 exceeds guideline of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 44% is below guideline of 45% or AUS requirement
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 69.15 is below guideline requirement of 90% | |||||||||||||||||||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 712 exceeds guideline of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 44% is below guideline of 45% or AUS requirement
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified LTV 69.15 is below guideline requirement of 90% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | IN | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: B1 received $102,678.48 at closing.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have84 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 734. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | IN | 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 | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: B1 received $102,678.48 at closing.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have84 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 734. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 20.65%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $220,622.96 or 49.05 months PITI reserves, DU required $0.00 in reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 20.65%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $220,622.96 or 49.05 months PITI reserves, DU required $0.00 in reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 721 is 101 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.43%; guidelines allow 80%.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 131 months mortgage payment history 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has maintained current profession for 480 months.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 184 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | 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 | We are missing the required most recent business tax return (1120) used to calculate XXX employment income received for both borrowers from XXX XXX XXX, XXX |
5/26/2026: Received 2024 1120-S. Each borrower is 50% owner. Verified $5,562.46/mo net for each borrower. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66%; guidelines allow 80%+.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 229+ months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have84 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Texas Home Equity |
Active | B | B | B | B | XXX | Voluntary Same- Lender Debt disclosure not provided to borrower |
No | Voluntary Same- Lender Debt disclosure not provided to borrower |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66%; guidelines allow 80%+.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 229+ months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have84 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Texas Home Equity |
Satisfied | D | B | D | B | XXX | TX Equity—Missing Affidavit of Fair Market Value |
No | TX Equity—Missing Affidavit of Fair Market Value |
5/26/2026: Received fully executed FMV Affidavit. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66%; guidelines allow 80%+.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 229+ months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have84 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Income/ Employment |
Satisfied | C | A | C | A | XXX | Income Amount is Unsupported by Documentation in File |
No | We are missing the required most recent business tax return (1120) used to calculate XXX employment income received for both borrowers from XXX XXX XXX , XXX |
5/26/2026: Received 2024 1120-S. Each borrower is 50% owner. Verified $5,562.46/mo net for each borrower. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66%; guidelines allow 80%+.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 229+ months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have84 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 191 | XXXXXX | XXXXXX | AR | 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 | C | A | C | A | XXX | TRID—CD: Loan consummated before end of waiting period |
No | COC XXX final CD XXX Missing initial CD |
06.10.2026—Missing CDs received |
06.10.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 30 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.48%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $30,006.76, 8.78 PITI for subject property.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 808. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 191 | XXXXXX | XXXXXX | AR | 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 | XXX | TRID—CD: Missing Initial CD |
No | Missing Intimal CD |
06.10.2026—Missing CDs received |
06.10.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 30 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.48%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $30,006.76, 8.78 PITI for subject property.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 808. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 191 | XXXXXX | XXXXXX | AR | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to orderBPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 30 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.48%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $30,006.76, 8.78 PITI for subject property.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 808. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 191 | XXXXXX | XXXXXX | AR | 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 | XXX | Missing updated valuation |
No | Loan approved with PIW, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 30 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.48%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $30,006.76, 8.78 PITI for subject property.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 808. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 84 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 28 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 196 | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.10% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 782 FICO score. Minimum required 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower’s available credit is 96% and the co-borrower is 98%. Both borrower have low credit usage and good credit scores. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 197 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.41 is below guideline max DTI of 45.0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score of 705. Minimum required is 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years with current employer. | |||||||||||||||||||||||||||||||||||||
| 197 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.41 is below guideline max DTI of 45.0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score of 705. Minimum required is 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years with current employer. | |||||||||||||||||||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.41%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.41%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 5 years.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 65 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $47,731.61 or 17.28 months PITIA. AUS requires $0 in reserves.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 27.77% is lower than max DTI allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 799 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | XXX | Hazard Insurance documentation in file is incomplete |
No | File is missing evidence of the Ho- 6 insurance coverage for subject property evidencing monthly premium of $61.75. The doc in the file, page 285 is cut off. |
6/11/2026: Received Ho6 dec page. |
6/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .42%
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 21 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.72% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .42%
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 21 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.72% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .42%
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 21 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.72% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 10 years and 10 months.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 11 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.13%. | |||||||||||||||||||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 10 years and 10 months.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 11 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.13%. | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Application | Satisfied | D | A | D | A | XXX | Missing or incomplete documentation related to citizenship/ residency |
No | B2 I-797 shows approval Notice 9/22/2025, but does not specify an expiration date. The LOE provided by B2 indicates expired docs for OPT and STEM OPT are not in the file. Verification is required for current legal status to work and reside in US. |
5/26/2026: Received I-797A NOA showing approved until 9/12/2026. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.67% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
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 | XXX | Missing updated valuation |
No | LCA Score 4.0. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.67% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 740. Minimum requirement 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets: $70,463.50=16.11 months. Reserves not required.
CFCFS1750: High potential for increased earnings - Clayton Comments: Both borrowers employed in areas with unlimited earning possibilities. | |||||||||||||||||||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 740. Minimum requirement 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets: $70,463.50=16.11 months. Reserves not required.
CFCFS1750: High potential for increased earnings - Clayton Comments: Both borrowers employed in areas with unlimited earning possibilities. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 795 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #152 months
CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Closing LTV/CLTV/HCLTV: 60% vs. Maximum allowed 80% | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 795 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #152 months
CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Closing LTV/CLTV/HCLTV: 60% vs. Maximum allowed 80% | |||||||||||||||||||||||||||||||||||||
| 214 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.39 is below guideline max DTI of 45.0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 815 exceeds guideline minimum credit score of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $15,810.16, or 3 months PITI. Reserves not required per AUS. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 214 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.39 is below guideline max DTI of 45.0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 815 exceeds guideline minimum credit score of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $15,810.16, or 3 months PITI. Reserves not required per AUS. | |||||||||||||||||||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | XXX | Income Documentation Missing |
No | Missing evidence of established month distribution of $3559 dated within 120 days of the Note date |
6/3/2026: Received 12/2025 qtrly stmnt showing $3,559/month lifetime. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 802 / 792 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #362 months, Credit ratio 21.17%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $552,784.36 or 155.32 months of distributions Required Reserves are $0 | |||||||||||||||||||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 802 / 792 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #362 months, Credit ratio 21.17%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $552,784.36 or 155.32 months of distributions Required Reserves are $0 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 802 / 792 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #362 months, Credit ratio 21.17%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $552,784.36 or 155.32 months of distributions Required Reserves are $0 | |||||||||||||||||||||||||||||||||||||
| 218 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.99% is below the guideline maximum of 45%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 326 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 2.34%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75.80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 218 | 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 | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.99% is below the guideline maximum of 45%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 326 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 2.34%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75.80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | XXX | Insufficient Funds to Close |
No | LPA requires 1-month bank statement verifying funds no less than $4689.29. |
5/29/2026: Received bk stmnt required to meet funds to close. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.01% LTV below guideline requirements of 90% per program.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 Median FICO >125 points above guideline program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | XXX | Unverified Assets |
No | LPA requires 1-month bank statement verifying funds no less than $4689.29. |
5/29/2026: Received bk stmnt required to meet funds to close. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.01% LTV below guideline requirements of 90% per program.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 Median FICO >125 points above guideline program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.01% LTV below guideline requirements of 90% per program.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 Median FICO >125 points above guideline program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.01% LTV below guideline requirements of 90% per program.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 Median FICO >125 points above guideline program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | TX | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | 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 $2096.07 due to discount points increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
06.10.2026—COC and Missing CD provided |
06.10.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 744 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.96% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | TX | 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 | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 744 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.96% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 224 | 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: 720 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.00%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.04%; guidelines allow 80.00%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 have been on current job for 18 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 credit score exceed guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 have been on current job for 18 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 credit score exceed guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 227 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 786 exceeds minimum guideline requirements of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, the borrower has been at current employer for 9 years and 10 months.
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been at their current employer for ten years | |||||||||||||||||||||||||||||||||||||
| 227 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 786 exceeds minimum guideline requirements of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, the borrower has been at current employer for 9 years and 10 months.
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been at their current employer for ten years | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Co- Borrower has been in same profession for 15 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 214 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.62% is below guideline maximum 45%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 140 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.16%; guidelines allow 80%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Co- Borrower has been in same profession for 15 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 214 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.62% is below guideline maximum 45%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 140 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.16%; guidelines allow 80%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at present job | |||||||||||||||||||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.17% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 233 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 184 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 387 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 233 | 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 | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 184 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 387 months. | |||||||||||||||||||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Clayton ATR/ QM status pending for: missing income documentation. 2025 W-2 |
5/26/2026: Received 2025 W2. |
5/26/2026: 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: 700 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | Texas Home Equity |
Active | B | B | B | B | XXX | Voluntary Same- Lender Debt disclosure not provided to borrower |
No | Provide same lender debt disclosure. |
(No Data) | (No Data) | (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: 700 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Credit | Income/ Employment |
Satisfied | C | A | C | A | XXX | Income Amount is Unsupported by Documentation in File |
No | missing the borrowers W2 from 2025 for employment with the State of XXX—XXX of XXX & XXX XXX. |
5/26/2026: Received 2025 W2. |
5/26/2026: 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: 700 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: 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: 700 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 241 | 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 | XXX | Missing updated valuation |
No | LCA 3 score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #164 months, high credit $32,061. Paying off all current accounts at closing
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 795 / 749 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Asset validation not required per AUS. Post Close Assets are $44,674.83 Required Reserves are $0 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | 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 | The Discount points Zero tolerance fee increased Loan Discount Fee for $984.60 from LE dated XXX to CD dated XXX prior to closing without a valid reason or the revised LE/CD; insufficient credit or refund provided. |
5.27.2026—COC provided |
05.27.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.34% CLTV below guideline requirements of 90% per program.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||||||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. The house # verified is #XXX, which is directly next door to subject. Clayton verified all other photos match to subject address on XXX. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.34% CLTV below guideline requirements of 90% per program.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||||||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. The house # verified is #XXX, which is directly next door to subject. Clayton verified all other photos match to subject address on XXX. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.34% CLTV below guideline requirements of 90% per program.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/8/2026: Received BPO supporting value. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 credit score exceed guideline minimum of 660 for XXX
CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.27% DTI is below guideline requirementof 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 72% LTV below guideline requirements of 95% per program. | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/8/2026: Received BPO supporting value. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 credit score exceed guideline minimum of 660 for XXX
CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.27% DTI is below guideline requirementof 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 72% LTV below guideline requirements of 95% per program. | |||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 Credit score exceeds guidelines of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job 15 years and 4 months with a start date of 12/5/2010
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession- 15 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 Credit score exceeds guidelines of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job 15 years and 4 months with a start date of 12/5/2010
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession- 15 years | |||||||||||||||||||||||||||||||||||||
| 254 | 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 | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for over eight years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current employer over over eight years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower’s credit score of 737 exceeds minimum guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.00%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.66% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.45%; guidelines allow 95%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 32 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $12,163.29 or 2.08 months PITIA> min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | XXX | Missing disclosure |
No | Missing initial CD XXX |
06.10.2026—ICD received |
06.10.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @7.50%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95% | |||||||||||||||||||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | TX | 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 | A | A | A | A | XXX | 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 |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @7.50%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95% | |||||||||||||||||||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | TX | 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 | C | A | C | A | XXX | TRID—CD: Loan consummated before end of waiting period |
No | Closing date XXX. Initial CD not provided. Condition pending receipt initial CD w/ proof of delivery at least 3 days prior to consummation. |
06.10.2026 -ICD received |
06.10.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @7.50%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | TX | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @7.50%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95% | |||||||||||||||||||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | TX | 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 | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @7.50%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.34% is below guideline maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95% | |||||||||||||||||||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Compliance | Ability to Repay/ Qualified Mortgage |
Active | D | D | D | D | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
Yes | Provide proof of HOI for REO on XXX XXX XXX. (Clayton verified taxes and no HOA on XXX). |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.10% DTI < program maximum of 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.49% LTV < program maximum of 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 fico > program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Credit | DTI | Active | D | D | D | D | XXX | Missing verification of some or all components of non- subject PITI |
Yes | Provide proof of HOI for REO on XXX XXX XXX. (Clayton verified taxes and no HOA on XXX). |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.10% DTI < program maximum of 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.49% LTV < program maximum of 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 fico > program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | PA | 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 | XXX | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence—over 23 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 Credit score exceeds guidelines of no score required.
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction—paid off 1st and 2nd | |||||||||||||||||||||||||||||||||||||
| 271 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 26 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.57%
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 6 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 730. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 271 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 26 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.57%
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 6 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 730. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | GA | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.94%; guidelines allow 80%.
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 @ 0.65% | |||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | GA | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.94%; guidelines allow 80%.
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 @ 0.65% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | XXX | Property Value Not Supported |
No | 6/3/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Exterior-Only 2055 Report. |
6/9/2026: Received 2055 Report Ext- only supporting value. |
6/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.94%; guidelines allow 80%.
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 @ 0.65% | |||||||||||||||||||||||||||||||||||||
| 274 | XXXXXX | XXXXXX | CA | 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 | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Provide Income docs for B1—Personal and business returns for income to be calculated and verified. |
6/8/2026: Received 2024 business returns for B1, 2024 1040s for B2. Still need 2024 1040s for B1. They’re married but filed separately.6/9/2026: Received 2024 1040s for B1. |
6/8/2026: Exception remains.6/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Validated 705 FICO score. Minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 21 months mortgage payment history 0x30; 0x30x12 required. | |||||||||||||||||||||||||||||||||||||
| 274 | XXXXXX | XXXXXX | CA | 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 | Assets | Satisfied | D | A | D | A | XXX | Asset documentation is insufficient per guideline requirements |
No | File is missing the XXX statement to verify stocks in the amount of $80,273.07 as stated on the Final 1003. |
6/8/2026: Received XXX 2/27/2026 statement matching balance. |
6/8/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Validated 705 FICO score. Minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 21 months mortgage payment history 0x30; 0x30x12 required. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 274 | XXXXXX | XXXXXX | CA | 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 | D | A | D | A | XXX | Missing Required Income Documentation |
No | Provide Income docs for B1—Personal and business returns for income to be calculated and verified. |
6/8/2026: Received 2024 business returns for B1, 2024 1040s for B2. Still need 2024 1040s for B1. They’re married but filed separately.6/9/2026: Received 2024 1040s for B1. |
6/8/2026: Exception remains.6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Validated 705 FICO score. Minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 21 months mortgage payment history 0x30; 0x30x12 required. | |||||||||||||||||||||||||||||||||||||
| 274 | XXXXXX | XXXXXX | CA | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Validated 705 FICO score. Minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 21 months mortgage payment history 0x30; 0x30x12 required. | |||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.57%
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 810. Minimum score per program is 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have84 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.57%
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 810. Minimum score per program is 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have84 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 277 | 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 | Assets | Satisfied | D | A | D | A | XXX | Asset documentation is insufficient per guideline requirements |
No | Missing statement from XXX XXX account 1080 for verified reserves as required per the AUS in file. |
6/8/2026: Received T/C for withdrawal and 12/31/2025 annual stmnt. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 737. Minimum score per program is 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 71 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 277 | 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 | XXX | Missing verification of some or all components of non-subject PITI |
No | Missing verification of HOA for REO on XXX XXX , if applicable. |
6/8/2026: Received verification, no HOA. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 737. Minimum score per program is 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 71 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 277 | 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 | Income/ Employment |
Satisfied | C | A | C | A | XXX | Income Amount is Unsupported by Documentation in File |
No | Provide a written VOE or last paystub for the previous 2 years to verify the commission income to support the $1,364.00 used for qualifying. Commission income must be received for at least 12 months, preferably 24 months. |
6/8/2026: Received 2025 W2 and XXX paystub. Used 14 month average, verified $1,275/mo commission for B2. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 737. Minimum score per program is 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 71 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 282 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Income/ Employment |
Active | B | B | B | B | XXX | Verbal verification of employment completed outside the stated requirements and/or after closing/ funding |
No | Provide funding VVOE for B1 dated within ten business days of closing. The latest in the file is dated XXX and expired XXX. Loan closed XXX . |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 211 months mortgage payment history 0x30.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 282 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA score 3.5. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 211 months mortgage payment history 0x30.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 283 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved. Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 731 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.27% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 283 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 731 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.27% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA—List of homeowners counseling organizations not in file |
No | Missing the HCO in the file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 have been in the same line of work for 15 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 credit score exceed guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.96% LTV is below guideline maximum of 80% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—CD: Loan consummated before end of waiting period |
No | COC XXX final CD XXX Missing initial CD |
06.09.2026 -ICD received |
06.09.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 have been in the same line of work for 15 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 credit score exceed guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.96% LTV is below guideline maximum of 80% | |||||||||||||||||||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | XXX | TRID—CD: Missing Initial CD |
No | Missing the Initial CD in the file |
06.09.2026 -ICD received |
06.09.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 have been in the same line of work for 15 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 credit score exceed guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.96% LTV is below guideline maximum of 80% | |||||||||||||||||||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 have been in the same line of work for 15 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 credit score exceed guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.96% LTV is below guideline maximum of 80% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 have been in the same line of work for 15 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 credit score exceed guideline minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.96% LTV is below guideline maximum of 80% | |||||||||||||||||||||||||||||||||||||
| 654 | XXXXXX | XXXXXX | NV | 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 | XXX | TRID—Error discovered on Closing Disclosure |
No | Please provide verification/clarification of cancellation of fully executed Note and Mortgage and CD XXX. Two closing packages were located in the file. Review conducted on XXX transaction. Please note additional conditions may be required upon receipt and review. |
1.6.2026 -per legal exception remains. Unfortunately, we still need additional clarifaction or cancellation regarding the previous Note dated XXX due to all docs are fully executed by the borrower. |
1.6.2026—Exception remains |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years at profession.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 771 EXCEEDS MIN OF 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $913128.54 exceeds 0 reserves required. | |||||||||||||||||||||||||||||||||||||
| 290 | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliated business disclosure missing from file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.94%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $30,019.56 or 9.63 months PITI, DU required $0.00 in reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 290 | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | 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 $150.00 due to Appraisal—Final Inspection Fee increased from Initial LE XXX $0.00 to Final CD XXX $150.00. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
06.09.2026 -COC provided |
06.09.2026- Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.94%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $30,019.56 or 9.63 months PITI, DU required $0.00 in reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 290 | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/15/2026: Received Compliance Report showing Fee Testing. Still need lender QM determination.6/18/2026: Received Safe Harbor status. |
6/15/2026: Exception remains.6/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.94%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $30,019.56 or 9.63 months PITI, DU required $0.00 in reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 292 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
5/27/2026: Received Safe Harbor status. |
5/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 784 / 815 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #174 months, Credit ratio 45.08%
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #5 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 292 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | XXX | Title incomplete |
No | Missing updated Title Schedule A—Loan amount $XXX vs. $XXX coverage on report. |
5/27/2026: Received Final Title showing $XXX coverage. |
5/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 784 / 815 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #174 months, Credit ratio 45.08%
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #5 years | |||||||||||||||||||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | C | B | A | A | C | A | C | A | C | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/8/2026: Received Safe Harbor status. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.65%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.09% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 186 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 135 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | C | B | A | A | C | A | C | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved. Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.65%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.09% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 186 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 135 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 298 | 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 | XXX | Missing updated valuation |
No | LCA shows no score, Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $16,195.06 or 3.76 months PITI reserves, LP required $0.00 in reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.20% | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | 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: Verified 0x30 mortgage lates in the past 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 723 exceeds guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 41% is below guideline maximum of 45% | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | IA | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing required affiliated business disclosure in file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 187 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $75,864.29 / 19.85 months PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 25+ years at present job
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 302 | 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 | XXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.36% is below guideline maximum 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||||||||||||||||
| 305 | 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 | XXX | Missing updated valuation |
No | CU score 2.6 > 2.5 Clayton to order desk review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 734 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. 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: Median credit scores 761 / 756 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #75 months, Credit ratio 58.11%
CFCFS1750: High potential for increased earnings - Clayton Comments: Co-Borrower receives additional income for overtime, Night Shist and weekend work. Income was not used or needed for qualifying | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | IL | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. 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: Median credit scores 761 / 756 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #75 months, Credit ratio 58.11%
CFCFS1750: High potential for increased earnings - Clayton Comments: Co-Borrower receives additional income for overtime, Night Shist and weekend work. Income was not used or needed for qualifying | |||||||||||||||||||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | IL | 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 | XXX | 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. |
6/7/2026: Received 2055 Exterior only report not supporting value. Lender to order a full appraisal. |
6/7/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 761 / 756 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #75 months, Credit ratio 58.11%
CFCFS1750: High potential for increased earnings - Clayton Comments: Co-Borrower receives additional income for overtime, Night Shist and weekend work. Income was not used or needed for qualifying | |||||||||||||||||||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Texas Home Equity |
Satisfied | C | B | C | B | XXX | Texas Equity—Affidavit of Fair Market Value not signed by lender |
No | Affidavit of fair market value in file is not signed by lender. (Four copies in the file). |
6/3/2026: Received fully executed FMV Disclosure. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $166949.31 / 32.39 months PITIA > min required of 0. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | XXX | Incorrect ROR Form Used—H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Zhas language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9,but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courtsthat have opined on the issue have upheld the use of an H8 in a same- lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as alevel 2/B- Non Material exception in those Circuits that have not decided on this issue. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.60%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years 10 months | |||||||||||||||||||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
5/27/2026: Received Safe Harbor status. |
5/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.60%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years 10 months | |||||||||||||||||||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.60%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years 10 months | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.60%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years 10 months | |||||||||||||||||||||||||||||||||||||
| 316 | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: CU (2.6) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 807 / 796 exceeds minimum of 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-Borrower has availability for increased earnings
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #96 months | |||||||||||||||||||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.48% is below the guideline maximum of 50%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 380 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 176 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $155,821.77/29.28 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of 5.25%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 320 | XXXXXX | XXXXXX | AZ | 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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $2,608,899.69 or 565.30 months PITI reserves, LP required $0.00 in reserves.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.30%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 320 | XXXXXX | XXXXXX | AZ | 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 | XXX | Property Value Not Supported |
Yes | 6/3/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order Field Review. |
6/8/2026: Received Field Review, not supporting value. |
6/8/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $2,608,899.69 or 565.30 months PITI reserves, LP required $0.00 in reserves.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.30%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 321 | 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 | XXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 176 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $332,535.56/ 123.34 months PITI > min required of $0.00. | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 322 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | C | B | D | B | B | B | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | XXX | TRID—Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures |
No | Initial CD dated XXX and Final CD dated XXX are showing Escrow Waiver fee $750.00. Loan is being Escrowed |
06.23.2026—Cure provided via $750 refund, LOX and amended CD and proof of delivery. |
06.23.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 781 mid score > min required of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been at current job for 10 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since 8/2010. | |||||||||||||||||||||||||||||||||||||
| 322 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | C | B | D | B | B | B | D | A | C | B | Credit | Income/ Employment |
Active | B | B | B | B | XXX | Verbal verification of employment completed outside the stated requirements and/or after closing/funding |
No | Missing VVOE for B2 dated within 10 business days of Note date XXX. File contains WVOE dated XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 781 mid score > min required of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been at current job for 10 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since 8/2010. | |||||||||||||||||||||||||||||||||||||
| 322 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | A | C | B | D | B | B | B | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score could not be performed. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 781 mid score > min required of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been at current job for 10 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since 8/2010. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 323 | 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 | XXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 731 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.07% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Provide Affiliated Business Disclosure |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has 15 years of experience in their profession.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum FICO is 620. Approved FICO is 702.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45%. Qualifying DTI is 36%. | |||||||||||||||||||||||||||||||||||||
| 324 | 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 | Texas Home Equity |
Active | B | B | B | B | XXX | Voluntary Same- Lender Debt disclosure not provided to borrower |
No | The disclosure not provided for Voluntary same lender; please provide. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has 15 years of experience in their profession.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum FICO is 620. Approved FICO is 702.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45%. Qualifying DTI is 36%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 330 | XXXXXX | XXXXXX | TN | 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 | XXX | Missing updated valuation |
No | CU > 2.5. Clayton to order desk review |
6/3/2026: Received CDA. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 25.08 years in the same profession
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 10/2005, reporting 0x30
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x49 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 330 | XXXXXX | XXXXXX | TN | 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 | XXX | Property Value Not Supported |
Yes | 6/3/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order Field Review. |
6/22/2026: Received Field Review not supporting value. Lender to order full appraisal. |
6/22/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 25.08 years in the same profession
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 10/2005, reporting 0x30
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x49 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 335 | XXXXXX | XXXXXX | LA | 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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 154 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.30%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 323 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 341 | XXXXXX | XXXXXX | AR | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since 5/2017.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.04% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 341 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | XXX | TRID—Closing Disclosure: The Creditors Brokers or Contact persons NMLS or State ID is missing |
No | Closing disclosure XXX-1 does not have Lending info, this was corrected on final CD XXX -2, Exception Satisfied |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since 5/2017.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.04% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 343 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 136+ months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $90,605.88/ 13.66 months PITII > min required of $0.00.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 has documented overtime income not being used to qualify. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 343 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 136+ months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $90,605.88/ 13.66 months PITII > min required of $0.00.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 has documented overtime income not being used to qualify. | |||||||||||||||||||||||||||||||||||||
| 343 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 136+ months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $90,605.88/ 13.66 months PITII > min required of $0.00.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 has documented overtime income not being used to qualify. | |||||||||||||||||||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 3+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.56% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 3+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.56% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 354 | XXXXXX | XXXXXX | TN | 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 | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/11/2026: Received Compliance Testing. QM determination is not specified.6/12/2026: Received Safe Harbor status. |
6/11/2026: Exception remains.6/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $7,728.94 / 2.21 months PITIA > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in same profession for 17 years. | |||||||||||||||||||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/16/2026: Received Safe Harbor status. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $31,140.73 exceed guidelines $0.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 810. Minimum score per program is 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 12.375% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $31,140.73 exceed guidelines $0.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 810. Minimum score per program is 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 12.375% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $31,140.73 exceed guidelines $0.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 810. Minimum score per program is 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 12.375% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 359 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 709 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.97% DTI | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 360 | 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: Median credit scores 751 / 770 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #64 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $8445.50Required Reserves are $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 362 | XXXXXX | XXXXXX | VA | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
6/3/2026: Received BPO. |
6/3/2026: 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
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $13,155 Verified cash reserves exceed guidelines $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 Credit score exceeds guidelines—640 | |||||||||||||||||||||||||||||||||||||
| 362 | XXXXXX | XXXXXX | VA | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO. |
6/3/2026: 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
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $13,155 Verified cash reserves exceed guidelines $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 Credit score exceeds guidelines—640 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 362 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | XXX | Property Value Not Supported |
No | 6/3/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Exterior- only report 2055. |
6/16/2026: Received Field Review supporting value. |
6/16/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job- 11 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $13,155 Verified cash reserves exceed guidelines $0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 Credit score exceeds guidelines—640 | |||||||||||||||||||||||||||||||||||||
| 364 | 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 | XXX | 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: 742 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $21,535.52 or 6 months PITI reserves, DU required $0.00 in reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.33% | |||||||||||||||||||||||||||||||||||||
| 366 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller-paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied |
(No Data) | Exception Satisfied, seller fees have been sourced on the Seller CD. |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $130,050.60 or 21.13 months PITI.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 807 FICO score. Minimum required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 366 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/8/2026: Received Safe Harbor status. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $130,050.60 or 21.13 months PITI.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 807 FICO score. Minimum required of 620. | |||||||||||||||||||||||||||||||||||||
| 368 | XXXXXX | XXXXXX | SD | 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 | XXX | 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: Borrowers DTI 27.57% is below guideline maximum 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $49,528.74 / 18.77 months PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | XXX | Incorrect ROR Form Used—H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job- 23 years +
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Current mortgage reviewed for 30 months with 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.37% DTI below guideline requirement 45% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | AZ | 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 | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job- 23 years +
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Current mortgage reviewed for 30 months with 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.37% DTI below guideline requirement 45% | |||||||||||||||||||||||||||||||||||||
| 372 | 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 | XXX | Missing updated valuation |
No | Missing Updated Valulation: LCA score > 2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 28+ years at primary residence | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | TN | 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 | XXX | TRID—CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/ CD was not timely disclosed; insufficient credit or refund provided |
No | Zero Tolerance Fee of $135.48 due to Appraisal Fee, Credit Report Fee and Transfer Tax Aggregate increased from LE XXX to CD XXX. While there is a cure credit for $132.08, it is insufficient by $3.40 to cover the complete tolerance issue. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
6/8/26—Lender provided COC showing increase in Appraisal Fee, Credit Report Fee and Transfer Tax. |
6/8/26—Exception satisified. |
Numeric | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.48%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 114+ months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $497,841.34 / 133.22 months PITI > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 376 | 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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 3X30, 1X60, 0X90, in #132 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 723 / 766 exceeds minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #9 years | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Compliance | Borrower’s Interest |
Active | B | B | B | B | XXX | File does not contain a tangible net benefit worksheet |
No | Missing the tangible net benefit worksheet |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 8.08%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Compliance | Borrower’s Interest |
Active | B | B | B | B | XXX | MN Borrower’s Interest- Missing Borrower- Signed TNB form or statement |
No | MN Borrower’s Interest- Missing Borrower- Signed TNB form or statement |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 8.08%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA—List of homeowners counseling organizations not provided w/in 3 days of application |
No | The Loan Application is dated XXX and the HOC is dated XXX, greater than 3 days from application. |
(No Data) |
(No Data) | (No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 8.08%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | No ABA (or FACTS) was located in the file. |
(No Data) |
(No Data) | (No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 8.08%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Credit | Insurance | Satisfied | C | A | C | A | XXX | Insurance Effective date is greater than the transaction date |
No | Insurance Effective date of XXX is after the CD disbursement date of XXX . |
6/8/2026: Received HOI for XXX- XXX. |
6/8/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 8.08%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 8.08%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.31% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $48,669.71/22.74 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | VA | 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 | XXX | 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 | Provide lender QM determination. |
6/16/2026: Received Safe Harbor status. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a 19% credit utilization
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $131,437.38 / 49.31 mos reserves
CFCFS2860: Good credit history - Clayton Comments: Borrowers have had no late payments in the last 36 mos | |||||||||||||||||||||||||||||||||||||
| 383 | XXXXXX | XXXXXX | ND | 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 | XXX | Missing updated valuation |
No | CU Score 4.1 >2.5; Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 776. Minimum requirement 620.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 have additional documented income (Bonus) not used in qualifying
CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history..no derogatory items noted. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | 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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review supporting appraised value. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 431 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 124 months mortgage payment history 0x30.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at present job
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.22%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 39.14% is below guideline maximum 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 25 years. | |||||||||||||||||||||||||||||||||||||
| 387 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Please provide Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 781. Minimum score per program is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $519,735.26 post closing reserves, 257 PITIA for subject property.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.01% | |||||||||||||||||||||||||||||||||||||
| 387 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Assets | Satisfied | D | A | D | A | XXX | Asset documentation is insufficient per guideline requirements |
No | The AUS requires two months asset statements for each depository account. XXX X1XXX , XXX XXXX,XXX XXX XXXX, XXX XXX XXXX, XXX XXX |
6/11/2026: Received updated 1008, 1003 and DU removing XXX and XXX accounts. Still App/ Eligible. |
6/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 781. Minimum score per program is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $519,735.26 post closing reserves, 257 PITIA for subject property.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.01% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business disclosure, Provide Affiliated Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $181,119.83, reserves not required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 802 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA score not provided. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $181,119.83, reserves not required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 802 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | GA | 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 | XXX | 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: Borrowers DTI 31.68 is below guideline maximum 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 769 mid score > min required of 745
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 401 | XXXXXX | XXXXXX | IL | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure in file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 33% is below guideline maximum of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score of 759 exceeds guideline minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash Reserves of $172189.25 exceeds AUS requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| 401 | XXXXXX | XXXXXX | IL | 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 | XXX | Missing updated valuation |
No | LCA Score is >2.5, Clayton to order deskreview |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 33% is below guideline maximum of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score of 759 exceeds guideline minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash Reserves of $172189.25 exceeds AUS requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| 404 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller-paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | This exception is informational. Exception satisfied. Final Grade A |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $220,204.31Required Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 791 / 807 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #394 months, Credit ratio 59.20% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | 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 | Assets | Satisfied | D | A | D | A | XXX | Asset Verification In File is Incomplete Per Requirements |
No | Missing Evidence of gift transfer to agent for $150,000. Shown on settlement statement and CD in file |
5/26/2026: Received Gift wire transfer. |
5/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $220,204.31Required Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 791 / 807 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #394 months, Credit ratio 59.20% | |||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | B | B | D | C | D | C | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA—List of homeowners counseling organizations not in file |
No | Missing List of homeowners counseling organizations |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | B | B | D | C | D | C | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Required 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 @ 15.07%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | B | B | D | C | D | C | D | A | B | B | Credit | Application | Satisfied | D | A | D | A | XXX | Application is incomplete |
No | Provide LOX for reason final 1003’s reflect the following as current primary residence: XXX XXX XXX; XXX XXX To XXX XXXX. Loan closed as primary residence. |
6/11/2026: Received PDR for XXX XXX XXXV — owned by XXX XXX . Still need info for XXX XXX XXX 6/15/2026: Received XXX Mtg stmnt for XXX XXX with full PITI. |
6/11/2026: Exception remains.6/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | B | B | D | C | D | C | D | A | B | B | Credit | Insurance | Active | C | C | C | C | XXX | Insufficient Hazard Insurance Coverage |
Yes | Hazard insurance coverage amount of $XXX is less than the reconstruction cost estimate of $XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | B | B | D | C | D | C | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.07%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $52,188.52 or 14.59 months PITI reserves, LP required $0.00 reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero percent tolerance of $5 due to flood cert fees on 3/11/2026 with invalid reason in file. Provide COC PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information within 60 days of consummation. |
05.27.2026 — COC provided |
05.27.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 32.70%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #22 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 814 / 803 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Title | Satisfied | D | A | D | A | XXX | Title incomplete |
No | Please provide updated Title Commitment Schedule A reflecting increased loan amount for $XXX |
5/27/2026: Received Final title with $XXX coverage. |
5/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 32.70%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #22 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 814 / 803 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 408 | XXXXXX | XXXXXX | SD | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #14 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 817 / 809 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #6 years CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #206 months, Credit ratio 2.07% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 408 | XXXXXX | XXXXXX | SD | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: CU (3.3) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #14 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 817 / 809 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #6 years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #206 months, Credit ratio 2.07% | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.05%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.75%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.05%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.75%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.05%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.75%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | WY | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | No Affiliated Business Disclosure was located in the file. Client requires full ABA rather than FACTS. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers have been XXX -employed > #22 years
CFCFS2860: Good credit history - Clayton Comments: Median credit scores 772 / 796 exceeds minimum of 620
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 772 / 796 exceeds minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 20.62% below guideline requirements
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.48% below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | WY | 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 | XXX | Missing updated valuation |
No | LCA (Not Accessed) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers have been XXX -employed > #22 years
CFCFS2860: Good credit history - Clayton Comments: Median credit scores 772 / 796 exceeds minimum of 620
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 772 / 796 exceeds minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 20.62% below guideline requirements
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.48% below guideline requirement | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 417 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6131.07; Required Reserves are $0
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #66 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 741 is > the minimum credit score of 620. | |||||||||||||||||||||||||||||||||||||
| 417 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6131.07; Required Reserves are $0
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #66 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 741 is > the minimum credit score of 620. | |||||||||||||||||||||||||||||||||||||
| 418 | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | XXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash available after sale of XXX, and closing costs paid $62,690.96 Required Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 807 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #484 months, Credit ratio 32.96% | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | 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 | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | 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 | Provide lender QM determination. |
6/9/2026: Received Safe Harbor status. |
6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 786. Minimum score per program is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $13,114.51 post close reserves or 11.30 mos. PITI. Reserves required = $0.00 | |||||||||||||||||||||||||||||||||||||
| 419 | 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 | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 786. Minimum score per program is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $13,114.51 post close reserves or 11.30 mos. PITI. Reserves required = $0.00 | |||||||||||||||||||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Provide Affiliated Business Disclosure |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 806 is > the minimum credit score of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.
CFCFS2854: Significant time in profession - Clayton Comments: 24+ years at job 1 and 15+ years at job 2. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | XXX | Incorrect ROR Form Used—H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 806 is > the minimum credit score of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.
CFCFS2854: Significant time in profession - Clayton Comments: 24+ years at job 1 and 15+ years at job 2. | |||||||||||||||||||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Missing updated valuation: CU score is > 2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 806 is > the minimum credit score of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 95%.
CFCFS2854: Significant time in profession - Clayton Comments: 24+ years at job 1 and 15+ years at job 2. | |||||||||||||||||||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA (3.5) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 786 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #25 years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #267 months | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA score 3.0 is > 2.5. Clayton to order desk review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at present job | |||||||||||||||||||||||||||||||||||||
| 428 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA score is missing. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 206 months mortgage payment history 0x30. Guidelines require 0x30x12.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 722 FICO score. Minimum required is 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI of 38.13% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower score is 771. Minimum score per program is 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have26 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers having over 18 years in profession
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.35% is below guideline maximum 45%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been in same profession for 23 years.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have41 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.55%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score 4.3. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 798 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | XXX | Asset Verification In File is Incomplete Per Requirements |
No | Missing evidence of Gift / Wire Transfer to closing agent from parent for $154,010 |
6/8/2026: Received Wire receipt from donor to Settlement Agent 4/10/2026. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX -employed > #19 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 731 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #234 months, Credit ratio 34.94% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX -employed > #19 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 731 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #234 months, Credit ratio 34.94% | |||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX -employed > #19 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 731 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #234 months, Credit ratio 34.94% | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 6/1/2005, reporting 0x30
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 13 years in the same profession.B2 has 16 years in the same profession
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x32 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 6/1/2005, reporting 0x30
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 13 years in the same profession.B2 has 16 years in the same profession
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x32 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 441 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the required Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 767 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,091,034.60 / 140.17 months PITIA > min required of $0.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 37+ years at present job | |||||||||||||||||||||||||||||||||||||
| 441 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score 4.7 is > 2.5. Clayton to order desk review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 767 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,091,034.60 / 140.17 months PITIA > min required of $0.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 37+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 442 | 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 | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 225 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 759 is 139 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $10,564.22/5.30 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 444 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Required Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $277,018.82, or 99.80 months PITI.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 764 FICO score. Minimum required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with the same job for over 5 years. | |||||||||||||||||||||||||||||||||||||
| 444 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/9/2026: Received Safe Harbor status. |
6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $277,018.82, or 99.80 months PITI.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 764 FICO score. Minimum required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with the same job for over 5 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 444 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order Desk Review |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $277,018.82, or 99.80 months PITI.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 764 FICO score. Minimum required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with the same job for over 5 years. | |||||||||||||||||||||||||||||||||||||
| 444 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $277,018.82, or 99.80 months PITI.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 764 FICO score. Minimum required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with the same job for over 5 years. | |||||||||||||||||||||||||||||||||||||
| 445 | 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 | XXX | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 mid score > min required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 32+ years at present job.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 133 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | XXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 806 / 809 exceeds minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #5 years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #456 months, Credit ratio 0.0567% | |||||||||||||||||||||||||||||||||||||||||||||||||||
| 454 | 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 | XXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 23 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.00%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $296,822.50 or 46.05 months PITIA (all REO) > min required $0.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure in file. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have very few debts requiring monthly payments.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 XXX employed greater than 10 years.
CFCFS2860: Good credit history - Clayton Comments: No derogatory items listed on credit. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Credit | Assets | Satisfied | D | A | D | A | XXX | Asset documentation is insufficient per guideline requirements |
No | $296K Gift Letter in the file. No other assets in file. Provide proof the Gift funds were either deposited into borrower account or deposited with Settlement Agent. |
5/27/2026: Received Gift Transfer to Title for exact amount for funds to close. |
5/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have very few debts requiring monthly payments.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 XXX employed greater than 10 years.
CFCFS2860: Good credit history - Clayton Comments: No derogatory items listed on credit. | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have very few debts requiring monthly payments.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 XXX employed greater than 10 years.
CFCFS2860: Good credit history - Clayton Comments: No derogatory items listed on credit. | |||||||||||||||||||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | XXX | 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 $33,978.36 / 13.89 months PITIA > min required of $0.00.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 9 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 145 months. | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 457 | 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 | XXX | Missing updated valuation |
No | LCA > 2.5. Clayton to order Desk Review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $598,464.01 or 114.36 mos. PITIARequired reserves = $0.00 | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | C | D | B | A | A | D | C | C | C | D | A | A | A | Credit | Assets | Active | C | C | C | C | XXX | Insufficient Funds to Close |
Yes | Loan has $9,378.45 in verified assets. $8,895.85 funds required to close. The credit report has an open XXX account balance of $2,439, which deducted from assets leaves $6,939.45 in assets. Loan is short $1,956.40 funds to close. Provide additional assets or XXX statement verifying a hybrid account with minimum payment due to be added to DTI. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 exceeds min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: 18 years in profession.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 95% maximum. | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | C | D | B | A | A | D | C | C | C | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 exceeds min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: 18 years in profession.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 95% maximum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | C | D | B | A | A | D | C | C | C | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 exceeds min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: 18 years in profession.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 95% maximum. | |||||||||||||||||||||||||||||||||||||
| 459 | 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 | Credit/ Mtg History |
Satisfied | D | A | D | A | XXX | Credit report incomplete |
No | Credit in file for B1 (XXX XXX ) is illegible. DTI calculated using final 1003. Additional exceptions may apply upon review of legible credit report. |
6/11/2026: Received legible credit report. Most credit debt is paid through business. DTI is 44.60%. |
6/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at primary residence (borrowers 2 and 3).
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 mid score > min required of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at present job for B2 (XXX); 20+ years at present job for B3 (XXX) | |||||||||||||||||||||||||||||||||||||
| 460 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller-paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.24%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.59%/maximum 50
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 797/minimum 680 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 460 | 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 | C | A | C | A | XXX | Appraisal includes one or more issue(s) |
No | Provide copy of complete appraisal. One in the file is missing appraiser signature, License and E&O; missing subject and comp photos, location map, plat map, aerial map, neighborhood aerial map. |
5/29/2026: PDF received is corrupt. Please re-upload appraisal.6/3/2026: Received complete appraisal. |
5/29/2026: Exception remains.6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.24%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.59%/maximum 50
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 797/minimum 680 | |||||||||||||||||||||||||||||||||||||
| 460 | 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 | XXX | Appraiser License Missing |
No | missing current appraiser license |
5/29/2026: PDF received is corrupt. Please re-upload appraisal.6/3/2026: Received complete appraisal. |
5/29/2026: Exception remains.6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.24%/maximum 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.59%/maximum 50
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 797/minimum 680 | |||||||||||||||||||||||||||||||||||||
| 462 | 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 | XXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 463 | 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 | XXX | Missing updated valuation |
No | No CU/ LCA score due to property type. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 25+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 660. | |||||||||||||||||||||||||||||||||||||
| 465 | 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 | XXX | 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: Borrowers DTI 34.71% is below guideline maximum 45%.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 12 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 Assets are $17,346.01 or 2.30 months of PITI. DU AUS required no reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 467 | 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 | Credit/ Mtg History |
Satisfied | D | A | D | A | XXX | Missing credit report |
No | Missing the credit report, additional conditions may apply. |
5/29/2026: Received credit report. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $820,503.65 exceed guidelines $0.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job—30 years plus | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | XXX | Appraisal includes one or more issue(s) |
No | Provide complete copy of appraisal. One in the file is missing appraiser signature, all subject and comp photos, Legal description, plat map, location map, flood map, appraiser license and E&O. |
5/29/2026: Received complete appraisal. |
5/29/2026: 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 @ 3.37%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $319,639.71 in post closing reserves. DU requires $0. | |||||||||||||||||||||||||||||||||||||
| 469 | XXXXXX | XXXXXX | PA | 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 | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower score is 807. Minimum score per program is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $145,307 exceed guidelines $0.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been on the current job for 18 years. | |||||||||||||||||||||||||||||||||||||
| 473 | 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 | XXX | 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 $286,754.24 month > reserve requirement $0. | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | XXX | TRID—CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | In the Will Not Have an Escrow Account in the CD Loan Disclosures section neither of You declined it and/or Your lender does not offer one are selected. |
06.10.2026—PCCD received |
06.10.2026 -Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.22%; guidelines allow 80%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99 months. | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Property Valuations |
Appraisal | Satisfied | C | A | C | A | XXX | Appraisal includes one or more issue(s) |
No | Provide complete appraisal copy. Missing Appraiser signature, license and E&O; missing subject and comp photos, Location Map. |
6/3/2026: Received complete appraisal. Subject rear photo is missing, but there are multiple photos of the rear of the property at different angles. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.22%; guidelines allow 80%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99 months. | |||||||||||||||||||||||||||||||||||||
| 480 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | XXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B3 has been XXX employed at current job for 11 years.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 11/2008. | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 488 | XXXXXX | XXXXXX | NJ | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | The Affiliated Business Disclosure was not included in the closing package. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.41%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 488 | XXXXXX | XXXXXX | NJ | 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 | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.41%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 489 | 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 | XXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 mid score 813 > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit 3.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 258 months. | |||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 490 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $328,708.15/67.10 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 490 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $328,708.15/67.10 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA (3.5) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #24 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 792 / 793 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 #223 months, Credit ratio 20.48% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | UT | 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 | XXX | 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 fail for $504.20. Lender credits decreased from $701.00 to $196.80. No COC provided disclosing reduction in credits. |
6/3/26—Lender provided COC showing reduction in lender credits. |
6/3/26—Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $16,810.29 or 4.81 months PITI reserves, DU required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | UT | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $16,810.29 or 4.81 months PITI reserves, DU required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | UT | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $16,810.29 or 4.81 months PITI reserves, DU required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 501 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #174 months, Credit ratio 15.43%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 801 / 806 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash out at closing: $493,052.87Required Reserves are $25,706.04Additional statements ($1,406,777.24) in file not needed on AUS | |||||||||||||||||||||||||||||||||||||
| 501 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #174 months, Credit ratio 15.43%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 801 / 806 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash out at closing: $493,052.87Required Reserves are $25,706.04Additional statements ($1,406,777.24) in file not needed on AUS | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Clayton ATR/ QM status pending for: missing income documentation. Proof of monthly IRA dist. |
6/3/2026: Received 1/2026 XXX XXX . $931,931.37 /240 months = $3,883.05/month. Using lender’s lower yield. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 246 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | 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 $4,598.00 due to Discount Point Fee increased from LE XXX to LE 0XXX . Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
05.27.2026—Upon further review, exception is not valid. Fee data entry inputs updated. |
05.27.2026—Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 246 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | XXX | Income Amount is Unsupported by Documentation in File |
No | Missing most recent bank statement to verify receipt of monthly IRA dist. in the amt. of $3,086.37 |
6/3/2026: Received 1/2026 XXX XXX $931,931.37 /240 months = $3,883.05/month. Using lender’s lower yield. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 246 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 246 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.05%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $744,287.23/ 332.31 months PITI > min required of $0.00.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 246 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | FL | 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 | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/9/2026: Received Safe Harbor status. |
6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $94,102.70Required Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 810 / 823 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #444 months | |||||||||||||||||||||||||||||||||||||
| 507 | XXXXXX | XXXXXX | PA | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 is 150 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.69%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $7,139.14/2.04 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 243 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 507 | XXXXXX | XXXXXX | PA | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 is 150 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.69%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $7,139.14/2.04 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 243 months. | |||||||||||||||||||||||||||||||||||||
| 507 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | XXX | Property Value Not Supported |
No | 6/3/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Exterior- only 2055 report. |
6/9/2026: Received Report 2055 Ext- only supporting value. |
6/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 is 150 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.69%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $7,139.14/2.04 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 243 months. | |||||||||||||||||||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA (4) score is >2.5. Clayton to order desk review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 770 / 788 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #449 months, Credit ratio 26.02%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #9 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 518 | 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 | XXX | Missing updated valuation |
No | LCA score 3.0. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 210 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 776 is 156 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $105,011.20/24.16 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 3.28%. | |||||||||||||||||||||||||||||||||||||
| 520 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.76%; guidelines allow 80%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has mortgage payment history 0x30 since 8/2014. | |||||||||||||||||||||||||||||||||||||
| 520 | 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 | XXX | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.76%; guidelines allow 80%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has mortgage payment history 0x30 since 8/2014. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 522 | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA (Not accessed) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 739 / 798 exceeds minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with same employer > 27 Years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX-employed > #15 years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #85 months | |||||||||||||||||||||||||||||||||||||
| 523 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | A | D | A | A | A | D | A | B | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | A | B | A | XXX | TRID Not all required seller- paid fees were disclosed on the CD |
No | Seller fees and Realtor commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been in same profession for 16 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 523 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | A | D | A | A | A | D | A | B | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been in same profession for 16 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 523 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | A | D | A | A | A | D | A | B | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been in same profession for 16 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 524 | 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: Min FICO is 620; borrs qualifying FICO is 776
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required; remaining assets after close $60,072.18
CFCFS5269: Minimal use of credit - Clayton Comments: Borrs credit utilization is 2.96% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 527 | XXXXXX | XXXXXX | WA | 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 | XXX | Missing updated valuation |
No | CU score > 2.5. Clayton to order Desk Review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.85%.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have65 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 529 | 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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 14 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $67,932.81 or 15.16 months PITI reserves, LP required no reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 532 | 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 | XXX | Missing updated valuation |
No | LCA (Not accessed) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 796 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $94,217.30Required Reserves are $0
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #348 months, Credit ratio 0.0335% | |||||||||||||||||||||||||||||||||||||
| 534 | 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 | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 168 months mortgage payment history 0x30.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 239 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 17 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 535 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | XXX | Incorrect ROR Form Used—H8 Form Used in Refinance With Original Creditor |
No | Incorrect ROR Form Used—H8 Form Used in Refinance With Original Creditor |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 224 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 is 154 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.84% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers has 0x30 for 175 months. | |||||||||||||||||||||||||||||||||||||
| 536 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #203 months, Credit ratio 50.06%
CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower and Co-Borrower have received Bonus income in 2025 / 2024. Income was not needed or used for qualifying
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 764 / 788 exceeds minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > 9 years | |||||||||||||||||||||||||||||||||||||
| 536 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #203 months, Credit ratio 50.06%
CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower and Co-Borrower have received Bonus income in 2025 / 2024. Income was not needed or used for qualifying
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 764 / 788 exceeds minimum of 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > 9 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 539 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $53,981.75 or 5.59 months PITI reserves, DU required no reserves to be verified.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.12% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 540 | XXXXXX | XXXXXX | CA | 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 | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Provide disposition of property located at: XXX XXX XXX XXX, CA. As appearing on HOI policy provided XXX- XXX. pg. 401 of PDF. No other REO reflected on final signed 1003 B1 and CB. HOI shows REO as a rental. Additional conditions may apply. |
6/17/2026: Received PDR for XXX XXX—still owned by B1. No liens. XXX is the ADU. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 781 exceeds guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 42.5 is below guideline maximum of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $58724.26 exceed AUS requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| 540 | XXXXXX | XXXXXX | CA | 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 | XXX | Missing verification of some or all components of non- subject PITI |
No | Provide disposition of property located at: XXX XXX XXX XXX, CA. As appearing on HOI policy provided XXX- XXX. pg. 401 of PDF. No other REO reflected on final signed 1003 B1 and CB. HOI shows REO as a rental. Additional conditions may apply. |
6/17/2026: Received PDR for XXX XXX XXX—still owned by B1. No liens. XXX is the ADU. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 781 exceeds guideline minimum of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI 42.5 is below guideline maximum of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $58724.26 exceed AUS requirement of $0.00 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 542 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | 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: Borrowers DTI 37.57% is below guideline maximum 45%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 543 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 364 months.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 4.93%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $113,863.32/31.79 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 543 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 364 months.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 4.93%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $113,863.32/31.79 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/8/2026: Received Safe Harbor status. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 778 / 813 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #137 months | |||||||||||||||||||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | UT | 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 | XXX | Missing updated valuation |
No | LCA (not accessed) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #6 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 778 / 813 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #137 months | |||||||||||||||||||||||||||||||||||||
| 546 | XXXXXX | XXXXXX | AR | 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 | XXX | 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 $1570 due to 0.25% Points increased from Initial LE XXX Points was $0.00 increase on Revised CD XXX to $1570.00. Change of Circumstance was provider dated XXX but the increase for the Points was not included. |
6/8/26—Lender provided COC showing discount points decrease. |
6/8/26—Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $16,417.43 post closing reserves, 3.56 PITI for subject property.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 772. Minimum score per program is 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.12% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 547 | XXXXXX | XXXXXX | AL | 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 | DTI | Satisfied | C | A | C | A | XXX | Debt Ratio > 50% |
No | Review DTI of 50.64% exceeds the DU DTI of 48.97%, PITI verified by lender of $2,774.67 per Final 1003 and Clayton verified $2,943.53 from docs in the file, for the borrowers vacating property located at XXX. |
6/11/2026: Received updated 1008 and DU with 47.46% DTI. Lender lowered tax escrow as estimate was used since subject is a new construction. The IEADS verifies the $1,897.12 annual amount to be collected. Clayton used this amount and DTI is now 48.53%. |
6/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $46,766.67 or 9.95 months PITI reserves, du required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.78%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 548 | 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 | XXX | Missing updated valuation |
No | CU > 2.5. Clayton to order desk review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Max DTI is 45%; borr dti is 26.89%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min FICO is 620; borr FICO is 789
CFCFS1739: Positive mortgage payment history - Clayton Comments: No 0x30 mortgage pymt history on current mortgage | |||||||||||||||||||||||||||||||||||||
| 550 | XXXXXX | XXXXXX | MT | 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 @ 6.49%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $94,960.30 or 26.53 months PITI reserves, DU required no reserves to be verified. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #105 months, Credit ratio 3.28%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #20 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 812 exceeds minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 554 | 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 | Right of Rescission |
Active | B | B | B | B | XXX | Incorrect ROR Form Used—H8 Form Used in Refinance With Original Creditor |
No | Per title commitment, loan originated with the same creditor. Incorrect H8 ROR form was used for this refinance transaction. Condition is pending receiving a correct version H9 of NORTCs to all entitled to rescind to re-open rescission, LOX to borrower and proof of delivery with tracking information. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 84 Months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 727 Guidelines allow 620
CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months | |||||||||||||||||||||||||||||||||||||
| 554 | 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 | XXX | Missing updated valuation |
No | LCA score of 3.5 is >2.5. Clayton to order desk review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 84 Months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 727 Guidelines allow 620
CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller- paid fees were disclosed on the CD |
No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. |
(No Data) | This exception is informational. Exception satisfied. Final Grade A |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 29.14% is lower than max DTI allowed 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 3/23/20.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $89,150.74 exceed minimum required $828.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 775 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 29.14% is lower than max DTI allowed 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 3/23/20.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $89,150.74 exceed minimum required $828.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 775 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 29.14% is lower than max DTI allowed 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, Borrower has been with current employer since 3/23/20.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $89,150.74 exceed minimum required $828.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 775 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 557 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.49% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.24%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 557 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.49% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.24%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—CD: Loan consummated before end of waiting period |
No | Need proof initial CD was received by borrower 3 days before consummation date of XXX |
5/27/26—Lender provided initial CD dated XXX and signed XXX. |
5/27/26—Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $31,015.36 or 5.56 months PITI, DU required verification of $528 in reserves.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $31,015.36 or 5.56 months PITI, DU required verification of $528 in reserves.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% | |||||||||||||||||||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO supporting value. |
5/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $31,015.36 or 5.56 months PITI, DU required verification of $528 in reserves.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% | |||||||||||||||||||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—Loan Estimate not timely |
No | Initial application date XXX. LE in file is dated XXX and e-signed XXX |
06.16.2026- LE XXX received |
06.16.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.64 %; guidelines allow 80%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.43% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | 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 in the amount of $75 due to following: Sb- 2 to county of XXX $75 added on CD XXX but not disclosed on Initial LE XXX with no valid COC. Condition is pending receiving a valid Change of Circumstances/ Rate Lock extension or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. |
06.16.2026—COC and missing disclosures received |
06.16.2026—Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.64 %; guidelines allow 80%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.43% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller-paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $184951.19 or 23.57 months PITI reserves, DU required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.30%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.11% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $184951.19 or 23.57 months PITI reserves, DU required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.30%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.11% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | OH | 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: Borrower has been with employer > #4 years
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #125 months, Credit ratio 6.97%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 794 exceeds minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 566 | 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: 809 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have120 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA—List of homeowners counseling organizations not in file |
No | List of homeowners counseling organizations missing. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%, guidelines allow 95%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 11 years in the present business. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | affiliated business disclosure missing |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%, guidelines allow 95%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 11 years in the present business. | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID—Seller CD not in file; need in order to complete fee entry |
No | Seller CD missing from file, final CD does not show any seller fees. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%, guidelines allow 95%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 11 years in the present business. | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Credit | Assets | Satisfied | D | A | D | A | XXX | Asset documentation is insufficient per guideline requirements |
No | Missing current bank statement for XXX Bank #XXX reflecting bal. of $166,393.36 |
6/8/2026: Received 3/15/2026- 4/15/2026 print out for XXX #XXX. Does not show account owner. Cannot validate using names in the transaction history.6/15/2026: Received XXX #XXX 3/25/2026 stmnt belongs to B1. |
6/8/2026: Exception remains.6/15/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%, guidelines allow 95%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 11 years in the present business. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA score > 2.5. Clayton to order Desk Review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%, guidelines allow 95%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 11 years in the present business. | |||||||||||||||||||||||||||||||||||||
| 569 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller- paid fees were disclosed on the CD |
No | Seller fees and Realtor commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Borrowers put in additional 5% downpayment
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 793 / 806 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $143,314.04Required Reserves are $0
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #91 months, Credit ratio 2.77% | |||||||||||||||||||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $25,699.60 or 4.40 months PITI reserves. LP required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.75% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | LA | 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 | XXX | Missing Legal Document(s) |
No | Provide verification borrowers authorize transaction. Credit report indicates Fraud Alert. |
6/25/2026: Processor certification provided to address fraud alert. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #59 months, Credit ratio 14.15%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 815 / 812 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $409,891.81 Required Reserves are $0
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has beenXXX employed > #9 years | |||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 149 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 2.16%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $49,472.37/10.58 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 149 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 2.16%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $49,472.37/10.58 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 574 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/12/2026: Received Safe Harbor status. |
6/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 779 / 798 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #138 months
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years | |||||||||||||||||||||||||||||||||||||
| 574 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 779 / 798 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #138 months
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years | |||||||||||||||||||||||||||||||||||||
| 574 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 779 / 798 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #138 months
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 577 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.55%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 578 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.65%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.96%; guidelines allow 80%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | NV | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | A | A | D | A | D | A | C | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | XXX | Missing HUD-1 from sale of property |
No | Missing the final HUD- 1/CD from sale of the departing residence on XXX |
6/8/2026: Received Final ALTA: $XXX to this loan transaction, $26,742.92 remaining net proceeds 4/2/2026. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 18 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $163,250.71, required reserves are $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 782 exceeds the guideline program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | NV | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | A | A | D | A | D | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 18 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $163,250.71, required reserves are $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 782 exceeds the guideline program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 582 | XXXXXX | XXXXXX | CO | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 808 / 797 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #123 months, Credit ratio .25%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $58,327.33Required Reserves are $0 | |||||||||||||||||||||||||||||||||||||
| 582 | XXXXXX | XXXXXX | CO | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA (3.3) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 808 / 797 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #123 months, Credit ratio .25%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $58,327.33Required Reserves are $0 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 583 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% | |||||||||||||||||||||||||||||||||||||
| 583 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.89% | |||||||||||||||||||||||||||||||||||||
| 586 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | XXX | 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 in the amount of $130.00 due to the addition of Title—Archive Fee $60.00, Title—Document Preparation Fee $50.00; increase in Title Insurance Binder $15.00 and Title—Administration $5.00 without a COC in file. A lender cure for $15.00 was disclosed on Final CD; however, an additional $115.00 is required. Condition pending receipt of a valid COC or Post CD reflecting lender’s cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $173,268.53, OR 37 months in PITIA reserves > required $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 41.56% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 586 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $173,268.53, OR 37 months in PITIA reserves > required $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 41.56% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 586 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/1/2026: Received BPO supporting value. |
6/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $173,268.53, OR 37 months in PITIA reserves > required $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 41.56% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | XXX | 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 | Please provide validation of continuance for Co- Borrower qualifying income in the amount of $5333.47 per month |
6/17/2026: Received updated AUS with 35.89% DTI, Final 1003 and 1008. B2 income removed. Still DU A/E #7. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #139 months, Credit ratio 32.64%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 775 / 756 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Credit | Income/ Employment |
Satisfied | B | A | B | A | XXX | Verbal verification of employment completed outside the stated requirements and/or after closing/ funding |
No | Please provide Co- Borrower explanation, along with Employer confirmation of return to work date. VVOE indicates the Borrower is currently “on leave” vs. “Active”. |
6/17/2026: Received updated AUS with 35.89% DTI, Final 1003 and 1008. B2 income removed. Still DU A/E #7. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #139 months, Credit ratio 32.64%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 775 / 756 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years | |||||||||||||||||||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | 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 |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.22% | |||||||||||||||||||||||||||||||||||||
| 593 | XXXXXX | XXXXXX | CO | 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 | XXX | TRID—CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | Final CD XXX under the loan disclosures “Will not have an escrow account because” is selected, but neither You declined it nor Your lender does not offer one are selected. |
06.08.2026 -PCCD received |
06.08.2026 -Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0%
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 815. Minimum score per program is 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 593 | XXXXXX | XXXXXX | CO | 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 | XXX | Missing updated valuation |
No | LCA score is > 2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0%
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 815. Minimum score per program is 620.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 598 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $547,336.85 or 177.12 months PITI reserves, LP required no reserves to be verified.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 33+ years at present job | |||||||||||||||||||||||||||||||||||||
| 598 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $547,336.85 or 177.12 months PITI reserves, LP required no reserves to be verified.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 33+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 599 | 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 | XXX | Missing updated valuation |
No | Missing Updated Valuation: LCA (3) score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX -employed / with same employer > #16 years
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 #355 months, Credit ratio 36.21% | |||||||||||||||||||||||||||||||||||||
| 603 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW Approved, Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $648,641.86/ 111.93 months PITI > min required of 0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 52 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 603 | 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 | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $648,641.86/ 111.93 months PITI > min required of 0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 52 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 604 | 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 | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 811 / 811 exceeds minimum of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 64% below requirements
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #164 months, Credit ratio .78% | |||||||||||||||||||||||||||||||||||||
| 605 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $265,895.52 or 53.05 PITIA. DU AUS required no reserves.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 8 years 8 months at current job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Low use of consumer credit. Credit line usage 2.36%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | C | D | B | B | B | D | C | C | C | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | The Provide Affiliated Business Disclosure was not included in the package. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34% is below guideline max DTI of 45.0%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 707, minimum program credit score is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets verified are $29,508.21, or 5 months PITI in reserves. Reserves not required per AUS. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | C | D | B | B | B | D | C | C | C | D | A | B | B | Credit | Terms/ Guidelines |
Active | C | C | C | C | XXX | Loan documents do not meet guideline requirements |
Yes | 6/2/2026: Exception added after review of trailing docs: Received BPO. The Street address is XXX XXX XXX XXX. Photo of the street placard is in the report. Clayton verified on XXX, that the spelling is XXX XXX XXX The Note, Mortgage, Flood Cert, HOI, Final CD—all show XXX XXX XXX. Correction required and proof Mortgage is sent for re- recordation. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34% is below guideline max DTI of 45.0%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 707, minimum program credit score is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets verified are $29,508.21, or 5 months PITI in reserves. Reserves not required per AUS. | |||||||||||||||||||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | C | D | B | B | B | D | C | C | C | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW Approved, Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34% is below guideline max DTI of 45.0%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 707, minimum program credit score is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets verified are $29,508.21, or 5 months PITI in reserves. Reserves not required per AUS. | |||||||||||||||||||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | C | D | B | B | B | D | C | C | C | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34% is below guideline max DTI of 45.0%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 707, minimum program credit score is 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets verified are $29,508.21, or 5 months PITI in reserves. Reserves not required per AUS. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 610 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
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 | XXX | Asset documentation is insufficient per guideline requirements |
No | Missing the HUD/CD for the sale of XXX XXX XXX to verify the sale proceeds used (in LP) of $300,000 and payoff of existing lien |
6/16/2026: REceived HUD1 showing $312,867.02 in net proceeds and lien PIF. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 60.73% is 34.27% below the 95% LTV allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 777 is 157 points above the 620 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 37.04% is 7.96% below the 45% allowed. | |||||||||||||||||||||||||||||||||||||
| 610 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
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 | XXX | Missing updated valuation |
No | LCA Risk could not be assessed for this submission. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 60.73% is 34.27% below the 95% LTV allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 777 is 157 points above the 620 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 37.04% is 7.96% below the 45% allowed. | |||||||||||||||||||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | CU Score (unavailable) for the subject property. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 25+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 owns multiple businesses with positive monthly income that were not used or required for qualification.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 613 | 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 | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/9/2026: Received Safe Harbor status. |
6/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 receives commission income for the last 2 years and year to date that is not being used for qualifying.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.09%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $36,473.61 post closing reserves, 8.37 PITI for subject property.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 783. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 614 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller-paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied |
(No Data) |
This exception is informational. Exception satisfied. Final Grade A |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $408,777.67/73.48 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 614 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Title | Satisfied | D | A | D | A | XXX | Title incomplete |
No | The prelim title policy in file doesn’t reflects the proposed insured and coverage amount. |
6/2/2026: Received Title showing $XXX coverage. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $408,777.67/73.48 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 614 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $408,777.67/73.48 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 614 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $408,777.67/73.48 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 615 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller- paid fees were disclosed on the CD |
No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
(No Data) | Exception Satisfied, seller fees have been sourced on the Seller CD. |
Numeric | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in the same business for over 6 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI is 37.83%, below guideline maximum of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $122,271.23, or 15.84 months PITI. Guidelines do not require reserves for this transaction.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 798 FICO Score. Minimum required is 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 617 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 801 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves: $378,350.22Cash out at closing: $42,761.22Required Reserves are $25,440
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #212 months, Credit ratio 23.28% | |||||||||||||||||||||||||||||||||||||
| 617 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—CD: Loan consummated before end of waiting period |
No | Missing the initial CD from the file provide missing CD |
06.08.2026 -ICD received |
06.08.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 801 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves: $378,350.22Cash out at closing: $42,761.22Required Reserves are $25,440
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #212 months, Credit ratio 23.28% | |||||||||||||||||||||||||||||||||||||
| 617 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/8/2026: Received Safe Harbor status. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 801 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves: $378,350.22Cash out at closing: $42,761.22Required Reserves are $25,440
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #212 months, Credit ratio 23.28% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 618 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | XXX | RESPA: Required Affiliate Business Disclosure missing |
No | Missing The Affiliated Business Disclosure from file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.66%/maximum 80%
CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence | |||||||||||||||||||||||||||||||||||||
| 620 | XXXXXX | XXXXXX | MD | 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 | XXX | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 717 exceeds guideline minimum credit score of 620.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 18 years in same line of work/profession | |||||||||||||||||||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $131,468.54, 20.77 PITI reserves for subject property.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.28%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 25 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 622 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller- paid fees were disclosed on the CD |
No | Not all required seller- paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $123,188.44 or 20.65 months of PITI$0 Required Reserves.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.50% dti; Max DTI is 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 622 | 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 | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $123,188.44 or 20.65 months of PITI$0 Required Reserves.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.50% dti; Max DTI is 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 years in the same profession | |||||||||||||||||||||||||||||||||||||
| 622 | 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 | XXX | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $123,188.44 or 20.65 months of PITI$0 Required Reserves.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.50% dti; Max DTI is 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 years in the same profession | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 626 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller- paid fees were disclosed on the CD |
No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
(No Data) | Exception Satisfied, seller fees have been sourced on the Seller CD. |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $36,614.43 post closing assets. 7.9 months of reserves, PITI. Required reserves are $0.00
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 797. Minimum score per program is 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.14% | |||||||||||||||||||||||||||||||||||||
| 628 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | TRID Not all required seller- paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied |
(No Data) | This exception is informational. Exception satisfied. Final Grade A |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.73% | |||||||||||||||||||||||||||||||||||||
| 629 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39098.56 / 8.74 months PITIA > min required of 0.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.38% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 629 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39098.56 / 8.74 months PITIA > min required of 0.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.38% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 630 | XXXXXX | XXXXXX | TX | 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 | XXX | Missing verification of some or all components of non- subject PITI |
No | Missing Evidence XXX is owned Free & clear. 1040’s has Mtg interest LOX XXX — On sch E not listed on App — Positive rental income |
6/8/2026: Received proof REO is owned F&C. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 808 / 771 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $863,638.33 Required Reserves are $0
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 01X30, 0X60, 0X90, in #38 months, Credit ratio 7.65% Charge dated 11/24, 1 X 30 dated 8/23 | |||||||||||||||||||||||||||||||||||||
| 631 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | XXX | 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. The Seller paid commission can be sourced from the Seller’s CD |
Numeric | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit
CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.53% DTI below guideline requirement 43%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 13.63 months Verified cash reserves exceed guidelines 3 months | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 634 | 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: Borrower has significant time at current job, 6 years 6 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 798 FICO score. Minimum required 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.57% below guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 637 | 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 | XXX | Missing updated valuation |
No | LCA score is unavailable. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.9% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 639 | 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 | XXX | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 19.78% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $124,230.53 / 15.36 months PITIA > min required of $0.00.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 10 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 642 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 783 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #139 months
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $156,492.15 Required Reserves are $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | XXX | TRID—CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Zero tolerance in the amount of $255.00 due to Appraisal Fee increase on CD XXX and the addition of Appraisal Desk Review Fee on CD XXX without a COC in file. A lender cure in the amount of $50.00 was disclosed; however, an additional $205.00 is required. Provide a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. |
06.08.2026 -COC provided |
06.08.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 33.130%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 741 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX -employed > #28 years | |||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | XXX | TILA—Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
6/8/2026: Received Safe Harbor status. |
6/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 33.130%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 741 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX -employed > #28 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #228 months, Credit ratio 33.130%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 741 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX -employed > #28 years | |||||||||||||||||||||||||||||||||||||
| 646 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,376.07Required Reserves are $0
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #120 months, Credit ratio .26%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 802 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 646 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/3/2026: Received BPO supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,376.07Required Reserves are $0
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #120 months, Credit ratio .26%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 802 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 647 | 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 | XXX | Missing updated valuation |
No | LCA score 3.5 is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.28%
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 $544,997.14 or 171.60 months PITI reserves, LP required no reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 649 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | XXX | Income docs do not meet guidelines |
No | The borrower was qualified on future income from an offer letter. The offer letter in file is not executed and there are some contingencies, in the offer letter, that are not addressed within the loan file. |
6/2/2026: Received verification all contingencies met and starts 5/4/2026. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $887,936.75 or 221.07 months PITI reserves, LP required no reserves to be verified
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.46%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 649 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | XXX | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $887,936.75 or 221.07 months PITI reserves, LP required no reserves to be verified
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.46%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 649 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | XXX | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/2/2026: Received BPO supporting value. |
6/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $887,936.75 or 221.07 months PITI reserves, LP required no reserves to be verified
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.46%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 653 | 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 | XXX | Missing updated valuation |
No | LCA score is 4 which is >2.5. Clayton to order desk review. |
6/3/2026: Received CDA supporting value. |
6/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years 3 months at current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 753 is 133 points above the 620 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 30.31% is 14.69% below the 45% allowed. | |||||||||||||||||||||||||||||||||||||
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF6_J17053 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 295 | |
| Loans with Conditions: | 241 | |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1 | 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 | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 4 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 6 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | 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 | Not Applicable | ||||||||||||||||||||
| 10 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | No | ||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 19 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 20 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 24 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | ||||||||||||||||||||
| 27 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 32 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 43 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 44 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 46 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 49 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 52 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 54 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 57 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 61 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | 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 | ||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | XXXXXX | D | C | D | A | D | A | D | C | D | C | D | A | D | A | D | C | Not Applicable | ||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 83 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 86 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 89 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | No | ||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 93 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 104 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | ||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | No | ||||||||||||||||||||
| 115 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | No | ||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Not Applicable | ||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | ||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | No | ||||||||||||||||||||
| 135 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 137 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 138 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 147 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | B | C | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | XXXXXX | D | C | D | A | D | A | C | C | D | C | D | A | D | A | C | C | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 152 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 154 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | No | ||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Not Applicable | ||||||||||||||||||||
| 173 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | 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 | No | ||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Not Applicable | ||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | No | ||||||||||||||||||||
| 191 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 197 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | 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 | Not Applicable | ||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | 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 | No | ||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 233 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Not Applicable | ||||||||||||||||||||
| 241 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Yes | ||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | No | ||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Not Applicable | ||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 271 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 274 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 277 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 282 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 283 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Not Applicable | ||||||||||||||||||||
| 654 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 290 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 292 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | C | B | A | A | C | A | C | A | C | A | A | A | No | ||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 305 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 306 | 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 | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 316 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 320 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 321 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 322 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | A | C | B | D | B | B | B | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 323 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 330 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 335 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 341 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 343 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 354 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 359 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 360 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 362 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 366 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 368 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 376 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 383 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 387 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 401 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | XXXXXX | D | C | D | C | D | A | B | B | D | C | D | C | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 408 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | 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 | ||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 428 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 441 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 442 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 444 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | B | B | D | B | C | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 445 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | No | ||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 457 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | XXXXXX | D | C | C | C | D | B | A | A | D | C | C | C | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 459 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 460 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 463 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 465 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 467 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 469 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 473 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 480 | 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 | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 489 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 490 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 501 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | D | A | D | A | C | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 507 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 518 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 520 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 522 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 523 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | A | D | A | A | A | D | A | B | A | Not Applicable | ||||||||||||||||||||
| 524 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 527 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 529 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | 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 | No | ||||||||||||||||||||
| 535 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | 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 | ||||||||||||||||||||
| 540 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 543 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 546 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 547 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 548 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 550 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 554 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 557 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 574 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 577 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 578 | 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 | D | B | D | A | C | B | A | A | D | A | D | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 582 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 583 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 586 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Not Applicable | ||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | XXXXXX | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 593 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 598 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 603 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 604 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 605 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | XXXXXX | D | C | C | C | D | B | B | B | D | C | C | C | D | A | B | B | No | ||||||||||||||||||||
| 610 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 613 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 614 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 617 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 618 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 620 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 622 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 626 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 629 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 630 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 631 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 634 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 637 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 639 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 642 | 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 | C | A | D | A | C | A | D | A | C | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 646 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 647 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 649 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 653 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |