|
Client Name:
|
|||||||
|
Client Project Name:
|
TPMT 2026-2
|
||||||
|
Start - End Dates:
|
5/16/2016 - 4/11/2017
|
||||||
|
Deal Loan Count:
|
8
|
||||||
|
Conditions Report 2.0
|
|||||||
|
Loans in Report:
|
8
|
||||||
|
Loans with Conditions:
|
8
|
||||||
|
22 - Total Active Conditions
|
|||||||
|
2 - Material Conditions
|
|||||||
|
2 - Compliance Review Scope
|
|||||||
|
2 - Category: State Consumer Protection
|
|||||||
|
20 - Non-Material Conditions
|
|||||||
|
20 - Compliance Review Scope
|
|||||||
|
1 - Category: Compliance Manual
|
|||||||
|
1 - Category: Documentation
|
|||||||
|
10 - Category: Federal Consumer Protection
|
|||||||
|
1 - Category: RESPA
|
|||||||
|
1 - Category: State Anti-Predatory
|
|||||||
|
1 - Category: State Consumer Protection
|
|||||||
|
5 - Category: State Prepayment Penalty
|
|||||||
|
0 - Total Satisfied Conditions
|
|||||||
|
0 - Total Waived Conditions
|
|||||||
|
©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:
|
||||
|
Client Project Name:
|
TPMT 2026-2
|
|||
|
Start - End Dates:
|
5/16/2016 - 4/11/2017
|
|||
|
Deal Loan Count:
|
8
|
|||
|
Conditions Report 2.0
|
||||
|
Loans in Report:
|
8
|
|||
|
Loans with Conditions:
|
8
|
|||
|
Redacted Loan ID
|
Loan Number
|
LoanUID
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Loan Status
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR 9.974, HMDA Benchmark Rate 5.110, HMDA Benchmark/APR Variance 4.864, HMDA Rate Spread Trigger 3.000
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP849
|
TILA - Required ARM Loan Program Disclosure missing
|
No
|
Missing ARM disclosure.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Anti-Predatory
|
Active
|
N/A
|
B
|
N/A
|
B
|
CMPSTAP354
|
MN Home Loan - Fees exceed 5% limit.
|
No
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPSTCP1537
|
MN Home Loan - No acknowledgement of Oral Tax/Insurance Disclosure in file.
|
No
|
Missing MN no acknowledgement of Oral & Tax / Insurance disclosure.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Consumer Protection
|
Active
|
D
|
D
|
D
|
D
|
CMPSTCP1549
|
MN Home Loan- Initial Prepayment Penalty Disclosure not in file
|
Yes
|
Missing MN Home Loan initial payment penalty disclosure. Expired XXX.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Consumer Protection
|
Active
|
D
|
D
|
D
|
D
|
CMPSTCP1571
|
MN Home Loan- Final Prepayment Penalty Disclosure not in file
|
Yes
|
Missing MN Home loan Final payment penalty disclosure. Expired XXX.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Prepayment Penalty
|
Active
|
B
|
B
|
B
|
B
|
CMPSTPP105
|
PPP - State prohibits a PPP upon a bona fide sale of home; this PPP does not include a bona fide sale restriction.
|
No
|
PPP exceeds maximum limits, PPP expires XXX.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Prepayment Penalty
|
Active
|
C
|
B
|
C
|
B
|
CMPSTPP107
|
PPP - Prepayment penalty exceeds maximum allowed (months interest)
|
No
|
PPP exceeds maximum limits, PPP expires 4/18/2008. Expired XXX.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Prepayment Penalty
|
Active
|
C
|
B
|
C
|
B
|
CMPSTPP108
|
PPP - Prepayment penalty type exceeds maximum allowed
|
No
|
PPP exceeds maximum limits, PPP expires XXX.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
Complete
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Prepayment Penalty
|
Active
|
C
|
B
|
C
|
B
|
CMPSTPP1533
|
MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed
|
No
|
PPP exceeds maximum limits, PPP expires XXX.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
Complete
|
|
9E2B0676-E95C-4FEF-9248-06BBDD1C0E04
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
State Prepayment Penalty
|
Active
|
C
|
B
|
C
|
B
|
CMPSTPP106
|
PPP - Prepayment penalty exceeds maximum allowed (%)
|
No
|
Prepayment penalty exceeds maximum allowed. PPP is expired.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
(No Data)
|
Complete
|
|
6DC7214A-ACD2-46CD-ABB5-C0F5697A3377
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
Complete
|
|
01347435-0C73-4B89-8F7A-18A6434D69DE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Documentation
|
Active
|
B
|
B
|
B
|
B
|
CMPDOC879
|
Loan subject to mandatory arbitration clause
|
No
|
Loan subject to mandatory arbitration clause; does not have removal upon sale clause.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
F49456C9-9D0F-4E4D-BBFB-2B5632F5E2B1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
The test APR is XXX%, the benchmark APR is XXX% which results in a difference of XXX% which exceeds the maximum allowed of XXX%.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
Complete
|
|
D7A10286-BBF9-46FC-B1A3-D26B8C5D6904
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
B
|
D
|
B
|
Compliance
|
Compliance Manual
|
Active
|
N/A
|
B
|
N/A
|
B
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing GFE.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
Complete
|
|
D7A10286-BBF9-46FC-B1A3-D26B8C5D6904
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
B
|
D
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP307
|
TILA - Missing TIL at application
|
No
|
Missing initial TIL.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
D7A10286-BBF9-46FC-B1A3-D26B8C5D6904
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
B
|
D
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP849
|
TILA - Required ARM Loan Program Disclosure missing
|
No
|
Missing ARM Loan Program Disclosure.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
D7A10286-BBF9-46FC-B1A3-D26B8C5D6904
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
B
|
D
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
C
|
B
|
C
|
B
|
CMPFDCP316
|
TILA - Stated Loan Term not equal to the TIL Payment term
|
No
|
Missing Final TIL.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
Complete
|
|
D7A10286-BBF9-46FC-B1A3-D26B8C5D6904
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
B
|
D
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
D
|
B
|
D
|
B
|
CMPFDCP308
|
TILA - Missing TIL at closing
|
No
|
Missing Final TIL.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
Complete
|
|
3FB9B47A-1D9F-4DF5-A323-5A8301E090FE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MS
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR of 12.133% with HMDA Benchmark Rate of 4.910% causing variance of 7.223% which exceeds HMDA Rate spread Trigger of 3.000.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
3FB9B47A-1D9F-4DF5-A323-5A8301E090FE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MS
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
Missing lender GFE.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
2B02D67A-F59E-4EFA-8C48-354D0B4FE100
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR of XXXX with HMDA Benchmark Rate of XXXX causing variance of XXXX which exceeds HMDA Rate spread Trigger of XXXX.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
Complete
|
|
Client Name:
|
||||
|
Client Project Name:
|
TPMT 2026-2
|
|||
|
Start - End Dates:
|
5/16/2016 - 4/11/2017
|
|||
|
Deal Loan Count:
|
8
|
|||
|
Conditions Report 2.0
|
||||
|
Loans in Report:
|
8
|
|||
|
Loans with Conditions:
|
8
|
|
Redacted Loan ID
|
Loan Number
|
LoanUID
|
Sample group
|
TRID Indicator
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Loan Compliance Grade
|
Final Securitization Loan Compliance Grade
|
Initial S&P Loan Compliance Grade
|
Final S&P Loan Compliance Grade
|
|
|
01347435-0C73-4B89-8F7A-18A6434D69DE
|
XXXXXX
|
XXXXXX
|
TPMT 2026-2
|
Pre-TRID
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
|
|
2B02D67A-F59E-4EFA-8C48-354D0B4FE100
|
XXXXXX
|
XXXXXX
|
TPMT 2026-2
|
Pre-TRID
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
|
|
3FB9B47A-1D9F-4DF5-A323-5A8301E090FE
|
XXXXXX
|
XXXXXX
|
TPMT 2026-2
|
Pre-TRID
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
|
|
6DC7214A-ACD2-46CD-ABB5-C0F5697A3377
|
XXXXXX
|
XXXXXX
|
TPMT 2026-2
|
Pre-TRID
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
|
|
9E2B0676-E95C-4FEF-9248-06BBDD1C0E04
|
XXXXXX
|
XXXXXX
|
TPMT 2026-2
|
Pre-TRID
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
TPMT 2026-2
|
Pre-TRID
|
XXXXXX
|
XXXXXX
|
D
|
D
|
D
|
D
|
|
|
D7A10286-BBF9-46FC-B1A3-D26B8C5D6904
|
XXXXXX
|
XXXXXX
|
TPMT 2026-2
|
Pre-TRID
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
|
|
F49456C9-9D0F-4E4D-BBFB-2B5632F5E2B1
|
XXXXXX
|
XXXXXX
|
TPMT 2026-2
|
Pre-TRID
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
|
|
Client Name:
|
||||
|
Client Project Name:
|
TPMT 2026-2
|
|||
|
Start - End Dates:
|
5/16/2016 - 4/11/2017
|
|||
|
Deal Loan Count:
|
8
|
|||
|
Conditions Report 2.0
|
||||
|
Loans in Report:
|
8
|
|||
|
Loans with Conditions:
|
8
|
|
Redacted Loan ID
|
Loan Number
|
LoanUID
|
TRID Indicator
|
Initial Securitization Loan Compliance Grade
|
Final Securitization Loan Compliance Grade
|
Initial S&P Loan Compliance Grade
|
Final S&P Loan Compliance Grade
|
HUD 1 Status
|
UAL State
|
Subject To Predatory Testing?
|
|
01347435-0C73-4B89-8F7A-18A6434D69DE
|
XXXXXX
|
XXXXXX
|
Pre-TRID
|
B
|
B
|
B
|
B
|
Present
|
N/A
|
N/A
|
|
2B02D67A-F59E-4EFA-8C48-354D0B4FE100
|
XXXXXX
|
XXXXXX
|
Pre-TRID
|
B
|
B
|
B
|
B
|
Present
|
N/A
|
N/A
|
|
3FB9B47A-1D9F-4DF5-A323-5A8301E090FE
|
XXXXXX
|
XXXXXX
|
Pre-TRID
|
B
|
B
|
B
|
B
|
Present
|
N/A
|
N/A
|
|
6DC7214A-ACD2-46CD-ABB5-C0F5697A3377
|
XXXXXX
|
XXXXXX
|
Pre-TRID
|
B
|
B
|
B
|
B
|
Present
|
N/A
|
N/A
|
|
9E2B0676-E95C-4FEF-9248-06BBDD1C0E04
|
XXXXXX
|
XXXXXX
|
Pre-TRID
|
C
|
B
|
C
|
B
|
Present
|
N/A
|
N/A
|
|
BD11412D-D80E-4563-B3CC-125B94D13B7E
|
XXXXXX
|
XXXXXX
|
Pre-TRID
|
D
|
D
|
D
|
D
|
Present
|
N/A
|
N/A
|
|
D7A10286-BBF9-46FC-B1A3-D26B8C5D6904
|
XXXXXX
|
XXXXXX
|
Pre-TRID
|
D
|
B
|
D
|
B
|
Present
|
N/A
|
N/A
|
|
F49456C9-9D0F-4E4D-BBFB-2B5632F5E2B1
|
XXXXXX
|
XXXXXX
|
Pre-TRID
|
B
|
B
|
B
|
B
|
Present
|
N/A
|
N/A
|