EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV7_J17055 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 489 | |
| Loans with Conditions: | 274 | |
| 56 - Total Active Conditions | ||||||
| 26 - Material Conditions | ||||||
| 15 - Credit Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Assets | ||||||
| 2 - Category: Credit/Mtg History | ||||||
| 2 - Category: DTI | ||||||
| 2 - Category: Income/Employment | ||||||
| 1 - Category: Insurance | ||||||
| 1 - Category: Legal Documents | ||||||
| 3 - Category: LTV/CLTV | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 2 - Property Valuations Review Scope | ||||||
| 2 - Category: Value | ||||||
| 9 - Compliance Review Scope | ||||||
| 3 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 6 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 30 - Non-Material Conditions | ||||||
| 6 - Credit Review Scope | ||||||
| 2 - Category: Credit/Mtg History | ||||||
| 3 - Category: DTI | ||||||
| 1 - Category: Income/Employment | ||||||
| 24 - Compliance Review Scope | ||||||
| 24 - Category: RESPA | ||||||
| 415 - Total Satisfied Conditions | ||||||
| 111 - Credit Review Scope | ||||||
| 13 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Application | ||||||
| 9 - Category: Assets | ||||||
| 16 - Category: Credit/Mtg History | ||||||
| 29 - Category: DTI | ||||||
| 21 - Category: Income/Employment | ||||||
| 4 - Category: Insurance | ||||||
| 5 - Category: Legal Documents | ||||||
| 1 - Category: Potential Misrepresentation | ||||||
| 6 - Category: Terms/Guidelines | ||||||
| 5 - Category: Title | ||||||
| 247 - Property Valuations Review Scope | ||||||
| 233 - Category: Appraisal | ||||||
| 2 - Category: FEMA | ||||||
| 1 - Category: Property | ||||||
| 11 - Category: Value | ||||||
| 57 - Compliance Review Scope | ||||||
| 18 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: APR Tolerance | ||||||
| 1 - Category: Compliance Manual | ||||||
| 2 - Category: Documentation | ||||||
| 3 - Category: Federal Consumer Protection | ||||||
| 32 - 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-INV7_J17055 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 489 | |
| Loans with Conditions: | 274 | |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry |
No | Seller CD not in file. |
7/6/26 - Lender provided Seller CD. |
7/6/26 - Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 6 years 4 months at current residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $112,794.73 / 32.58 months PITI, meeting min required reserves of $6,730.48.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 54 mos. 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified FICO score of 783. Guidelines require 620. | |||||||||||||||||||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/2/2026: Received CDA supporting value. |
7/2/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 6 years 4 months at current residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $112,794.73 / 32.58 months PITI, meeting min required reserves of $6,730.48.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 54 mos. 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified FICO score of 783. Guidelines require 620. | |||||||||||||||||||||||||||||||||||||
| 4 | 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: Minimum credit score of 620 is required and borrowers score is 811
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $1,231,627.75 and guidelines require $4,742.42 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5 | 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 | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 754 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.89%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit.
CFCFS1750: High potential for increased earnings - Clayton Comments: Given the industry of the borrower’s employment and his position poses the possibility higher earning.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close Reserves $127,916.69. AUS requirement $26,977.30.
CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit report. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below maximum allowed guideline 90% LTV
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 195 consecutive months mortgage payment history exceeds guideline 24 month review.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8.5yrs tenure with current employer | |||||||||||||||||||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below maximum allowed guideline 90% LTV
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 195 consecutive months mortgage payment history exceeds guideline 24 month review.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8.5yrs tenure with current employer |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Documentation does not support qualifying income of $9,797 per month from XXX2024 W2 $29,900 /12 = $2,491.67/mo.2024 1120-S 50% owner $4,055 net - $18.50 meals /12 = $336.38/monthTotal $2,828.05/month.Additional W2s are in the file. Provide additional income docs to support $9,797/month lender income calculated. |
6/30/2026: Income docs received were in the file at initial review. Nothing support $9,797/month net income. B1 1120S income/ W2 income for XXX is $2,828.05/month.7/9/2026: Lender rebuttal stating 24 month average is valid as multiple W2s were included in the business. Clayton disagrees. Based on the 2024 W2s provided, the total received is $116,194. The 2024 K1 for B1 shows $44,046 W2 income received. Need source and verification of continued employment of the W2s not involved in the business and verify which W2s were included. In 2024 B1 is 50% owner of XXX receiving $65K W2. 2025 W2 shows $29,900 received, which is less income. No changes made.7/10/2026: Lender rebuttal. Without 2025 filed returns, the docs provided are not indicative of the performance in 2025. Clayton disagrees. Clayton re-evaluated income: Verified $5,753.05/month for 1120-S business and $4,042.71/month for additional W2 income. DTI is now 43.98%. Lender verified 44%. |
6/30/2026: Exception remains.7/9/2026: Exception remains.7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 739 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Income/ Employment |
Active | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/ funding |
No | 7/10/2026: Exception added after review of trailing docs: Provide Funding VVOE for the following employers: XXX,XXX, XXX |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 739 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines |
No | Missing Freddie Mac Form 91 or equivalent. |
6/30/2026: Received Lender income calcs. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 739 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File |
No | Documentation does not support qualifying income of $9,797 per month from XXX2024 W2 $29,900 /12 = $2,491.67/mo.2024 1120-S 50% owner $4,055 net - $18.50 meals /12 = $336.38/monthTotal $2,828.05/month.Additional W2s are in the file. Provide additional income docs to support $9,797/month lender income calculated. |
6/30/2026: Income docs received were in the file at initial review. Nothing support $9,797/month net income. B1 1120S income/ W2 income for XXX is $2,828.05/month.7/9/2026: Lender rebuttal stating 24 month average is valid as multiple W2s were included in the business. Clayton disagrees. Based on the 2024 W2s provided, the total received is $116,194. The 2024 K1 for B1 shows $44,046 W2 income received. Need source and verification of continued employment of the W2s not involved in the business and verify which W2s were included. In 2024 B1 is 50% owner of XXX receiving $65K W2. 2025 W2 shows $29,900 received, which is less income. No changes made.7/10/2026: Lender rebuttal. Without 2025 filed returns, the docs provided are not indicative of the performance in 2025. Clayton disagrees. XXX went from $65,000 in 2024 W2 to $29,900 in 2025 W2. The other W2s need to verified included with the business XXX Or provide VVOEs for XXX, XXX, XXX and XXX - to use the income from these employers. WVOEs are in the file dated 3/11/2026 and W2s are in the borrower’s name, not business name. Additionally, XXX shows Inactive on WVOE. Need verification to tie the additional W2s to the business as the totals for 2024 W2s do not match what is claimed on 2024 1120-s.7/10/2026: Lender rebuttal. Without 2025 filed returns, the docs provided are not indicative of the performance in 2025. Clayton disagrees. Clayton re-evaluated income: Verified $5,753.05/month for 1120-S business and $4,042.71/month for additional W2 income. DTI is now 43.98%. Lender verified 44%. |
6/30/2026: Exception remains.7/9/2026: Exception remains.7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 739 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 1217 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
6/19/2026: Received BPO supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at current employer for over 5 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: the borrower’s credit score of 781 exceeds minimum guideline requirement | |||||||||||||||||||||||||||||||||||||
| 1217 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/19/2026: Received BPO supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at current employer for over 5 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: the borrower’s credit score of 781 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History |
Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) |
No | Missing payment history for mortgage identified on DU findings #15 not shown on credit report. |
7/9/2026: Received proof B1 is not on mortgage. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 25.50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $211,730.36 / 41.39 months PITIA > min required of $40,859.28. | |||||||||||||||||||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing verbal verification of employment for borrower 2 dated no more than 10 business days prior to the note date. Per documentation in file borrower returned to work 3/19/26. |
7/9/2026: Received verification returned to work 3/19/2026. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 25.50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $211,730.36 / 41.39 months PITIA > min required of $40,859.28. | |||||||||||||||||||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Missing 200-day moving average stock price for other stock award income in the amount of $2,808.78 used to qualify. Guidelines require 200-day moving average stock price (for income paid in shares). |
7/13/2026: Received 200-day price. Verified $2,340.40/month RSU income. DTI is 42.85%, within tolerance of lender. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 25.50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $211,730.36 / 41.39 months PITIA > min required of $40,859.28. | |||||||||||||||||||||||||||||||||||||
| 17 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $178,871.14 or 102.17 months of P&I > min required of $23,913.03
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 exceeds guidelines minimum FICO is 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.67; guidelines allow 80%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 45.09% is below guideline maximum 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $17,670.32 or 7.86 months of P&I, required reserves $13,193.02.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI is 39.92%, guidelines allow a maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 764 FICO score. Minimum required 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History |
Active | B | B | B | B | CRDCRMH123 | No evidence of required debt payoff |
No | Missing documentation to support the omission of XXX #XXX . 1003 indicates a new account was opened with XXX loan #XXX. Missing documentation to verify the PITIA. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.40%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $194,037.19 / 78.29 months PITIA > min required of $17,980.78.
CFCFS1744: DTI 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 26 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Missing the documentation supporting ongoing IRA distribution payouts in the amount of $16,667 per month. Asset statement does not support current distribution level. LP requires sufficient documentation |
6/30/2026: Received XXX#XXX 1/31/2026 stmnt showing $16,667 distribution, $12,500 net to personal account. 36 months continuance verified. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 127 consecutive months mortgage payment history exceeds 24 month guideline review
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 808 Median Credit Score, Oldest Trade 7/1983, 1% credit usage
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below maximum allowed guideline maximum LTV of 90% | |||||||||||||||||||||||||||||||||||||
| 26 | XXXXXX | XXXXXX | FL | 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 | CRDINC3204 | Income Documentation Missing |
No | Missing the documentation supporting ongoing IRA distribution payouts in the amount of $16,667 per month. Asset statement does not support current distribution level. LP requires sufficient documentation |
6/30/2026: Received XXX#XXX 1/31/2026 stmnt showing $16,667 distribution, $12,500 net to personal account. 36 months continuance verified. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 127 consecutive months mortgage payment history exceeds 24 month guideline review
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 808 Median Credit Score, Oldest Trade 7/1983, 1% credit usage
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below maximum allowed guideline maximum LTV of 90% | |||||||||||||||||||||||||||||||||||||
| 26 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA/CU score >2.5. Clayton to obtain a desk review |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 127 consecutive months mortgage payment history exceeds 24 month guideline review
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 808 Median Credit Score, Oldest Trade 7/1983, 1% credit usage
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below maximum allowed guideline maximum LTV of 90% | |||||||||||||||||||||||||||||||||||||
| 27 | 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: Good credit history with no late pay/derog line items. 754 median credit score, oldest trade 8/2017
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 2.33yrs tenure with current employer. 5.5yrs in line of work
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 66 consecutive months mortgage payment history exceeds guideline 12 month credit review | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 28 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | DU returned 2.6 score. Clayton to order Desk Review. |
6/30/2026: CDA received supports appraised value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $223,766.61 / 107.58 months PITIA > min required of $12,479.51.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.79% | |||||||||||||||||||||||||||||||||||||
| 29 | XXXXXX | XXXXXX | CA | 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 | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
Yes | Ten percent tolerance fail of $564.40 due to Title Insurance Title Endorsement, Escrow Service and Recording Service fee increased on CD issued 4/3/26 and 4/17/2026 with no/invalid COC in file. Provide COC reflecting valid reason for the fee changes within 3 business days of change -OR- PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking, within 60 days of consummation. XXX was listed on the Service Provider List and used for these services, but these fees remained in Section C Services Borrower Did Shop for. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $80,555.29 / 32.89 months PITIA > min required of $28,254.12. |
| 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 32 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX at the same company over 31 years
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current residence for 17 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $205,451.22 or 94.63 months PITI reserves. Required reserves $57,839.76
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 783. Minimum score required620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Credit/ Mtg History |
Active | C | C | C | C | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
Yes | Missing proof of no HOA fees due for the following REO’s: (1) XXX and (2) XXX Per independent verification, it appears both properties have HOA fees due. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 787 is 167 points above the 620 required.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of 11.93%. | |||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: Retirement assets = $85,493.73 using 60% = $51,296.24$21,074.93 reserves required.
CFCFS2854: Significant time in profession - Clayton Comments: 16 years 11 months in profession.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 score exceeds the 620 minimum required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 36 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete |
No | Prelim Title report in file reflects $473k coverage the note amount is $XXX. |
6/30/2026: Received short form final title with $XXX coverage & DOT. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 797 is 177 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $5,889,727.60/1,768.68 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 340 months. | |||||||||||||||||||||||||||||||||||||
| 36 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 797 is 177 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $5,889,727.60/1,768.68 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 340 months. | |||||||||||||||||||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing evidence of hazard for investment at XXX supporting monthly premium 266.68/annual premium $3,200.16. |
6/30/2026: Docs received are for another loan.7/9/2026: Received HOI for REO, vacant Building. Annual premium is $4,338.50 /12 = $361.54/mo |
6/30/2026: Exception remains.7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years 10 months at current job.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 35 years 1 month at current 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 43 | 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: Post close reserves verified at $557,555.75, required reserves are $43,916.86.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 804, minimum required is 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17 years with current employer. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 48 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 21+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 49 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years at current profession.
CFCFS2860: Good credit history - Clayton Comments: Good overall credit history. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 50 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.62%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $37,490.33 / 16.27 months PITIA > min required of $17,854.43. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Credit | Income/ Employment |
Active | D | D | D | D | CRDINC3204 | Income Documentation Missing |
Yes | Provide the rental agreement/ 1040s for REO XXX to verify net rent of $2,175/month as noted on Final 1003. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post-Closing Reserves $57,402.69 > AUS requirement of $28,353.81
CFCFS1737: LTV below guideline requirements - Clayton Comments: 72% LTV < program maximum of 75%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 fico > program minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post-Closing Reserves $57,402.69 > AUS requirement of $28,353.81
CFCFS1737: LTV below guideline requirements - Clayton Comments: 72% LTV < program maximum of 75%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/ accounted for at origination |
No | Homeowners insurance for XXX show second mortgagee XXX XXX not reporting on credit report. |
6/19/2026: Received PDR showing REO has a first lien only. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1741:
Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Property taxes for current residence at XXXr not provided. |
6/19/2026: Received PDR showing $12,075.72 annual taxes. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1741:
Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Potential Misrepresentation |
Satisfied | C | A | C | A | CRDPMR147 | Review indicates possible misrepresentation |
No | Owner of record per title commitment is Land Trust XXX. Evidence required that sellers are authorized to sell property in name of trust. |
7/20/2026: Received updated Title showing borrower and spouse as vested. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1741:
Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is not provided. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1741:
Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Property | Satisfied | C | A | C | A | PRVAPROP179 | Condition of Subject Below Average |
No | Condition is listed as below average with no qualify rating on appraisal. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1741:
Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 59 | 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 CFCFS1736: Significant time at current
residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 809 Guidelines allow 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 109,498.37 or 36.09 months of PITIAReserves Required per AUS = $ 17,170.29
CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 8 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $365,932.16 / 216.02 months PITIA > min required of $18,323.17. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 65 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing verification of PITI for XXX property with XXX and property taxes. |
7/10/2026: Received LE showing $XXX P&I and $573 for taxes, HOI, HOA. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $540,259.93 month > reserve requirement $141,658.21.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 mid score > min required of 620.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10+ years at same employer. | |||||||||||||||||||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | HI | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $316,571.19 / 57.05 months PITIA > min required of $36,218.07. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 26.42%
| ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5 or missing. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 8 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 762. Minimum score required 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 67.39. Max LTV 75%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $518,786.97 or 22.885 months PITI reserves. Required reserves $12,964.10 | |||||||||||||||||||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing documentation to perform rental income cash flow analysis adding back schedule E line 19 expense item. If amount is ineligible to add back, DTI exceeds 3% tolerance increase and requires resubmission to AUS. |
7/9/2026: Received LOX that Line 19 is HOA. After further review, Clayton agrees. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $208,085.09 / 95.09 months PITIA > min required of $18,830.11.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.64% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History |
Satisfied | B | A | B | A | CRDCRMH123 | No evidence of required debt payoff |
No | XXX/XXX was omitted from underwriting. Missing documentation to support the omission. |
7/9/2026: Received verification loan did not close. Updated 1003, 1008 and AUS provided. DTI is within tolerance of lender. DTI is based on XXX XXX. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $208,085.09 / 95.09 months PITIA > min required of $18,830.11.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.64% | |||||||||||||||||||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History |
Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) |
No | Missing VOM for mortgage not shown on credit report but matched to REO on the loan application. Verify payment history for XXX$1,801.39 /$285,000. |
7/9/2026: Received verification loan did not close. Updated 1003, 1008 and AUS provided. DTI is within tolerance of lender. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $208,085.09 / 95.09 months PITIA > min required of $18,830.11.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.64% | |||||||||||||||||||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File |
No | Missing documentation to support adding back schedule E line 19 expense to rental income cash flow analysis. If amount is ineligible to add back, DTI exceeds tolerance increase and requires resubmission to AUS. |
7/9/2026: Received LOX that Line 19 is HOA. After further review, Clayton agrees. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $208,085.09 / 95.09 months PITIA > min required of $18,830.11.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.64% | |||||||||||||||||||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | MA | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance |
No | Missing condominimum master policy to verify dwelling coverage. |
7/6/2026: Received Condo HOI, includes walls-in. |
7/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $208,085.09 / 95.09 months PITIA > min required of $18,830.11.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.64% | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | KS | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Provide LOX and documentation for recurring payment of $3,420.02 for XXX ACH Student Payment made 1/23/2026, $3,432.31 to Student payment 2/10/2026, $3,483.79 to Student payment 3/4/2026 from XXX #XXX. If an installment debt, must be included in DTI and AUS re-run with the higher DTI. |
7/17/2026: Received LOX. Borrower makes tuition payments for nephew. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers have a qualifying credit score of 802.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $48,891.56 available in reserves; $25,161.60 in reserves required by DU.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Subject loan has a low DTI of 20.88%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 4/1/2016. | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | KS | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation: CU score not available. Clayton to order desk review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers have a qualifying credit score of 802.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $48,891.56 available in reserves; $25,161.60 in reserves required by DU.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Subject loan has a low DTI of 20.88%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 4/1/2016. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH117 | Length of credit history in file does not meet guideline requirement |
No | 12 months verification of rent is missing |
7/9/2026: Received six months VOR history as required by DU. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.21 is below maximum required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 812 exceeds minimum score required
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $122,584.06 or 17.52 months of PITI reserves.
| |||||||||||||||||||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) |
No | Missing document to support current rent and rental history |
7/9/2026: Received six months VOR history as required by DU. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.21 is below maximum required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 812 exceeds minimum score required
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $122,584.06 or 17.52 months of PITI reserves. | |||||||||||||||||||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $96,983.80 or 30.97 months of PITIA, Required reserves are $17,430.10.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17+ years at current job.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 16.17% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 84 | XXXXXX | XXXXXX | AL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above program minimum requirement of 620. CFCFS1737: LTV below guideline requirements
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $198,858.46 or 62.36 PITIA | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 85 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.31%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.34% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 802 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.92% below guideline max of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $26,971.46 in verified assets is sufficient to cover required reserves $16,417.75. |
| 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 12 years and 2 months in current profession.
CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time at current residence - Clayton Comments: 7 years and 8 months in current residence. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 93 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36% DTI below guidelines, max DTI 45%
CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 94 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.15% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.59%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 94 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.15% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.59%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 94 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 6/16/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Report 2055 Exterior- only. |
6/19/2026: Received Report 2055 supporting value. |
6/19/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.15% is below guideline maximum 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.59%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $118,475.06; required cash to close $84,297.28; verified post close reserves of $34,177.78 or 12.60 months; required reserves of $17,280.56.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80% which is < the maximum LTV of 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 816 is 196 points above program minimum 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Please provide 12 months banks statements to support the omission of the mortgage for XXX that has been excluded from ratios and omitted for AUS approval. |
7/9/2026: Received proof third pays XXX 3/2025-3/2026. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 791 FICO score. Minimum required 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing Third party verification that Borrower’s business exists for XXX borrower. |
7/9/2026: Received verification business is active since 1/13/2004. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 791 FICO score. Minimum required 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||||||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score >2.5. Clayton to order a desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5.5yrs tenure with current employer
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline maximum of 85%
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 780 Median Credit Score, Oldest Trade 5/2011 | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,078,116.92 / 551.03 months PITI > min required of $17,753.02.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has83+ months of current mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1218 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Credit | DTI | Active | C | C | C | C | CRDDTI187 | Debt Ratio > 50% |
Yes | Per FHLMC guidelines Asset depletion income of $1,233.33 per month used to qualify is not allowed on investment properties. Asset depletion income is only allowed on primary and secondary residences. Without use of the income DTI increases to 55.15%. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history shows 0x30 since 7/2023.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $45,047.75, required reserves are $27,150.46.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 747, minimum required score 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1218 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No score established. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history shows 0x30 since 7/2023.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves verified at $45,047.75, required reserves are $27,150.46.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 747, minimum required score is 620. | |||||||||||||||||||||||||||||||||||||
| 118 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation to support original appraised value |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $96,229.99- $16,469.03 required reserves = $79,760.96/$5,670.12 PITI for all 3 properties = 14.07 additional months reserves on all 3 properties. | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Assets | Active | C | C | C | C | CRDAST207 | Assets Are Unreasonable |
Yes | The balances on XXX#XXX 2/13/2026 bank statements show separate balances of $12,282.80 and $172,282.80 with no supporting documentation to address the discrepancy. The statements do not conform to known standards for the financial institution in question. Page 330 and 328 show different beginning and ending balances, with the same amount deposited and withdrawn. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.05%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has secondary income in the amount of $20,000 per month that was not used to qualify. | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits |
No | Missing source of deposit in the amount of $59,148 on 3/3/26. Guidelines require lender to document any deposit that exceeds $10,665.82 (which is 50% of the total income provided on the loan application) that is used for the down payment, closing costs, or financial reserves are from an acceptable source. |
7/9/2026: Received docs showing XXX for $59,148 deposit. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.05%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has secondary income in the amount of $20,000 per month that was not used to qualify. | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing verbal VOE from current employer. The verification in file is not for the employer listed on the application. |
7/9/2026: Received 4/6/2026 VVOE. Page three verifies XXX is client Partner. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.05%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has secondary income in the amount of $20,000 per month that was not used to qualify. | |||||||||||||||||||||||||||||||||||||
| 128 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing evidence of CU Score; Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x168
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 3.45 months PITI above guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is >2.24 points below guideline maximum
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x180
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 179 points above 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing verbal verification of employment as required by AUS. The LES’s are illegible. Once provided, it will clear this exception. |
6/30/2026: Received 2/28/2026 LES. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 33.36% is 11.64% below the 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 786 is 166 points above the 620 required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years 4 months at current job. | |||||||||||||||||||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Leave and earnings statements were illegible to verify the XXX entitlements (housing allowance and rations). |
6/30/2026: Received 2/28/2026 LES. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 33.36% is 11.64% below the 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 786 is 166 points above the 620 required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years 4 months at current job. | |||||||||||||||||||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 33.36% is 11.64% below the 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 786 is 166 points above the 620 required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years 4 months at current job. | |||||||||||||||||||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 exceeds minimum required of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 13.71% is less than the max of 45 %.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $172,842.41 exceed required reserves $17,503.79.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is less than the max of 85%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 135 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 41+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 720 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 135 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 41+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 720 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 140 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269: Minimal use of credit | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score due to property type. Clayton to order Desk Review. |
7/2/2026: Received CDA supporting value. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735:
Co-Borrower has significant time at current job
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines
CFCFS1731:
Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 144 | 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
CFCFS1741: Credit score exceeds
guidelines
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Credit | Assets | Active | D | D | D | D | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
Yes | Missing 2 months bank statements for XXX #XXX. DU requires 2 months statements. File contains 1 month statement dated 3/31/2026. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269: Minimal use of credit
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing 2996 Overall verification of HOA dues. Missing all PITIA documents for XXX |
7/9/2026: Received verification no HOA on 2996 Overall. PITI info on XXX- Reported on XXX form 8825 |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854:
Significant time in profession
CFCFS1741: Credit score exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 165 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Missing Seller CD. |
7/6/26 - Lender provided Seller CD. |
7/6/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 165 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3706 | TRID - Curable Issue #1 related to the Closing Disclosure in file |
No | Missing Consummation CD. |
7/6/26 - Lender provided Final CD dated XXX. |
7/6/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1741: Credit score
exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1741: Credit score
exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 168 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit
score exceeds guidelines
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1736: Significant time at current residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 169 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score - Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269: Minimal use of credit
CFCFS1742: Consumer credit history exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | Title reflects CC&R’s.. PUD rider attached to mortgage. Appraisal does not reflect subject as PUD and no HOA fees listed. |
7/15/2026: Received corrected appraisal. Attached PUD. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1750: High potential for increased earnings
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LP LCA reflecting risk could not be assessed. Clayton to order Desk Review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1750: High potential for increased earnings
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 171 | 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 | CFCFS1735:
Co-Borrower has significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2854: Significant time in profession | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 174 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit
CFCFS1731:
Verified cash reserves exceed guidelines
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1744: DTI below guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | OK | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI is 30%; Maximum is 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 183 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash
reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement
CFCFS1741: Credit score exceeds
guidelines
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS2860: Good credit
history
CFCFS1736:
Significant time at current residence | |||||||||||||||||||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS2860: Good credit history
CFCFS1736: Significant time at current residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1744: DTI below guideline requirement
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order PIW. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269: Minimal use of credit
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1744: DTI below guideline
requirement
CFCFS1741: Credit score exceeds guidelines
CFCFS2854: Significant time in profession
CFCFS1740: Mortgage payment history exceeds guidelines
| |||||||||||||||||||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order PIW. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269: Minimal use of credit
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1744: DTI below guideline
requirement
CFCFS1741: Credit score exceeds guidelines
CFCFS2854: Significant time in profession
CFCFS1740: Mortgage payment history exceeds guidelines
| |||||||||||||||||||||||||||||||||||||
| 198 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2854: Significant time in profession
CFCFS1736: Significant time at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 200 | 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 | CFCFS1734: Borrower has significant time at current
job
CFCFS1737: LTV below guideline requirements
CFCFS1736: Significant time at current residence
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | HI | 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 | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) |
No | Missing disaster inspection, for FEMA disaster XXX effective XXX, declared XXX. Clayton to order PDI verifying no damage. |
6/16/2026: Received BPO with photos, no damage. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan approved with PIW. Clayton to order BPO |
6/19/2026: Received BPO. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1736: Significant time at current
residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/19/2026: Received BPO. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1736: Significant time at current residence | |||||||||||||||||||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 6/19/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Report 2055 Exterior-only. |
7/20/2026: Received 2055 Report supporting value. |
7/20/2026: Exception satsified. |
Not Applicable |
(No Data) | CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1736: Significant time at current residence | |||||||||||||||||||||||||||||||||||||
| 208 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Provide property taxes and HOA for all REOs on Final 1003: XXX, XXX |
7/9/2026: Received required docs for all REOs. |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements
CFCFS1741: Credit score exceeds
guidelines
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Need evidence of change of circumstances letter for Ten Percent tolerance, Recording Fees increase, or a copy of a refund check in the amount of $30.70. File does not contain Change of Circumstance for this transaction, file is co-mingled and contains COC’s for that transaction. |
7/7/26 - Lender provided LOX and a PCCD showing a principal reduction refund in the amount of $56.25. |
7/7/26 - Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has
significant time at current job
CFCFS1737: LTV below guideline requirements
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269: Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing evidence of tax amount for investments located at XXX and XXX |
7/7/2026: Received tax info for both REOs. |
7/7/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has
significant time at current job
CFCFS1737: LTV below guideline requirements
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269: Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Missing 2023 W2 for borrower 1 from XXX. |
7/9/2026: Received 2025/2024 W2. |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1737: LTV below guideline requirements
CFCFS5269: Minimal use of 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has
significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269: Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1736: Significant time at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1740: Mortgage payment history exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2860: Good credit history
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing the mortgage statement for the borrowers primary residence located at XXX |
7/10/2026: Received credit supp showing a VA loan - includes escrows as required. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines CFCFS5269: Minimal use of credit
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified
cash reserves exceed guidelines
| |||||||||||||||||||||||||||||||||||||
| 219 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: No CU score established. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below
guideline requirements
guidelines - Clayton Comments: Qualifying credit score 717.. Minimum requirement 620.
CFCFS5269: Minimal use of 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has
significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | MI | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | FNMA CU Score not assessed; Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1740:
Mortgage payment history exceeds guidelines
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
| |||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence
CFCFS1741: Credit score exceeds guidelines
CFCFS2854: Significant time in profession
CFCFS1731: Verified cash reserves exceed
guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 231 | XXXXXX | XXXXXX | MD | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU Score > 2.5. Clayton to order Desk Review. |
6/19/2026: Received CDA. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731:
Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 231 | XXXXXX | XXXXXX | MD | 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 | PRVAVALU5249 | Property Value Not Supported |
No | 6/19/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order Field Review. |
6/29/2026: Received Field Review supporting value. |
6/29/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731:
Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 233 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $3,370,758.99 or 556.05 PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.42%; guideline allows 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 802 is 182 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 773 exceeds guideline requirement of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments reporting within the last 60 months or more. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 237 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.20% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.500%. | |||||||||||||||||||||||||||||||||||||
| 237 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.20% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.500%. | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | D | A | D | D | D | D | D | D | D | A | D | D | Compliance | Ability to Repay/ Qualified Mortgage |
Active | D | D | D | D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
Yes | Missing documentation to support primary 1st lien payment of $3,216.00 is full PITI expense as qualified with. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 FICO > 620 product minimum CFCFS1739: Positive mortgage payment history - Clayton Comments: 62+ on time payments with no 0x30/60/90 lates CFCFS1744: DTI below guideline requirement - Clayton Comments: 29% DTI below 45% product maximum CFCFS1736: Significant time at current residence - Clayton Comments: 10+ years at current primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below product maximum 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $46561.41 verified cash reserves exceed $38999.38 required | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | D | A | D | D | D | D | D | D | D | A | D | D | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero tolerance due to added title charges without a valid COC; charges Lender Credits and Lender Paid Fees Aggregate ($1,493.02) and Title - Document Preparation Fee ($20.00) Total of $1,513.02; Requires a COC, or corrected PCCD, cop of refund check, LOX and verification of shipping. |
7/20/26 - Lender provided a Principal Reduction refund in the amount of $20 along with a corrected PCCD. |
7/20/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 FICO > 620 product minimum CFCFS1739: Positive mortgage payment history - Clayton Comments: 62+ on time payments with no 0x30/60/90 lates CFCFS1744: DTI below guideline requirement - Clayton Comments: 29% DTI below 45% product maximum CFCFS1736: Significant time at current residence - Clayton Comments: 10+ years at current primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below product maximum 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $46561.41 verified cash reserves exceed $38999.38 required | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | D | A | D | D | D | D | D | D | D | A | D | D | Credit | Legal Documents |
Active | D | D | D | D | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review |
Yes | Missing documentation to support primary 1st lien payment of $3,216.00 is full PITI expense as qualified with. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 FICO > 620 product minimum CFCFS1739: Positive mortgage payment history - Clayton Comments: 62+ on time payments with no 0x30/60/90 lates CFCFS1744: DTI below guideline requirement - Clayton Comments: 29% DTI below 45% product maximum CFCFS1736: Significant time at current residence - Clayton Comments: 10+ years at current primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below product maximum 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $46561.41 verified cash reserves exceed $38999.38 required | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | D | A | D | D | D | D | D | D | D | A | D | D | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score not provided. Clayton to order desk review. |
6/19/2026: CDA reviewed incorrect appraisal from 9/2024 with $XXX value. Most recent appraisal is dated 2/27/2026 with $XXX value. CDA needs correct appraisal reviewed.6/29/2026: Received correct CDA supporting value. |
6/19/2026: Exception remains.6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 FICO > 620 product minimum CFCFS1739: Positive mortgage payment history - Clayton Comments: 62+ on time payments with no 0x30/60/90 lates CFCFS1744: DTI below guideline requirement - Clayton Comments: 29% DTI below 45% product maximum CFCFS1736: Significant time at current residence - Clayton Comments: 10+ years at current primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below product maximum 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $46561.41 verified cash reserves exceed $38999.38 required | |||||||||||||||||||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit in the most recent 55 months. 0 x 30 in 55 months. CFCFS5269: Minimal use of credit - Clayton Comments: Low credit utilization ratio of 49.41%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 exceeds the minimum score required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Credit/Mtg History |
Satisfied | D | A | D | A | CRDCRMH2544 | Missing credit report used in the AUS analysis |
No | Missing credit report for B1 to validate debts used to qualify along with mortgage payment history for Primary Residence. |
6/30/2026: Received credit report. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $29,552.22; required $22,292.52 reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is below 70%; Maximum is 90% | |||||||||||||||||||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Risk score not assessed; Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $29,552.22; required $22,292.52 reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is below 70%; Maximum is 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | OR | 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 | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination |
No | MLO with NMLS search of ID XXX does not have authority to represent in the state of Washington, Oregon or Tennessee as reflected on 1003, Note and Deed of Trust. |
6/29/2026: Received docs to show LO was active at time loan closed. License is inactive as of 5/19/2026. |
6/29/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 56 mos. 0x30 and 16 mos. 0x30, CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 5 years 7 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 7 years 6 months at current job. | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | OR | 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 | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved. Clayton to order BPO. |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 56 mos. 0x30 and 16 mos. 0x30, CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 5 years 7 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 7 years 6 months at current job. | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 56 mos. 0x30 and 16 mos. 0x30, CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 5 years 7 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 7 years 6 months at current job. | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | OR | 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 |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 6/16/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Report 2055 Exterior-only. |
6/22/2026: Received Report 2055 supporting value. |
6/22/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 56 mos. 0x30 and 16 mos. 0x30, CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 5 years 7 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 7 years 6 months at current job. | |||||||||||||||||||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report |
No | Missing OFAC clearance for B1 & B2, XXX and XXX. |
6/23/2026: Received clear OFAC for both borrowers. |
6/23/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67%; guidelines allow 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $530,189.96 or 130.71 months PITIA. Required Reserves $33,164.38 per LP approval. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 388 months credit history. | |||||||||||||||||||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
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 | CRDCRMH2544 | Missing credit report used in the AUS analysis |
No | Missing Credit report for XXX and XXX reference ID XXX |
6/30/2026: Credit report received is for B3/B4, in original PDF. Still need credit report for B1/B2.7/6/2026: Received B1/B2 credit report. |
6/30/2026: Exception remains.7/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67%; guidelines allow 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $530,189.96 or 130.71 months PITIA. Required Reserves $33,164.38 per LP approval. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 388 months credit history. | |||||||||||||||||||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing verification of some or all components of non-subject PITI - XXX, missing hazard evidence.XXX missing mortgage statement 1st and 2nd lien. |
7/6/2026: Received all required docs. DTI is now 45.66%. Lender DTI is 49%. |
7/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67%; guidelines allow 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $530,189.96 or 130.71 months PITIA. Required Reserves $33,164.38 per LP approval. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 388 months credit 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | #1 - Missing the Mortgage Statement for the primary Residence to ensure Taxes and insurance are escrowed in the monthly payment #2 - Missing evidence of HOA for both the primary residence and the remaining rental property. |
6/19/2026: Received XXX mtg stmnt showing $XXX PITI and Clayton verified no HOA on primary. Only other REO is the subject. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $29,159.17. No funds required at closing. Reserves = $22,395.23 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 exceeds minimum fico of 660 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 18 years on current job | |||||||||||||||||||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $29,159.17. No funds required at closing. Reserves = $22,395.23 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 exceeds minimum fico of 660 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 18 years on current job | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Compliance | Ability to Repay/ Qualified Mortgage |
Active | C | C | C | C | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
Yes | Loan exceeds max fees allowed 3% to meet QM. Actual fees are 3.25%. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
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 | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
Yes | Transfer taxes increased from $0 to $3,643.11 without proper redisclose, CompEase report reflects tolerance failure, as well. No cure is on file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing |
No | Exception fired due to missing Initial CD - no change of product or feature was made without proper disclosure. |
7/6/26 - Lender provided initial CD. |
7/6/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Unable to determine accurate waiting period due to missing Initial CD. |
7/6/26 - Lender provided initial CD. |
7/6/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD |
No | Missing Initial CD disclosed to borrower and received on 04/09 according to CompEase disclosure records. |
7/6/26 - Lender provided initial CD. |
7/6/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 728 exceeds guidelines with a minimum credit score of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below guideline requirement at 32.71% with a max DTI of 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 11 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/QM: Exempt |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $259,130.55 / 102.51 months PITI > min required reserves of $17,415.31. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in current profession CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.27% | |||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in current profession CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.27% | |||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supports appraised value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post Close Assets are $996,307.32 or 367.52 months PITI. Required PITI Reserves $0 per AUS CFCFS1739: Positive mortgage payment history - Clayton Comments: 84 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 16 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $27,229.40 or 11.03 months PITI reserves, LP required $19,207.70 in reserves to be verified. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.38% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.60%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Appraisal form 1025. LCA not available. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 734 FICO score. Minimum required 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,285.33 or 10.34 months of PITI | |||||||||||||||||||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: bonus income not used to qualify CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 fico score exceeds guidelines 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max dti 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Provide 1 month statement of XXX#XXXsupporting assets of $82,473.84. |
6/30/2026: Received 2/28/2026 XXX stmnt. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.15 is less than the max of 45. | |||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | IN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower’s credit score of 787 exceeds the minimum requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $235,188.52 or 76.75 months of PITI. Required reserves are $18,041.76. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower’s LTV of 75% is less than the max allowed of 85%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the primary residence 9.17 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | UCDP/ LCA report is greater than 2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review. |
6/19/2026: CDA reviewed incorrect appraisal from XXX with $XXX value. Most recent appraisal is dated XXX with $XXXK value. CDA to be corrected.6/29/2026: Received correct CDA supporting value. |
6/19/2026: Exception remains.6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history 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 @ 5.98%. | |||||||||||||||||||||||||||||||||||||
| 263 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0% CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $40,112.54 / 14.72 months PITIA > min required of $16,348.98. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero tolerance of $63.35 due to Discount Point fee increased with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. |
6/29/26 - Lender provided COC showing discount points increase. |
6/29/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 Years at Current Residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 Years in Current Profession | |||||||||||||||||||||||||||||||||||||
| 265 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 6 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX for 9 years and 4 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated valuation, subject property is a 2 family with no CU scores. Clayton to order desk review. |
6/17/2026: CDA received reviewed 1025 from 9/2022. CC to review appraisal for XXX $XXX value on page 284 of PDF.6/22/2026: Received CDA supporting value. |
6/17/2026: Exception remains.6/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 30 in 84 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 15 years and 4 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 18 years and 8 months. | |||||||||||||||||||||||||||||||||||||
| 269 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order Desk Review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $96,515.43 > Reserves required $22,225.68 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.85%; guidelines allow 85%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 279 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have70 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved, Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | B | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Ten percent tolerance fail of $5.00. Due to recording fee increased on final CD issued XXX with no/invalid COC in file. Provide COC reflecting valid reason for the fee changes within 3 business days of change -OR- PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking, within 60 days of consummation. |
7/20/26 - lender provided a principal reduction refund for $5.00. |
7/20/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 median FICO score. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | B | C | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Lender to provide QM determination. |
7/9/2026: Received Compliance Ease but does not verify QM determination of Safe Harbor or Rebuttable Presumption.7/20/2026: Received SH status. |
7/9/2026: Exception remains.7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 median FICO score. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | B | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
6/17/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 median FICO score. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | B | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/17/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 median FICO score. 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | B | C | B | Property Valuations |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration date 5/29/2026 and AUS approval 5/5/2026. PDI to be ordered by Clayton. |
6/10/2026: Lender acknowledges Level 2 Exception, public only. |
6/10/2026: Exception waived non-material. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 755 median FICO score. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS1744: DTI below guideline requirement
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS1744: DTI below guideline requirement
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 274 | XXXXXX | XXXXXX | DC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | 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 | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Updated AUS required to correct occupancy to 2nd home. All documentation in file supports subject is a second home. DU AUS in file reflects occupancy as investment property. DU recommendation to remain Approve/ Eligible. |
10/21/2025: Lender LOX stating loan closed as an Investor. 1. The Mortgage for this transaction has a 2nd Home Rider signed and checked. If this is an Investment, a new Mortgage with 1-4 Family Rider and verification re-recorded is required.2. Per borrower LOX on page 321 of the PDF, this loan is a 2nd home.No changes made.4/20/2026: Received re-recorded Mortgage with 1-4 Family Rider for Investment Occ. System updated. TRID remained. |
10/21/2025: Exception remains.4/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit
CFCFS1741: Credit score
exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 275 | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU score > 2.5. Clayton to order desk review. |
10/17/2025: CDA provided supports appraised value. |
10/17/2025: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal
use of credit
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 277 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 26 DTI, Max DTI is 45%,
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1128314.21 or 172.52 months of P&I | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 2 years 11 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: The HCLTV is 66.96% and guidelines allow the HCLTV to be 75% | |||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing 3rd party support documentation for the PITI payment on XXX which the 1003 states the borrower had owned for 1 month and it is not reporting to the credit bureau. There is an appraisal from 12/2025 for this REO indicating a 2 unit property and both units are rented. |
7/1/2026: Received XXX mtg stmnt showing $3,105.33 PITI. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 2 years 11 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: The HCLTV is 66.96% and guidelines allow the HCLTV to be 75% | |||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is > n/a. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 2 years 11 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: The HCLTV is 66.96% and guidelines allow the HCLTV to be 75% | |||||||||||||||||||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | AR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $25,569.84 - $7,430.64 required reserves = $18,139.20/$1,855.05 PITI on all properties = 9.78 additional months reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 Credit score exceeds minimum required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Revolving credit line use at 26%, 74% available | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 285 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is < the maximum LTV of 85%.
CFCFS1736: Significant time at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 809 is > the minimum credit score of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.73% DTI is below DU AUS approval of 45.31%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 credit score exceed guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is below guideline maximum of 85% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: No derogatory information reflected on the credit profile. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 290 | XXXXXX | XXXXXX | ME | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/CU score due to property type. Clayton to order Desk Review. |
6/23/2026: Received CDA supporting value. |
6/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.28% is below guideline maximum 50% CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @5.59% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $69,717.60 or 31.78 months of PITI | |||||||||||||||||||||||||||||||||||||
| 291 | XXXXXX | XXXXXX | FL | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $40.00 due to Appraisal Fee increased from LE XXX to Final CD XXX. Missing a valid Change Circumstances, or Post Close CD, LOX and copy of refund check to borrower. Provide COC reflecting valid reason for the fee changes within 3 business days of change -OR- PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking, within 60 days of consummation |
6/7/2026: File has 5/18/2026 PCCD, LOX, $40 check to borrower and proof sent XXX |
6/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.87% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 111 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have76 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $14,012.73 > min required reserves of $10,121.46 | |||||||||||||||||||||||||||||||||||||
| 291 | XXXXXX | XXXXXX | FL | 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 | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws |
No | Provide fully executed Authorization for XXX HELOC #XXX , to be closed to future draws. |
7.20.2026 Lender provided pccd With required payoff |
7.20.2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.87% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 111 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have76 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $14,012.73 > min required reserves of $10,121.46 | |||||||||||||||||||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | GA | 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 | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Significant decline in income from 2023 to 2024 was not addressed and income stability not documented. |
6/5/2026: Received 2025 1120, using as P&L. Shows an increase in income to $83,140.75/month net. 2025/2024 avg yields $45,905.92/mo net. Using income total from initial review. |
6/5/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15+ years at current business. CFCFS1736: Significant time at current residence - Clayton Comments: 28 years at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | GA | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR5081 | Insurance Policy missing required endorsements |
No | Missing verification of borrower’s insurance premium for subject property, XXX |
4/8/2026: Received HOI for subject. |
4/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15+ years at current business.
CFCFS1736: Significant time at current residence - Clayton Comments: 28 years at primary residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | GA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU Score > than 2.5 Clayton to order desk review. |
4/07/2026: CDA provided supports appraised value. |
4/07/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15+ years at current business.
CFCFS1736: Significant time at current residence - Clayton Comments: 28 years at primary residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 12 years and 6 months in current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 Credit score exceeds minimum required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.10% is below 80% LTV
CFCFS2854: Significant time in profession - Clayton Comments: 34 years and 0 months in current profession. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1216 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete |
No | The security instrument/ Mortgage, which is provided on an IL form, displays this purchased WI property as an IL property in the Transfer of Rights in the Property section on page 4 of 20. The attached Legal Description/ Exhibit A and the Note reflects this correctly as a WI property |
7/15/2026: Received Correction Instrument showing WI. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 45 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 825 exceeds the min requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 80% is below the max allowed of 85%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,407,477.01 or 512.79 months of PITI.Required reserves are $16,468.32. | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Title commitment dated 1/28/2026 reflects the proposed amount of insurance as $187,500; Note and Mortgage reflects the loan amount of $XXX . |
7/15/2026: Received Final Title showing $195K coverage. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.62% is < the maximum DTI of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $45,334.43; required cash to close $0.00; verified reserves of $45,334.43 or 26.90 months; required reserves $16,882.04.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 670 is > the minimum credit score of 620.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current primary residence for 13 years. | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.62% is < the maximum DTI of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $45,334.43; required cash to close $0.00; verified reserves of $45,334.43 or 26.90 months; required reserves $16,882.04.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 670 is > the minimum credit score of 620.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current primary residence for 13 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Missing the most recent K1 for XXX to confirm B1 has < 25% ownership percentage. Borrower qualified as W2 employee of the company however same company is shown on Schedule E. |
7/6/2026: Received 2024/2023 K1s. <1% owner. |
7/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $346,521.88 / 133.29 months PITI > min required of $69,869.76.
CFCFS1744: DTI below guideline requirement
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines 0.95@ %
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | PA | 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 | CRDINC3204 | Income Documentation Missing |
No | Missing the most recent K1 for XXX to confirm B1 has < 25% ownership percentage. Borrower qualified as W2 employee of the company however same company is shown on Schedule E. |
7/6/2026: Received 2024/2023 K1s. <1% owner. |
7/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $346,521.88 / 133.29 months PITI > min required of $69,869.76.
CFCFS1744: DTI below guideline requirement
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines 0.95@ %
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score not established. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $346,521.88 / 133.29 months PITI > min required of $69,869.76.
CFCFS1744: DTI below guideline requirement
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines 0.95@ %
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score due to property type. Clayton to order Desk Review. |
6/22/2026: Received CDA supporting value. |
6/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $69,655.98 / 33.67 months PITI, meeting min required reserves of $12,410.94.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified FICO score of 776. Minimum required is 620. | |||||||||||||||||||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (5)) score is >2.5. Clayton to order desk review. |
6/22/2026: Received CDA supporting value. |
6/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has retained stable and consistent employment with current employer for 33 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per VVOE, the co borrower has been with the current employer since 12/2016.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 763 FICO score. Minimum required 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. | |||||||||||||||||||||||||||||||||||||
| 308 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $215 zero tolerance due to added Appraisal recertification fee without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
05.18.2026 - Missing COC and LE provided |
05.18.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum credit score required is 620, borrower’s credit score is 788.
CFCFS1744: DTI below guideline requirement |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/ CD was not timely disclosed; insufficient credit or refund provided $474.70, due to amount went over $388.70 |
06.15.2026 - Cure provided via check, LOX PCCD and proof of delivery. |
06.15.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 12 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 756 is 136 points above program guideline minimum of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 6 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.41% DTI is below guideline requirement of 49.99%. | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | UCDP-SSR in file returned no CU Score to support appraised value. Clayton to order desk review |
5/15/2026: Received CDA supporting value. |
5/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 12 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 756 is 136 points above program guideline minimum of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 6 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.41% DTI is below guideline requirement of 49.99%. | |||||||||||||||||||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score 3.1 > 2.5. Clayton to order desk review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30+ years at current primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 12+ years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $300,000.99 verified cash exceeds guideline required $27699.33
CFCFS1744:
DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 315 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Please provide simultaneous closing disclosure for reflecting PITI for $XXX, for property located at: XXX |
6/30/2026: Received Final CD to show $1,950.59 PITIA. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #98 months, Credit usage 24.37% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 739 exceeds minimum of Freddie Mac Inv 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #11 years | |||||||||||||||||||||||||||||||||||||
| 1221 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Provide updated AUS reflecting property type as Detached PUD, as per appraisal report in file. |
7/2/2026: Received appraisal corrected to SFR. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below 85% guidelines maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 808 FICO score exceeds minimum required 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $104,413.43 exceed required DU reserves $25,473.92. | |||||||||||||||||||||||||||||||||||||
| 325 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (No accessed) score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #182 months, Credit ratio 2.52% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 808 exceeds minimum of 660 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 327 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Credit reflects oldest tradeline 10/1987, reporting 0x30. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.85% LTV is below the guideline maximum 85% LTV. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x120 mortgage payment history, exceeds 24 month guideline review. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | The LCA score is missing from the Appraisal/ UCDP. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have66 months of current mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $170,303.36/ 36.52 months PITII > min required of $7044.00. | |||||||||||||||||||||||||||||||||||||
| 332 | XXXXXX | XXXXXX | SD | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score 3.3. Clayton to order Desk Review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 14 years and 2 months. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0 x 30 in the most recent 2 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: Debt-to-income ratio of 33.14% is below guideline requirement. | |||||||||||||||||||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Missing final CD for purchase of XXX |
6/30/2026: Received Final CD for REO. PITIA $1,999.43. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same line of work 10 years. 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 @ 14.57% | |||||||||||||||||||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | MO | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $1,332.80 due to Origination Fee increased from LE XXX to CD XXX. Please provide a Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
07.09.2026 - Missing COCs and LEs provided |
07.09.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same line of work 10 years. 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 @ 14.57% | |||||||||||||||||||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | MO | 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 | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/9/2026: Received Safe Harbor status. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same line of work 10 years. 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 @ 14.57% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing final CD for purchase of XXX |
6/30/2026: Received Final CD for REO. PITIA $1,999.43. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same line of work 10 years. 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 @ 14.57% | |||||||||||||||||||||||||||||||||||||
| 334 | XXXXXX | XXXXXX | ND | 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 #185 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 779 exceeds minimum of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #46 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $19,181.10 or 8.96 months of PITI Required PITI Reserves are $4281.60 or 2 months @ $2140.80Cash out: $267,276.91 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 337 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.75% CFCFS1736: Significant time at current residence - Clayton Comments: 11+ years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 823 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 338 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.59% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $24,68.34/4.44 months PITIA (all REO)> min required $15,369.28 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 232 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.17%; guidelines allow 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 152 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 339 | 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 787 is 167 points above program minimum requirements of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 69 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $35,302.34 or 13.59 months PITI, Required PITI Reserves per AUS are $15,588.96. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | 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 #195 months, Credit ratio 43.68% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $492,826.75 Required PITI Reserves are $218,206.56 or 8 months PITI for 8 REOCash out at closing: $353,823.94 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 789 exceeds minimum of 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX > #32 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
5/29/2026: Received BPO |
5/29/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 813. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months in current residence. | |||||||||||||||||||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/29/2026: Received BPO |
5/29/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 813. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months in current residence. | |||||||||||||||||||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 5/29/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order next level review. |
6/12/2026: Received 2055 Report supporting value. |
6/12/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 813. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months in current residence. | |||||||||||||||||||||||||||||||||||||
| 350 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is no score. Clayton to order Desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.47% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets are $289,093.17 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 279 months. | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | D | B | D | D | D | D | D | D | D | A | D | D | Compliance | Ability to Repay/ Qualified Mortgage |
Active | D | D | D | D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
Yes | Missing evidence of either HOA fees for primary residence located at XXX Please note that there is an HOA payment to XXX HOA in the amount of $165 on page 246. Reviewer only able to validate HOI and property tax in total amount of $658.38/month per docs provided. However Final LP reflects total primary residence expense in the amount of $746.72/month while final 1003 reflects total expense of $1,095.13 for the same property. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required, borrower has $39,307.34 in verified reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26 years with current employer. | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | D | B | D | D | D | D | D | D | D | A | D | D | Credit | DTI | Active | D | D | D | D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
Yes | Missing evidence of either HOA fees for primary residence located at XXX Please note that there is an HOA payment to XXX HOA in the amount of $165 on page 246. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required, borrower has $39,307.34 in verified reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26 years with current employer. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
ATR/QM: Status Pending |
D | D | D | D | D | B | D | D | D | D | D | D | D | A | D | D | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required, borrower has $39,307.34 in verified reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26 years with current employer. | |||||||||||||||||||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
ATR/QM: Status Pending |
D | D | D | D | D | B | D | D | D | D | D | D | D | A | D | D | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required, borrower has $39,307.34 in verified reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26 years with current employer. | |||||||||||||||||||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | TX | ATR/ QM: Not Provided |
Non-QM: Lender documented all ATR UW factors |
C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | Compliance | APR Tolerance |
Satisfied | B | A | B | A | CMPAPRT110 | APR - Insufficient Information for APR-Payment Stream Testing |
No | Missing MI Cert. |
7/2/2026: Received MI Cert. |
7/2/2026: Exception auto- satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9 months reserves verified as liquid assets when only required to have two months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | TX | ATR/ QM: Not Provided |
Non-QM: Lender documented all ATR UW factors |
C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC5455 | Mortgage Insurance required but MI Certificate is missing |
No | Provide MI Cert. MI Cert Order is in the file, page 1006. |
7/2/2026: Received MI Cert. |
7/2/2026: Exception auto- satisfied. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9 months reserves verified as liquid assets when only required to have two months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | TX | ATR/ QM: Not Provided |
Non-QM: Lender documented all ATR UW factors |
C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $1196.19 due to (Lock Extension Fee $1196.19) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
7/10/26 - Lender provided COC showing increase in Lock extension fee. |
7/10/26 - Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9 months reserves verified as liquid assets when only required to have two months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | TX | ATR/ QM: Not Provided |
Non-QM: Lender documented all ATR UW factors |
C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | Credit | Ability to Repay/ Qualified Mortgage |
Active | C | C | C | C | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
Yes | Provide lender QM determination & verify bonafide fee as fees exceed 3%. |
07.13.206 - Lock confirmation received however missing undiscounted rate. Additional info may be required upon receipt and review. |
07.13.2026 -Exception remains |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9 months reserves verified as liquid assets when only required to have two months. 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | DC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Missing property documentation to confirm the purchase date of XXX for the use of rental income from a lease agreement. A Final settlement statement/ Closing disclosure or alternative documents is needed to confirm this information. |
7/1/2026: Received Final CD dated XXX showing purchase. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0% | |||||||||||||||||||||||||||||||||||||
| 356 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not provided. Clayton to order desk review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 61 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14+ years at present job CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 378 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .98% CFCFS1736: Significant time at current residence - Clayton Comments: 17+ years at current residence | |||||||||||||||||||||||||||||||||||||
| 357 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.38% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 362 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B2 9+ years at present job CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5% CFCFS1736: Significant time at current residence - Clayton Comments: 6+ years at primary residence | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Missing Credit report and 2025 W2 in order to complete the ATR/QM review. |
6/30/2026: Received B2 2025 W2 and credit report. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $467,492.22 month > reserve requirement $30,297.22. | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/9/2026: Received Loan Detail Report showing ATR Exempt. Provide verification of business use. Clayton verified Safe Harbor.7/10/2026: Received Business Purpose Affidavit. ATR Exempt is valid. |
7/9/2026: Exception remains.7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $467,492.22 month > reserve requirement $30,297.22. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Credit/Mtg History |
Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/ rental history in file does not meet guideline requirement |
No | Missing verification of mortgage history. TBD after credit report received. |
6/30/2026: Received B2 2025 W2 and credit report. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $467,492.22 month > reserve requirement $30,297.22. | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Credit/Mtg History |
Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report |
No | Missing credit report -credit reference #XXX. |
6/30/2026: Received B2 2025 W2 and credit report. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $467,492.22 month > reserve requirement $30,297.22. | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Missing 2025 W2 for XXX from XXX |
6/30/2026: Received B2 2025 W2 and credit report. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $467,492.22 month > reserve requirement $30,297.22. | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order Desk Review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $467,492.22 month > reserve requirement $30,297.22. | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | OH | 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 | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
Yes | Zero Tolerance Fee of $2,513.51 due to Discount Points increased from CD:XXX to CD:XXX. Please provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 137 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,528.26 / 49.14 months PITI > min required of $14,704.76 | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | OH | 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 | CMPTRID4993 | TRID CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates. |
Yes | Projected payments section of the final and Post CD’s show years 1 to 30 for term of MI. MI cert shows .30% or $96.53 a month for first 10 years and .20% or $64.35 for remaining 240 year term. Final and Post CD MI term do not match the MI Cert. Please provide LOX and redisclosed CD within 60 days of discovery |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 137 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,528.26 / 49.14 months PITI > min required of $14,704.76 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | OH | 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 | CMPTRID5037 | TRID - CD: The Mortgage Insurance Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Mortgage Insurance Payment that Clayton calculates. |
Yes | Projected payments section of the final and Post CD’s show years 1 to 30 for term of MI. MI cert shows .30% or $96.53 a month for first 10 years and .20% or $64.35 for remaining 240 year term. Final and Post CD MI term do not match the MI Cert. Please provide LOX and redisclosed CD within 60 days of discovery |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 137 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,528.26 / 49.14 months PITI > min required of $14,704.76 | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | OH | 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 | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 137 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,528.26 / 49.14 months PITI > min required of $14,704.76 | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | OH | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 137 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,528.26 / 49.14 months PITI > min required of $14,704.76 | |||||||||||||||||||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing Primary DSA statement to verify PITI payment |
6/30/2026: Received Final CD showing $XXX PITI. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO > 620 product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $65965.69 verified cash reserves > $43548.36 required by guideline CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.53 LTV Below product cap 70% | |||||||||||||||||||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC152 | Missing verbal VOE required by guidelines |
No | Missing third party verification of XXX business to verify borrower 1 employment and income as required by guidelines |
6/30/2026: Received verification business is active as of 4/7/2026. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO > 620 product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $65965.69 verified cash reserves > $43548.36 required by guideline CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.53 LTV Below product cap 70% | |||||||||||||||||||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations |
FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) |
No | FEMA Declaration for Severe Storms XXX and appraisal date XXX. Clayton to order PDI to verify no damage. |
7/9/2026: Received PDI, no damage as of 7/3/2026. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO > 620 product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $65965.69 verified cash reserves > $43548.36 required by guideline CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.53 LTV Below product cap 70% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 369 | 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: Median credit scores 796 exceeds minimum of 660 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #378 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at the same residence for 17 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #13 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | AL | 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 50 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 25 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 786 exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 373 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $450 due to (Survey Fee $450) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
7/14/26 - Lender provided Post Close CD, LOX and copy of refund check to borrower. |
7/14/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $39,408.16 or 14.75 PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75%; guideline allows 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 812 is 192 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 377 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $153,188.53 or 35.84 months PITI reserves. Required reserves $8,549.50 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job for 33 years CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at their current residence for 30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 800. Minimum score required 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file |
No | Home Counseling List is not in the loan file |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2% CFCFS1736: Significant time at current residence - Clayton Comments: 22+ years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required 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 @ 2% CFCFS1736: Significant time at current residence - Clayton Comments: 22+ years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU Score > 2.5 - Clayton to order desk review |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2% CFCFS1736: Significant time at current residence - Clayton Comments: 22+ years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 383 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 45% File 33.27% CFCFS1736: Significant time at current residence - Clayton Comments: 22 years and 0 months in current residence. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Missing the lender’s ATR/ QM status in file. |
7/15/2026: Received SH status. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 FICO exceeds 620 product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 11+ years at current primary residence CFCFS1739: Positive mortgage payment history - Clayton Comments: 70+ months of on time payment history with no 0x30/60/90 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $280,387.71 or 151.87 months of PITIA. Required PITIA reserves per AUS are $3,692.38. | |||||||||||||||||||||||||||||||||||||
| 385 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 FICO exceeds 620 product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 11+ years at current primary residence CFCFS1739: Positive mortgage payment history - Clayton Comments: 70+ months of on time payment history with no 0x30/60/90 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $280,387.71 or 151.87 months of PITIA. Required PITIA reserves per AUS are $3,692.38. | |||||||||||||||||||||||||||||||||||||
| 387 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Over 12 years at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Over 25 years at current job CFCFS1734: Borrower has significant time at current job - Clayton Comments: Over 12 years at job #2, over 9 years at job #1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $296,087.51. Required reserves are $35,591.86 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Credit | Income/ Employment |
Active | D | D | D | D | CRDINC2302 | Missing Required Income Documentation |
Yes | Missing 2024 K1 showing less than 25% ownership to XXX & XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current residence over 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 681. Minimum score required 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been at their current job over 33 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 24 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39410.78 or 13.73 months PITI reserves. Required 34,450.08 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is not available. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current residence over 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 681. Minimum score required 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been at their current job over 33 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at their current job over 24 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39410.78 or 13.73 months PITI reserves. Required 34,450.08 | |||||||||||||||||||||||||||||||||||||
| 393 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.62%; guidelines allow 75%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 96 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 394 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination or Business Purpose Affidavit. |
7/15/2026: Received SH status. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 9 years and 9 months in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $36,646.44 exceed DU required of $16,000.90. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score of 778 exceeds min required of 620. | |||||||||||||||||||||||||||||||||||||
| 394 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 9 years and 9 months in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $36,646.44 exceed DU required of $16,000.90. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score of 778 exceeds min required of 620. | |||||||||||||||||||||||||||||||||||||
| 395 | XXXXXX | XXXXXX | RI | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20+ years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 27+ years at present job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $2,076,916.36 > reserve requirement of $24,377.04 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have98 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 35+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 396 | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
No | Clayton ATR/QM status pending, missing proof of PITIA for the following properties: XXX, XXX, XXX, XXX |
5/19/2026: Received HOI and taxes for all REOs. |
5/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $64,540.61/ 17.65 months PITIA > min required of 8.08 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 53 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 396 | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | $147.90 Ten Percent Tolerance Violation due to Title Endorsement fee added on Final CD XXX, without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
06.12.2026 - Cure provided via PCCD, LOX and refund for $147.90 and delivery proof. |
06.12.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $64,540.61/ 17.65 months PITIA > min required of 8.08 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 53 years. | |||||||||||||||||||||||||||||||||||||
| 403 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. No LCA score. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x53 mortgage payment history CFCFS2854: Significant time in profession - Clayton Comments: B1 has 20 years in the same profession CFCFS1736: Significant time at current residence - Clayton Comments: B1 has significant time at current residence, 6 years | |||||||||||||||||||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | SC | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU Score > 2.5 - Clayton to order desk review |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 17+ years at primary residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years with current employer | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 746 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 746 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 410 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/CU score due to property type. Clayton to order Desk Review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 158,678.77 or 42.14 months of PITIAReserves Required per AUS = $ 45,773.38 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 Years in Current Profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 773 Guidelines allow 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1222 | XXXXXX | XXXXXX | MA | 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 | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | Provide copy of complete appraisal. All photos, maps and sketches as well as Appraiser license and E&O are missing. |
6/22/2026: Received complete appraisal with all required components and signatures. |
6/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines of 6% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.79% is below guideline maximum 45% | |||||||||||||||||||||||||||||||||||||
| 1222 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed |
No | Missing appraiser signature on page 6 of 6. |
6/22/2026: Received complete appraisal with all required components and signatures. |
6/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines of 6% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.79% is below guideline maximum 45% | |||||||||||||||||||||||||||||||||||||
| 1222 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing desk review, Clayton to order. No LCA provided. |
6/24/2026: Received CDA supporting value. |
6/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines of 6% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.79% is below guideline maximum 45% | |||||||||||||||||||||||||||||||||||||
| 413 | XXXXXX | XXXXXX | WA | 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 | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Subject photos missing on document in file |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit ratio 10.82% CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #109 months, Credit ratio 10.82% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 804 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 413 | XXXXXX | XXXXXX | WA | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | Comparable photos missing on document in file. |
5/6/2026: Received complete appraisal. |
5/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit ratio 10.82% CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #109 months, Credit ratio 10.82% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 804 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 413 | XXXXXX | XXXXXX | WA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/ CU Score. Clayton to order Desk Review. |
5/21/2026: CDA received. |
5/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit ratio 10.82% CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #109 months, Credit ratio 10.82% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 804 exceeds minimum of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 413 | XXXXXX | XXXXXX | WA | 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 | PRVAVALU5249 | Property Value Not Supported |
No | 5/21/2026: Exception added after review of trailing docs: CDA returned Indeterminate value. Clayton to order next level review. |
6/12/2026: Received Field Review Supporting value. |
6/12/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit ratio 10.82% CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #109 months, Credit ratio 10.82% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 804 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower(s) have 15 years at current primary residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 23 years CFCFS2860: Good credit history - Clayton Comments: Borrower(s) have 0/30 for 44 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score is > minimum required score of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 57 months mortgage payment history of 0/30 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18.66% and is < maximum allowed of 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 35 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: At current job for 13 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 744 exceeds the minimum fico of 660 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | OH | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.40% is below guideline maximum 50%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 12/2006, reporting 0x30. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in same profession for 20 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x39 mortgage payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > minimum required of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $25,438.34 or 24.48 months of PITIA. Required Reserves are $6,233.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | OK | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 742 is 122 points above program minimum requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close asset of $767,159.90 or 382.10 PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 80%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL225 | Missing Rider |
No | Missing the executed PUD Rider. |
6/12/2026: Received fully executed PUD Rider and proof sent for DOT re-recordation. |
6/12/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years and 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI of 38% is below the guideline of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 781 exceeds guideline requirement of 620 CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 40 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,212.36 or 66.99 moths of PITIA, Required Reserves per AUS are $20,609.03 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years and 6 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI of 38% is below the guideline of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 781 exceeds guideline requirement of 620
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 40 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,212.36 or 66.99 moths of PITIA, Required Reserves per AUS are $20,609.03 | |||||||||||||||||||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
5/14/2026: Received BPO supporting value. |
5/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years and 6 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified DTI of 38% is below the guideline of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit score 781 exceeds guideline requirement of 620
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 40 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,212.36 or 66.99 moths of PITIA, Required Reserves per AUS are $20,609.03 | |||||||||||||||||||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $435,335.28 or 119.37 months PITIA.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; Guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 761 is 141 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 433 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: 23 years and 9 months in current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 672 FICO score. Minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.62% is 21.38% below the 75% LTV allowed. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Loan has $23,432.75 in verified assets and $1,892.85 required to close. The credit report has an open XXX account balance of $11,863, which deducted from assets leaves $9,676.90 in reserves. LP required reserves are $19,043.92. Provide additional assets for reserves or XXX statement verifying minimum payment due to be added to DTI. |
7/1/2026: Received XXX XXX account. Reserves are now met. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 640
CFCFS2854: Significant time in profession - Clayton Comments: 12 years in current profession.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 48 months reviewed. | |||||||||||||||||||||||||||||||||||||
| 434 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is not provided. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 640
CFCFS2854: Significant time in profession - Clayton Comments: 12 years in current profession.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 48 months reviewed. |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in
qualifying
CFCFS1741: Credit
score exceeds guidelines
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence
CFCFS1744: DTI below guideline requirement
| ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3706 | TRID - Curable Issue #1 related to the Closing Disclosure in file |
No | 7/15/2026: Exception added after review of trailing docs: Loan was submitted with $2,030.64 annual taxes. Received tax cert showing $12,735.56. This increases the tax escrow from $169.22 to $1,061.30. Provide corrected CD with LOX and proof sent to the borrower. Will also require a new IEADS and verification sufficient escrows collected for escrow account. |
7/21/2026: Received LOX and est tax calcs. New Construction. $2,030.56 annual is acceptsble. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Please provide validation for new XXX Payment in the amount of $1673.54 |
7/10/2026: Received new auto loan docs showing payment as submitted. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower
has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Please provide validation for PITIA payment of $XXX for property located at: XXX |
7/9/2026: Received XXX Final CD for purchase verifying $1,804.74 P&I and $301.31 T/I/ HOA. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL4871 | Missing Title Certification |
No | Please provide copy of subject tax certification in the amount of $2030.64 |
7/15/2026: Received tax cert showing $12,735.56 annual taxes. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 442 | XXXXXX | XXXXXX | OK | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Score not assessed; Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below
guideline requirements
CFCFS1734: Borrower has significant time at current job
CFCFS1742: Consumer credit history exceeds guidelines |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | CA | 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 | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing the Mortgage statement or other documents to evidence the PITI for the borrowers investment property located at XXX, recent refinance with XXX. |
7/1/2026: Received XXX mtg stmnt. $XXX PITI. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 452 | 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
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant
time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Recurring payments made to XXX noted on XXX XXX $1089.86 (2/27), $1,047.95 (12/17, 1/14) not addressed. |
7/17/2026: Received docs and LOX. Payment to XXX is made on behalf of borrower’s parent, voluntary as REO secured to loan is parent’s home. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1736:
Significant time at current residence
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | FL | 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 | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
Yes | 10% tolerance due to added title charges without a valid COC; charges include Title - Settlement Closing Fee $105.00, Title - Abstract/Search Fee $199.00, Title - Notary Fee $7.50, Title - Lenders Title Insurance (2) Endorsement $194.49, Title - Title Endorsement Fee $121.50, Title - E-Recording Fee $4.50 (Total $331.49) without any Change of Circumstances. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS1740: Mortgage payment history exceeds guidelines |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review. |
6/22/2026: Received CDA supporting value. |
6/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS2854: Significant time
in profession | |||||||||||||||||||||||||||||||||||||
| 457 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | UCDP missing a CU score. Clayton to order Desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | ME | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Missing one month asset statement to support XXX $125,604.18 asset balance used to qualify. Unable to validate sufficient funds for required reserves $17,728.40. Any large deposits must be explained and documented. |
6/30/2026: Received XXX #XXX stmnt. Verified $33,805.93 post closing reserves. LP requires 17,728.40. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | ME | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing one month asset statement to support XXX $125,604.18 asset balance used to qualify. Any large deposits must be explained and documented. |
6/30/2026: Received XXX #XXX stmnt. Verified $33,805.93 post closing reserves. LP requires 17,728.40. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | ME | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | 1. Missing proof of hazard expense and verification of whether or not XXX subject to HOA expense. Only tax expense documented in file.2. Missing verification of full PITI expense for XXX to support expense $1,807.00 per month.3. Missing borrower letter of explanation or other satisfactory documentation to support no HOA for primary residence and XXX s as qualified with. |
6/29/2026: Received HOI Dec page.6/30/2026: Received PITI info for XXX. |
6/29/2026: Exception remains for Items #2, #3.6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | ME | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance |
No | Missing verification of hazard policy from the subject property. |
6/29/2026: Received HOI Dec page. |
6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good
credit history
CFCFS1741: Credit score exceeds guidelines |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | ME | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score established. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 460 | XXXXXX | XXXXXX | IN | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score #3, Clayton to order updated valuation |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1731:
Verified cash reserves exceed guidelines
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS5269: Minimal use of credit
CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 466 | 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
CFCFS1734: Borrower has
significant time at current job
CFCFS1735: Co-Borrower has significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | IA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score 2.6 is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1736: Significant time at current residence
CFCFS2854: Significant time in profession | |||||||||||||||||||||||||||||||||||||
| 470 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession
CFCFS1740: Mortgage
payment history exceeds guidelines
CFCFS1736: Significant time at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit
score exceeds guidelines
CFCFS1739: Positive mortgage payment history
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below
guideline requirements |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 475 | XXXXXX | XXXXXX | OK | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/ CU Score > 2.5 - Clayton to order desk review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time
at current residence
CFCFS5269:
Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1737: LTV below guideline requirements
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 481 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2854: Significant time in profession
CFCFS1736: Significant time at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 482 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements
CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time at current residence
| ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No score returned ucdp/ fhlmc. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good
credit history
CFCFS1739: Positive mortgage payment history
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 491 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS2854:
Significant time in profession
CFCFS1744: DTI below guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 492 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed
guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS2860: Good credit history
CFCFS1734: Borrower has
significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing verification of some or all components of non-subject PITI for XXX owned by Co-Borrower 2 per tax information provided. |
7/9/2026: Received LOX for XXX - owned f&C. Involved in a fire and unlivable. So no HOI. Clayton verified $1,099 annual taxes and No HOA on redfin.com. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements
CFCFS1734:
Borrower has significant time at current job
CFCFS1740: Mortgage payment history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2860: Good credit history
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER146 | Missing lender’s loan approval/ underwriting form |
No | Missing Lender’s loan approval/ underwriting form 1008 confirming DU approval.Note: currently reflects LP approval with no LP findings provided. |
7/9/2026: Received updated 1008 showing DU used. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements
CFCFS1734:
Borrower has significant time at current job
CFCFS1740: Mortgage payment history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2860: Good credit history
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missimg updated valuation. UCDP XXX >2.5. Clayton to order a desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements
CFCFS1734:
Borrower has significant time at current job
CFCFS1740: Mortgage payment history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2860: Good credit history
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | NH | QM: Safe Harbor |
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 | PRVAAPPR169 | Appraisal includes one or more issue(s) |
No | Appraiser to correct subject grid current occupancy. Investment property. |
7/14/2026: Received corrected appraisal. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive
mortgage payment history
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL225 | Missing Rider | No | Deed of Trust is Missing the PUD Rider, as per Appraisal, Final CD, and Final 1003. |
7/17/2026: Received updated DOT with PUD Rider and proof sent for re-recordation. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1744: DTI below guideline requirement
CFCFS1734: Borrower has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 510 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement
CFCFS1737: LTV
below guideline requirements
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 511 | 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 | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified ATR Exempt. Clayton verified Safe Harbor. Lender to update QM determination. |
7/9/2026: Received SH status. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS5269: Minimal use of
credit
CFCFS2854: Significant time in profession | |||||||||||||||||||||||||||||||||||||
| 512 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score - Clayton to order desk review. |
6/17/2026: CDA received was for an appraisal reviewed that is not the subject. Subject 1004 is on page 695 of PDF. CC to provide correct CDA.6/22/2026: Received CDA supporting value. |
6/17/2026: Exception remains.6/22/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history
CFCFS1741: Credit score exceeds
guidelines | |||||||||||||||||||||||||||||||||||||
| 513 | XXXXXX | XXXXXX | AR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1737: LTV below guideline requirements
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 519 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Risk is 4.0 (>2.5); clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 520 | 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 | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have58 months mortgage payment history 0x30. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 274 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Documented assets $250,051.43 > Reserve requirement $4,925.32 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
No | missing supporting lease agreement to support form 1007. Unable to use $2600 from rent schedule |
(No Data) | Canceled by PQC. Subject is vacant. AUS allows use of Market rent. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 7+ years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $91013.45 verified cash reserves > $40,221 required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 66% LTV below 80% guideline max CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at current job | |||||||||||||||||||||||||||||||||||||
| 522 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | missing supporting lease agreement to support form 1007. Unable to use $2600 from rent schedule. to reduce subject expense to $1401.75 after vacancy factor is applied |
(No Data) | Canceled by PQC. Subject is vacant. AUS allows use of Market rent. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 7+ years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $91013.45 verified cash reserves > $40,221 required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 66% LTV below 80% guideline max CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at current job | |||||||||||||||||||||||||||||||||||||
| 522 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 4.5> 2.5. Clayton to order Desk Review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 7+ years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $91013.45 verified cash reserves > $40,221 required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 66% LTV below 80% guideline max CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at current job | |||||||||||||||||||||||||||||||||||||
| 531 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM Determination. |
7/7/2026: Received Safe Harbor status. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $227,083.04 or 54.14 months of PITIA. Required reserves per DU are $8,390.10. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same job & profession for more than 40 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been living at current primary residence for more than 22 years. | |||||||||||||||||||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption |
QM: Rebuttable Presumption (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 | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX Seller fees have been sourced on the Seller CD, Condition Satisfied. |
(No Data) | Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A. |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Assets post closing > $1,281,926.61 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #204 months, Credit usage ratio 19.26% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 817 exceeds minimum of 620 |
| Deal IeD |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption |
QM: Rebuttable Presumption (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/9/2026: Received Mavent Report verifying RP |
7/9/2026: Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Assets post closing > $1,281,926.61 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #204 months, Credit usage ratio 19.26% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 817 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | GA | (No Data) | ATR/QM: Exempt |
D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Credit | Insurance | Active | D | D | D | D | CRDINSR848 | Missing Hazard Insurance |
Yes | Missing hazard insurance on subject address of XXX, received for XXX |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $399,294.22 or 210.36 months PITI reserves. Require reserves $15,966.97 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 759. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU Score > 2.5. Clayton to order desk review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 33% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 29 months mortgage payment history 0x30 | |||||||||||||||||||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI of 12.91% is below the max allowed of 50%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at the primary residence for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 782 exceeds the minimum requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $859,964.36 or 141.42 months of PITIA. Reserves required are $12,161.58. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 61 consecutive months mortgage payment history exceeds guideline 24 month credit review. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 30.25yrs tenure with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline maximum of 85% CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 795 Median Credit Score, oldest trade on report 7/2006 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $1,331,614.70 exceed guideline required $38,999.24 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | CO | (No Data) | ATR/QM: Exempt |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/17/2026: Received BPO. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41482.35 or 11.66 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 10% DTI is below guidelines of 45% max 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/17/2026: Received BPO. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41482.35 or 11.66 months of P&I
CFCFS1744: DTI
below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 6/17/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Report 2055 Exter- only. |
7/9/2026: Received 2055 report supporting value. |
7/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 553 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (4) score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines CFCFS1734: Borrower has significant time at current job
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 554 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence
CFCFS1749: Additional
documented income not used in qualifying
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 557 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Provide lender QM determination or Business Purpose Affidavit. |
7/14/2026: Received verification Business purpose. |
7/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash reserves
exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 557 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is not available. Clayton to order desk review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below
guideline requirement
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No score available. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.90 is less than the max of 45.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 771 exceeds the 620 required. | |||||||||||||||||||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | SC | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 20 years time in profession.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 16.08% DTI with a max 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 score exceeds the 620 minimum required. | |||||||||||||||||||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | SC | 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 | PRVAVALU5249 | Property Value Not Supported |
No | 6/19/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order Field Review. |
6/30/2026: Received Field Review supporting value. |
6/30/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 20 years time in profession.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 16.08% DTI with a max 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 score exceeds the 620 minimum required. | |||||||||||||||||||||||||||||||||||||
| 567 | 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 | CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #103 months, Revolving credit usage 11%
CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower has potential for increased earnings. Employer letter states: Earns bonuses monthly. 1/2% percent on completed and collected business.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 810 exceeds minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Provide Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $222,612.14/ 87.01 months PITI > min required of $0.00.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.54% is below guideline maximum 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 13 years. | |||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $222,612.14/ 87.01 months PITI > min required of $0.00.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.54% is below guideline maximum 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 13 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1744: DTI below guideline requirement
CFCFS2854: Significant time in profession | |||||||||||||||||||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | AR | QM: Safe Harbor |
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
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 573 | 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
CFCFS1736: Significant
time at current residence
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 575 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current
job
CFCFS5269: Minimal use of credit
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1735: Co-Borrower has significant time at
current job
CFCFS1744: DTI below
guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 580 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit
CFCFS1741:
Credit score exceeds guidelines
CFCFS1744: DTI below guideline requirement
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1740: Mortgage payment history exceeds guidelines
CFCFS2854:
Significant time in profession
CFCFS1737: LTV below guideline requirements
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 582 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing monthly statement for new debt with XXX to verify monthly payment of $492 (reflected on Final 1003 as new debt pg 24) |
7/6/2026: Received credit refresh showing XXX loan. |
7/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1739: Positive mortgage payment history
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741:
Credit score exceeds guidelines
CFCFS1744: DTI 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 584 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/15/2026: Received SH Status. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS5269:
Minimal use of credit
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 585 | 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 | CFCFS5269: Minimal use of credit
CFCFS1741: Credit
score exceeds guidelines
CFCFS1737: LTV below guideline requirements | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 589 | 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
CFCFS1737: LTV below guideline requirements
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is not available. Clayton to order desk review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit
CFCFS1741:
Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 596 | 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
CFCFS5269: Minimal use of credit
CFCFS1734: Borrower has significant time at current 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement
CFCFS1731:
Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 601 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less |
No | Qualifying DTI is 45.01%; max DTI is 45.00%. |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1734: Borrower has
significant time at current job | |||||||||||||||||||||||||||||||||||||
| 609 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement
CFCFS1739:
Positive mortgage payment history
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 612 | XXXXXX | XXXXXX | ID | 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 | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure. |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS2860: Good
credit history | |||||||||||||||||||||||||||||||||||||
| 612 | XXXXXX | XXXXXX | ID | 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 | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | The 3/19/2026 COC in the file does not provide the specific fee change amount. Zero Tolerance Fee of $100 due to Attorney Opinion Letter fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
6/29/26 - Lender provided COC showing added Attorney Opinion Letter fee. |
6/29/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS2860: Good
credit history | |||||||||||||||||||||||||||||||||||||
| 612 | XXXXXX | XXXXXX | ID | 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 | DTI | Active | B | B | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% |
No | Clayton DTI 41.96% and DU DTI 33.29% Tolerance greater than 3%Difference is in rental income calculation |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS2860: Good
credit 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 612 | XXXXXX | XXXXXX | ID | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU (Not accessed) score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS2860: Good
credit history | |||||||||||||||||||||||||||||||||||||
| 613 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% |
No | Clayton verified 45.49% with the addition of $1,134.25/mo HOA to primary residence PITI. It was not included on Final 1003 and was verified on XXX. Provide updated AUS Approve/ Eligible with 45.49% DTI. Lender verified 40.38% DTI. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has
significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Please provide required Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1740: Mortgage payment
history exceeds guidelines
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score not provided. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1740: Mortgage payment
history exceeds guidelines
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 616 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 620 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736:
Significant time at current residence
CFCFS2854: 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 620 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS2854:
Significant time in profession | |||||||||||||||||||||||||||||||||||||
| 620 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 6/16/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Report 2055 Exterior- only. |
6/23/2026: Received Report 2055 not supporting value. Lender to order a full Appraisal. |
6/23/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS2854:
Significant time in profession | |||||||||||||||||||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Clayton to order - LCA #4.0 |
6/17/2026: CDA received is not for the subject 1004. CC to review correct 1004 on page 406 of PDF.6/22/2026: Received CDA supporting value. |
6/17/2026: Exception remains.6/22/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 629 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1735: Co-Borrower has significant time at current job
CFCFS2854: Significant time in profession | |||||||||||||||||||||||||||||||||||||
| 632 | 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 | CFCFS1736: Significant time at current residence
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1734: Borrower has significant time at
current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 636 | 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
CFCFS1734: Borrower has significant time at current job
CFCFS1749: Additional documented income not used in qualifying
CFCFS1740: Mortgage payment history exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 637 | XXXXXX | XXXXXX | MT | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is 2.8. Clayton to order Desk Review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS2854: Significant time in profession
CFCFS1742: Consumer credit history exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 638 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Please provide Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has
significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 640 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Please provide copy of closing disclosure with PITIA payment of $2379.50 for: XXX |
6/30/2026: Received Final CD showing $XXX PITI. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS2860: Good
credit history
CFCFS1734: Borrower has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 640 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU (Non UAD) score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS2860: Good
credit history
CFCFS1734: Borrower has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 643 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Provide documentation of YTD and 2 year history of Bonus income for Co-Borrower in order to verify the bonus income stated per LP. |
6/30/2026: Received 3/15/2026 paystub and WVOE covering 2023-2025. Verified $1,065.20/month bonus. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 646 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS5269: Minimal use of credit
CFCFS1741: Credit score exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 647 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/7/2026: Received SH status. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1737: LTV below
guideline requirements | |||||||||||||||||||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 3.0. Clayton to order Desk Review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 651 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not assessed . Clayton to order desk review. |
6/23/2026: Received CDA supporting value. |
6/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 655 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1744: DTI 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 6/16/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Report 2055 Exterior- only. |
6/29/2026: Received Report 2055 not supporting value. Lender to order a full appraisal. |
6/29/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 661 | XXXXXX | XXXXXX | IA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1744: DTI below guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 669 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2854: Significant time in profession
CFCFS1736: Significant
time at current residence
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 670 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1223 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at current 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 677 | XXXXXX | XXXXXX | OH | 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 | CMPTRID3552 | TRID - Loan Estimate not timely |
No | Initial application was taken 04/06//2026, the Initial LE was not issued until 04/13/2026. Greater than the required 3 days. |
06.30.2026 - Initial LE received |
06.30.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is less than the max of 90%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.70% is less than the max of 45%. | |||||||||||||||||||||||||||||||||||||
| 677 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is less than the max of 90%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.70% is less than the max of 45%. | |||||||||||||||||||||||||||||||||||||
| 679 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score not assessed. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 all mortgages rated on credit.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $56,549.57 post closing reserves. $29,045.84 required. | |||||||||||||||||||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | OK | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have30 months mortgage payment history 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has been in same profession for 10 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.31%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,405.53 > $18,357 Reserves Required to be verified. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 684 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score returned non. Clayton to order desk review |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.89%; guideline allows 80%.
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 801 is 181 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | CO | 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 | B | A | B | A | CMPTRID5293 | 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 |
CFCFS1741: Credit
score exceeds guidelines - Clayton Comments: Median credit scores 744 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job
CFCFS2860: Good credit
history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #93 months, Credit ratio 42.03% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | CO | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Please provide evidence that borrower acknowledged receipt of revised LE issued 2/4/2026 3 days prior to consummation date of 2/10/2026. Disclosure tracking summary does not list a revised LE was ever issued. |
7/20/26 - Lender provided documentation stating LE 2/4/26 was never provided to the borrower. |
7/20/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower
has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower
has significant time at current job
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower
has significant time at current job
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU/LCA score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | CA | 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 | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID |
No | NMLS ID #XXX turns up no results on website. XXX is affiliated with XXX under a different ID. |
7/7/2026: Received verification that Originator and ID are current and active. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS1731: Verified cash
reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | CA | 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 | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination |
No | NMLS ID #XXX turns up no results on website. XXX is affiliated withXXX under a different ID. |
7/7/2026: Received verification that Originator and ID are current and active. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower
has significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Please provide affiliated business disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS1731: Verified cash
reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 696 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA did not score and CU score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734:
Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds
guidelines | |||||||||||||||||||||||||||||||||||||
| 700 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 703 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1737: LTV below
guideline requirements
CFCFS1736: Significant time at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 706 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal
use of credit
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 706 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit
CFCFS1741: Credit
score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 710 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Clayton verified QM Safe Harbor. Lender verified ATR Exempt. Provide updated QM status. |
7/7/2026: Received Safe Harbor status. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1737: LTV below
guideline requirements | |||||||||||||||||||||||||||||||||||||
| 711 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement
CFCFS1737: LTV
below guideline requirements
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1739: Positive mortgage payment history
CFCFS2854: Significant time in profession | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 713 | XXXXXX | XXXXXX | GA | QM: Safe Harbor |
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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Initial CD dated 4/6/2026 does not provide the borrower 3 days prior to consummation date of XXX |
07.07.2026 - Correction to original condition. Issue is not the ICD its we need evidence that the Last LE 4.3.2026 was received prior to ICD. Please provide disclosure tracking for Last LE. 7/17/26 - Lender provided evidence borrower received LE on 4/3/26. |
07.07.2026 -Exception remains. 7/17/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements
CFCFS1734: Borrower has
significant time at current job
CFCFS1741: Credit score exceeds guidelines
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1736: Significant time at current residence
CFCFS1739: Positive mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 713 | XXXXXX | XXXXXX | GA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not provided. Clayton to order desk review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements
CFCFS1734: Borrower has
significant time at current job CFCFS1741: Credit score exceeds guidelines
CFCFS1744: DTI below guideline
requirement
CFCFS1731:
Verified cash reserves exceed guidelines
CFCFS1736: Significant time at current residence
CFCFS1739: Positive mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 718 | XXXXXX | XXXXXX | DE | 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 | CMPTRID5293 | 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) | (No Data) | Numeric | Not Applicable |
CFCFS1736:
Significant time at current residence
CFCFS1741: Credit score exceeds guidelines
CFCFS1735: Co-Borrower has significant time at
current 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 719 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1744: DTI below guideline requirement
CFCFS1741: Credit score exceeds
guidelines
CFCFS5269:
Minimal use of credit
CFCFS1742: Consumer credit history exceeds guidelines
CFCFS2854: Significant time in profession | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 722 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (3) score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1731: Verified cash
reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 724 | 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 | CFCFS1744: DTI below guideline requirement
CFCFS5269:
Minimal use of credit
CFCFS1747: Housing expense increase is 10% or less
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 728 | XXXXXX | XXXXXX | AR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1736: Significant time at current residence
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 730 | XXXXXX | XXXXXX | CA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 730 | XXXXXX | XXXXXX | CA | 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 | PRVAVALU5249 | Property Value Not Supported |
No | 6/19/2026: Exception added after review of trailings docs: Received CDA not supporting value. Clayton to order Field Review. |
7/20/2026: Received Field Review supporting value. |
7/20/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 731 | XXXXXX | XXXXXX | UT | 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 | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing documentation supporting the HOA dues for the subject property. HOA dues are collected on the final CD in file. |
7/2/2026: Received verification it is a road maintenance fee only. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 731 | XXXXXX | XXXXXX | UT | 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 | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Pending copy of affiliated business disclosure provided to borrower. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 731 | XXXXXX | XXXXXX | UT | 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 | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Missing documentation supporting the HOA dues for the subject property. HOA dues are collected on the final CD in file. |
7/2/2026: Received verification it is a road maintenance fee only. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 731 | XXXXXX | XXXXXX | UT | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (4) score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines
CFCFS2860: Good credit history | |||||||||||||||||||||||||||||||||||||
| 732 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current
job
CFCFS1737: LTV below guideline requirements
CFCFS1744: DTI below guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 736 | XXXXXX | XXXXXX | KS | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time at current residence
CFCFS1735: Co-Borrower has significant time at current 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 738 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU reflects no value. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1741: Credit score
exceeds guidelines
CFCFS5269: Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 740 | 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 | CFCFS2860: Good credit history
CFCFS1741: Credit
score exceeds guidelines
CFCFS1734: Borrower has significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 742 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU score 3.5. Clayton to order Desk Review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession
CFCFS1741: Credit score
exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 745 | 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
CFCFS1734: Borrower has
significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 749 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/6/2026: Received Safe Harbor status. |
7/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good
credit history
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1749: Additional documented
income not used in 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current
job
CFCFS1741:
Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2860: Good credit history | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 757 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1744: DTI below guideline requirement
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 758 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.23%
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 761 | 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
CFCFS1750: High
potential for increased earnings
CFCFS2860: Good credit history | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 762 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | Missing Comp photos 1, 2, and 3 from the appraisal |
6/26/2026: appraisal report received still missing Comp 1-3 photos.7/9/2026: Received corrected complete appraisal. |
6/26/2026: Exception remains.7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854:
Significant time in profession
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1736: Significant time at current residence
CFCFS1741: Credit score
exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 764 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 21 years at current residence
CFCFS1744: DTI below guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 772 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation |
No | Missing legible copy of leave and earnings statement and W2s. |
6/30/2026: Received 2/28/2026 LES and 2025/2024 W2s. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $23,898.54 month > reserve requirement $20,319.15. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 26 months rent payment history 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years at same employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 773 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 9 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 777 | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation, Clayton to order desk review |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 8 years at current job CFCFS2854: Significant time in profession - Clayton Comments: B1 in profession for 14 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$209,595.55. Required reserves are $20,399.58 | |||||||||||||||||||||||||||||||||||||
| 780 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 30+ years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at present job CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 312 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 781 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 758 is 138 points above program minimum requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $89,569.77 or 31.87 months PITI.Required reserves per DU approval $20,211.33. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 782 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation to support original appraised value |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 16 Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 52,042.89 or 24.08 months of PITIAReserves Required per AUS = $ 15,316.76 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 794 Guidelines allow 620 | |||||||||||||||||||||||||||||||||||||
| 786 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been on current job and in the same profession for almost 45 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $357,413.51 or 87.16 months of PITIA. No reserves are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 802 exceeds the min requirement of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 66.97% is below the max allowed of 90%. | |||||||||||||||||||||||||||||||||||||
| 787 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $174,324.33 or 67.11 PITIA. LP requires $0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 819 is 199 points above program minimum requirement of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 32.24%; Guideline allows 80%. | |||||||||||||||||||||||||||||||||||||
| 788 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > minimum required of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x175 mortgage payment history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 8/2007, reporting 0x30 in the last 60 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $127,274.93 or 32.55 months of PITI Required Reserves are $23,717.64. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 789 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No CU score. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $77,073.56; required $28,327.46reserves | |||||||||||||||||||||||||||||||||||||
| 790 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA 3 score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 789 FICO score. Minimum required 620. CFCFS2854: Significant time in profession - Clayton Comments: 11 years and 10 months in current profession. CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 0 months in current residence. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 792 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing a UCDP LCA score. Clayton to order Desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $142,003.92 or 35.62 PITIA
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 767 is 147 points above program minimum requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.97% is below maximum allowed of 45% | |||||||||||||||||||||||||||||||||||||
| 795 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6 years at current job
CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 796 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Provide documentation that the following Mortgages have been paid in full1. XXX#XXX; 2. XXX#XXX/XXX; 3. XXX#XXX and 4. XXX#XXXProvide documentation of new PITI for XXX#XXX; #XXX and #XXX. |
7/9/2026: Received three Final CDs, all refis verifying debts paid and new PITI. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have345 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 640
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 796 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is not assessed. Clayton to order deskreview. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have345 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 640
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 797 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score - Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 640
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have263 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 799 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 45+ years at present job
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30 for 244 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 805 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing verification regarding what secures the XXX HELOC#XXX in the amount of $303,100 or verification that the HELOC is closed. |
7/10/2026: Received HELOC Agreement, updated 1003 and AUS including payment. DTI is still within tolerance. |
7/10/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 795 Median Credit Score. Oldest Trade 1/2001
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 24.75yrs tenure with current employer
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below maximum allowed 90% LTV per guidelines | |||||||||||||||||||||||||||||||||||||
| 805 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing verification regarding what secures the XXX HELOC#XXX in the amount of $303,100 or verification that the HELOC is closed. |
7/10/2026: Received HELOC Agreement, updated 1003 and AUS including payment. DTI is still within tolerance. |
7/10/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 795 Median Credit Score. Oldest Trade 1/2001
CFCFS1735: Co-Borrower has significant time at
current job
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below maximum allowed 90% LTV per guidelines | |||||||||||||||||||||||||||||||||||||
| 805 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU score >2.5. Clayton to order Desk Review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history
CFCFS1735: Co-Borrower has significant time at current job
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 807 | 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 | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved; Clayton to order BPO. |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 807 | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO. |
6/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 807 | 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 | PRVAVALU5249 | Property Value Not Supported |
No | 6/16/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Report 2055 Exterior-Only. |
6/22/2026: Received report 2055 supporting va;ue. |
6/22/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 808 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order deskreview. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements
CFCFS1734: Borrower has
significant time at current job
CFCFS1736: Significant time at current residence | |||||||||||||||||||||||||||||||||||||
| 809 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Score no findings returned; Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1736: Significant time at current residence
CFCFS1735: Co-Borrower has significant time at current job
CFCFS2854: Significant time in profession | |||||||||||||||||||||||||||||||||||||
| 810 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS5269: Minimal use of credit | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 816 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS5269: Minimal use of
credit
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements
CFCFS1736: Significant time at current residence | |||||||||||||||||||||||||||||||||||||
| 816 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS5269: Minimal use of
credit
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements
CFCFS1736: Significant time at current residence | |||||||||||||||||||||||||||||||||||||
| 819 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (Not eligible) score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS2860: Good credit history
CFCFS1734: Borrower has significant time at current 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 821 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is missing. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current
job - Clayton Comments: 7 years at current job
CFCFS1744: DTI below guideline requirement CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence | |||||||||||||||||||||||||||||||||||||
| 823 | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 825 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1749: Additional documented income not used in qualifying
CFCFS1734: Borrower has significant time at current job
CFCFS2854: Significant time in profession | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 826 | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 827 | XXXXXX | XXXXXX | KY | 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 | PRVAAPPR3116 | Missing updated valuation |
No | LCA Score 3.0. Clayton to order Desk Review. |
6/17/2026: Received CDA. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS2854:
Significant time in profession
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 827 | XXXXXX | XXXXXX | KY | 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 | PRVAVALU5249 | Property Value Not Supported |
No | 6/17/2026:Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order Field Review. |
6/29/2026: Received Field Review supporting value. |
6/29/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1736:
Significant time at current residence
CFCFS2854: Significant time in profession
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 828 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1731:
Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 830 | 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
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 836 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time
at current residence
CFCFS1744: DTI below guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 837 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS2854: Significant
time in profession
CFCFS1736:
Significant time at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 841 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is not available. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS2854: Significant time in profession
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 842 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749:
Additional documented income not used in qualifying
CFCFS1741: Credit score exceeds guidelines
CFCFS2860: Good credit 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 844 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession
CFCFS2860: Good
credit history
CFCFS1741:
Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 845 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | 2024 1040 not signed by B2. 2023 tax returns not signed by either borrower.4506C forms signed by both borrowers are corrupted. Info from the form is not printed. |
6/26/2026:1. Page 229 of PDF shows 2024 1040 signed by B1, not B22. Need B1/B2 signatures on 2023 1040s3. Received signed 4506C for both borrower. This can be used in lieu of signed tax returns per guides. |
6/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 845 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA or CU score is not reporting. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1737: LTV below guideline requirements
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 846 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1736: Significant time at current residence
CFCFS1741: Credit score exceeds guidelines
CFCFS1744: DTI below guideline requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 855 | 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 | CFCFS1742: Consumer credit history exceeds guidelines
CFCFS1736: Significant time
at current residence
CFCFS1741:
Credit score exceeds guidelines
CFCFS1740: Mortgage payment history exceeds guidelines
CFCFS1735: Co-Borrower has significant time at
current job
CFCFS1731: Verified cash
reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 858 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | 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 |
CFCFS5269: Minimal
use of credit
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1736: Significant time
at current residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 858 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.77%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed
guidelines - Clayton Comments: Cash reserves of $2,639,496.52 exceed required reserves of $0.
CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 858 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.77%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $2,639,496.52 exceed required reserves of $0.
CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 861 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 fico > program minimum of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV < program maximum of 85%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.86% DTI < program maximum of 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets $9,364,273.86 verified reserves > AUS requirement of $31,670.82. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 863 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is non-UAD Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 57 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 808 exceeds min score requirement of 620.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 32 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $770,123.96 or 364.29 months of PITI. | |||||||||||||||||||||||||||||||||||||
| 870 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.85%; guidelines allow 80%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 779 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 876 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 34+ years at present job
CFCFS1736: Significant time at current residence - Clayton Comments: 18+ years at primary residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 878 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/ Deed in file is incomplete |
No | Missing Mortgage/DOT page 10 of 14. |
6/30/2026: Received all pages of DOT. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
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 $194,003/ 38.66 months PITIA > min required of $43134. | |||||||||||||||||||||||||||||||||||||
| 879 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score > 2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been working for the same employer for 29 years
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reporting to credit is positive.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $72,821.14 or 26.97 months PITI reserves. Required reserves $19,769.00. | |||||||||||||||||||||||||||||||||||||
| 887 | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score due to property type. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 7 years 7 months at current job.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history 61 months for primary and investment exceeds guidelines.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $44,102.11 in verified cash reserves exceeds required $4,080.00. | |||||||||||||||||||||||||||||||||||||
| 890 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | LTV/CLTV | Active | C | C | C | C | CRDLTV201 | LTV > 90% | Yes | Per the Appraisal the Borrower purchased the subject XXX for $XXX. < 12 months from the Note date XXX FNMA DU Approval requires 1st lien being paid off to be seasoned for 12 months, for a maximum LTV 75%. Borrower has been on title > 6 months on the Note date. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 704 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 890 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | LTV/CLTV | Active | C | C | C | C | CRDLTV203 | CLTV > 100% |
Yes | Per the Appraisal the Borrower purchased the subject XXX for $XXX. < 12 months from the Note date XXX. FNMA DU Approval requires 1st lien being paid off to be seasoned for 12 months, for a maximum LTV 75%. Borrower has been on title > 6 months on the Note date. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 704 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 890 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | LTV/CLTV | Active | C | C | C | C | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more |
Yes | Per the Appraisal the Borrower purchased the subject XXX for $XXX. < 12 months from the Note date XXX. FNMA DU Approval requires 1st lien being paid off to be seasoned for 12 months, for a maximum LTV 75%. Borrower has been on title > 6 months on the Note date. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 704 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 891 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | The file contains only the Final CD signed at closing. Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply. |
7/6/26 - Lender provided initial CD. |
7/6/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.71%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $336,530.20 / 73.15 months PITI > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| 894 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score established. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 mid score > min required of 640
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS2854: Significant time in profession - Clayton Comments: Co - Borrower has been in same profession for 24 years. | |||||||||||||||||||||||||||||||||||||
| 900 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Over 14 years XXX. over 17 years employed by XXX, over 10 years employed by XXX
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$59,326.93. Required Reserves are $27,929.88
CFCFS1736: Significant time at current residence - Clayton Comments: 8 Years at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 903 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 692 Guidelines allow 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 29,103.14 or 22.90 months of PITIAReserves Required per AUS = $ 9,908.98
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 51 Months | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 905 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (3) score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 806 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #188 months, Credit usage 6%
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #11 years | |||||||||||||||||||||||||||||||||||||
| 907 | XXXXXX | XXXXXX | VA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.83%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have54 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 173 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 910 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, the borrower has been employed with current employer for 9 years and 10 months with a start of 6/1/2016
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 727 is > the minimum credit score of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $144,782.82; Required reserves $24,669.84 per DU. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 917 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: Borrower has 0x30 for 491 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal
usage of available revolving credit lines @ 3.00%
CFCFS1740: Mortgage payment
history exceeds guidelines - Clayton Comments: Borrowers have 107 months mortgage payment history 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.84% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton
Comments: Post closing assets $389,135.78/60.62months PITIA (all REO)> min required $20,731.65
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 921 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 928 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time at current residence
CFCFS2854: Significant time in profession | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 930 | XXXXXX | XXXXXX | UT | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS1740: Mortgage
payment history exceeds guidelines
CFCFS1742: Consumer credit history exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 936 | XXXXXX | XXXXXX | DE | (No Data) | ATR/QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Application | Satisfied | C | A | C | A | CRDAPP131 | Occupancy status not supported by file documentation |
No | Final 1003 reflects subject property is an investment property. Appraisal dated 3/9/2026 reflects the subject property was owner occupied at the time of inspection. |
7/13/2026: Received corrected appraisal, tenant occupied. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit
score exceeds guidelines
CFCFS1736: Significant time at current residence
CFCFS1734: Borrower has significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 938 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has significant time at current residence: 11yr
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time in line of business; 26 years 6mo.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 939 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: 29+ years at present businesses
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.19% | |||||||||||||||||||||||||||||||||||||
| 941 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 25 Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 837,902.95 exceed reserves required of $ 24,936.04.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit 769 exceeds Guidelines min of 620 | |||||||||||||||||||||||||||||||||||||
| 943 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU score not reflected on UCDP report in file- no value. Clayton to order desk review. |
6/17/2026: Received CDA supporting value but recommending additional review. Clayton to order next level review.6/29/2026: Received Field Review supporting vlaue. |
6/17/2026: Exception remains.6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $778,614.55, required reserves $38,171.46
CFCFS1741: Credit score exceeds guidelines
CFCFS1742: Consumer credit history exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 945 | XXXXXX | XXXXXX | ME | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order Desk Review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1739:
Positive mortgage payment history
CFCFS1734: Borrower has significant time at current job
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 947 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing proof of the payment with XXX/ XXX includes taxes and insurance for the property located at XXX |
6/30/2026: Received mtg stmnt verifying PITI. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736:
Significant time at current residence
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 948 | 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 | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/13/2026: Received Safe Harbor status. |
7/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 948 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Please provide copy of Mortgage statements for: XXX#XXX, XXX#XXX, XXX#XXX, XXX#XXX- for REOs to verify escrows included. |
7/16/20263: Received PITI info. |
7/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history
| |||||||||||||||||||||||||||||||||||||
| 956 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI of 29.69% is below guideline maximum of 45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 958 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 801 FICO score. Minimum required 620. CFCFS2854: Significant time in profession - Clayton Comments: 15 years and 0 months in current profession. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years and 4 months in current residence. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 962 | XXXXXX | XXXXXX | NY | (No Data) |
ATR/ QM: Exempt |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | Per the “Escrow Account” section for the final CD dated XXX, there was no option selected for the reason for the escrow denial |
07.09.2026 - LOX and PCCD received. |
07.09.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.72%; guideline allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 722 is 102 points above program minimum requirements of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $433,778.98 or 92.70 PITIA | |||||||||||||||||||||||||||||||||||||
| 962 | XXXXXX | XXXXXX | NY | (No Data) |
ATR/ QM: Exempt |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/9/2026: Received Mavent ATR Exempt. Clayton verified Safe Harbor. Lender to verify loan is business use.7/16/2026: Received signed Business Purpose Affidavit, dated 7/11/2026. |
7/9/2026: Exception remains.7/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.72%; guideline allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 722 is 102 points above program minimum requirements of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $433,778.98 or 92.70 PITIA |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 963 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is N/ A. Clayton to order Desk Review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history
CFCFS1744:
DTI below guideline requirement
CFCFS1734: Borrower has significant time at current job
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score
exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 965 | XXXXXX | XXXXXX | GA | 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 | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
No | Missing verification of tax and insurance payment on the primary residence to calculate the PITIA. |
7/2/2026: Received Chase mtg stmnt. $XXX is PITI. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1740: Mortgage payment history exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 965 | XXXXXX | XXXXXX | GA | 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 | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1740: Mortgage payment history exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 965 | XXXXXX | XXXXXX | GA | 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 | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements |
No | Missing evidence the borrower is permitted to make withdrawals from retirement accounts submitted for reserves. |
7/13/2026: Received T/C for XXX 401k. Max allowed is lesser of 50% vested balance or $50K. Used 50% balance for each, Reserves requirement still met. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1740: Mortgage payment history exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 965 | XXXXXX | XXXXXX | GA | 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 | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing documentation to verify property tax and insurance amounts due on primary residence. |
7/2/2026: Received XXX mtg stmnt. $XXX is PITI. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 968 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
No | Missing a mortgage statement or other documentation to support whether the following REO’s are escrowed: XXX, XXX., XXX., and XXXX If any of these properties are not escrowed please provide verification of Taxes and Insurance. |
7/9/2026: Received mtg stmnts verifying all are escrowed. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below
guideline requirement
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 968 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing a mortgage statement or other documentation to support whether the following REO’s are escrowed: XXX, XXX., XXX., and XXXX If any of these properties are not escrowed please provide verification of Taxes and Insurance. |
7/9/2026: Received mtg stmnts verifying all are escrowed. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash
reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 970 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Need full VOE with breakdown of income and/or two years W2s - borrower has variable hours, bonus and tip income. |
7/17/2026: Received WVOE. Verified $6,498.27/mo income. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS1741: Credit score
exceeds guidelines
CFCFS5269: Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 970 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU reflects no value. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS1741: Credit score
exceeds guidelines
CFCFS5269: Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 971 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/19/2026: Received BPO supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit
CFCFS1744: DTI
below guideline requirement
CFCFS1741: Credit score exceeds guidelines
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 971 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/19/2026: Received BPO supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit
CFCFS1741: Credit score exceeds guidelines
CFCFS1737: LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 974 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage
payment history exceeds guidelines
CFCFS2854: Significant time in profession
CFCFS1731: Verified cash reserves exceed guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 975 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA core is >2.5, Clayton to order updated valuation |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds
guidelines
CFCFS5269: Minimal use of credit
CFCFS1744: DTI below guideline requirement
CFCFS1741: Credit score exceeds guidelines
CFCFS1742: Consumer credit
history exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines | |||||||||||||||||||||||||||||||||||||
| 983 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Provide Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1741:
Credit score exceeds guidelines
CFCFS5269: Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 988 | 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 | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Missing the lender’s ATR/ QM Status. |
7/9/2026: Received Safe Harbor status. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement
CFCFS1731: Verified cash reserves
exceed guidelines
CFCFS1736: Significant time at current residence
CFCFS1734: Borrower has significant time at current job
CFCFS1739: Positive mortgage payment history
CFCFS1737: LTV below
guideline requirements | |||||||||||||||||||||||||||||||||||||
| 988 | 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 | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing consecutive 2 months bank statements from XXX#XXX and XXX#XXXas required per agency guidelines. |
7/17/2026: Received additional month stmnt for XXX ckg. XXX is an Inv acct. Only one month required. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.74 DTI < 45% guideline max CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $742,751.75 or 188.74 months of PITI. Required PITI Reserves aper AUS are $5,666.89 CFCFS1736: Significant time at current residence - Clayton Comments: 13+ years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 34+ years at current job CFCFS1739: Positive mortgage payment history - Clayton Comments: 74+ months of positive pay history, no 0x30/60/90 lates CFCFS1737: LTV below guideline requirements - Clayton Comments: 88.67 LTV below 90% guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 FICO > 620 guideline minimum | |||||||||||||||||||||||||||||||||||||
| 990 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA shows No score. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 25.24% is below guideline maximum 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $190,457.25 or 94.99 months PITI reserves, LP required $18,426.72 in reserves to be verified. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 991 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Updated Valuation: CU score not available. Clayton to order deskreview. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is > 10.5 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 141 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x149 positive consumer payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 47.59 months PITI above 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 994 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA risk reflects no findings returned; Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $49,995.70 reserves required $17,418.48 CFCFS1744: DTI below guideline requirement - Clayton Comments: 36% DTI and maximum is 50% | |||||||||||||||||||||||||||||||||||||
| 997 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Pending copy of affiliated business disclosure provided to borrowers. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 757 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $30,954.10 / 8.78 months PITIA > min required of $0. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 997 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score returned non. Clayton to order desk review |
6/24/2026: Received CDA supporting value. |
6/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 757 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $30,954.10 / 8.78 months PITIA > min required of $0. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 1000 | XXXXXX | XXXXXX | SC | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 3.5 is >2.5. Clayton to order desk review |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the primary residence 27.75 years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 3/1993, reporting 0x30 in the last 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $718,824.92 or 312.56 months of PITI. $13,798.92 Required Reserves. | |||||||||||||||||||||||||||||||||||||
| 1001 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $449,230.36 exceed guideline required $31,701.52 CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below guideline maximum of 85% CFCFS2860: Good credit history - Clayton Comments: Good credit history with isolated aged 1x30 late. 764 Median Credit Score, Oldest Trade 12/1993 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 Median Credit Score exceeds guideline minimum of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1006 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $44,521.02 or 10.88 months PITI reserves, DU required $27,627.63 in reserves to be verified. 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 @ 12.82% |
| 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1009 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing Property Tax Cert for XXX |
7/1/2026: Received tax bill for REO. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 80.00%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @4.03% | |||||||||||||||||||||||||||||||||||||
| 1011 | 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 | PRVAAPPR275 | Completed “Subject To” w/o Completion Cert in File |
No | Appraisal made subject to installation of Carbon monoxide detector and replacement of garage fire rated door. Photos of replacement items provided however missing 1004D final completion cert. |
7/9/2026: Received verification repairs are done. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.03/37.52 DTI. Max DU AUS 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $55,445.57 post closing reserves. $18,921.09 minimum required | |||||||||||||||||||||||||||||||||||||
| 1013 | XXXXXX | XXXXXX | NC | 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 | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender status ATR/QM Exempt. Clayton verified Safe Harbor. Lender to update QM status or verify business purpose. |
7/7/2026: Received LOX. Lender believes since a Const/Perm, there is no requirement to change QM determination from ATR Exempt to SH. Clayton disagrees.7/10/2026: Received Safe Harbor status. |
7/7/2026: Exception remains.7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their primary residence for over 29 Years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower credit score of 763 exceeds minimum guideline requirement CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The borrower has been at their employer for over 10 years | |||||||||||||||||||||||||||||||||||||
| 1013 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file |
No | Please provide a copy the homeowners counseling organizations List |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their primary residence for over 29 Years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower credit score of 763 exceeds minimum guideline requirement CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The borrower has been at their employer for over 10 years | |||||||||||||||||||||||||||||||||||||
| 1013 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at their primary residence for over 29 Years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower credit score of 763 exceeds minimum guideline requirement CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The borrower has been at their employer for over 10 years | |||||||||||||||||||||||||||||||||||||
| 1016 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score >2.5. Clayton to order deskreview. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 14 years and 7 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 694 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1019 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Credit | Terms/ Guidelines |
Active | C | C | C | C | CRDTER3122 | Loan documents do not meet guideline requirements |
Yes | 6/19/2026: Exception added after review of trailing docs: The subject address is XXX. The Note, Mortgage and HOI have XXX Verified with XXX the street address ends in XXX. There is no XXX. Provide updated Note , Mortgage, 1-4 Family Rider and HOI & verify Mortgage/ Rider has been sent for re-recording. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 30,039.08 or 18.84 months of PITIAReserves Required per AUS = $ 18,145.62 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 702 Guidelines allow 620 | |||||||||||||||||||||||||||||||||||||
| 1019 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/CU score due to property type. Clayton to order Desk Review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 30,039.08 or 18.84 months of PITIAReserves Required per AUS = $ 18,145.62 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 702 Guidelines allow 620 | |||||||||||||||||||||||||||||||||||||
| 1020 | XXXXXX | XXXXXX | IL | ATR/ QM: Exempt |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.49% is below guideline maximum 45%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20+ years. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Borrower paid off/consolidated approximately $49,699.00 in monthly installment/revolving debt wit this transaction. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1025 | XXXXXX | XXXXXX | MS | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.28% DTI is below guideline requirement with a max DTI of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 771 exceeds guidelines with a minimum credit score of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $349,719.20 or 224 months of PITI.Required Reserves are $13,985.96. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1028 | XXXXXX | XXXXXX | MS | 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 | CRDLGL225 | Missing Rider |
No | 1-4 Family Rider is missing from the Mortgage (DOT). |
7/2/2026: Received 1-4 Family Rider. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at his current home for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $172,515.75 or 150.70 months of PITI. Required reserves are $9,876.77. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 803 exceeds the min requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 1029 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.83% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.73%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.54%; guidelines allow 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1033 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $262,259.57 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 777 exceeds minimum of 620 CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 1X30, 0X60, 0X90, in #106 months, Credit ratio 11.80% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1035 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA shows no score due to Non UAD form type. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.50% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 20.83% is below guideline maximum 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $119,999.73 or 26.20 months PITI reserves, LP required $42,474.70 in reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 1039 | XXXXXX | XXXXXX | FL | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6+ years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.56 LTV < 90% product maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $36,563.58 or 11.94 months of PITIRequired reserves 6,126.81 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 Fico > 620 guideline minimum | |||||||||||||||||||||||||||||||||||||
| 1039 | XXXXXX | XXXXXX | FL | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Title commitment reflects the proposed amount of insurance of $XXX; Note and Mortgage reflects loan amount of $XXX. |
7/6/2026: Received Final Title showing $XXX coverage. |
7/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6+ years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.56 LTV < 90% product maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $36,563.58 or 11.94 months of PITIRequired reserves 6,126.81 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 Fico > 620 guideline minimum | |||||||||||||||||||||||||||||||||||||
| 1042 | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU shows no score due to Non UAD form. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.63% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 35 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 1044 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Score is > 2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $1,039,213.21 or 326.96 months PITI. Required reserves $24,286.40. CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have occupied the primary residence 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1046 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements CFCFS1739: Positive mortgage payment history
CFCFS1741: Credit score exceeds guidelines
CFCFS2854: Significant time in
profession
CFCFS5269: Minimal use of credit | |||||||||||||||||||||||||||||||||||||
| 1047 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds
guidelines CFCFS1744: DTI below
guideline requirement
CFCFS1741: Credit score exceeds guidelines
CFCFS1734: Borrower has significant time at
current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1050 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2860: Good credit history
CFCFS1742: Consumer credit
history exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1051 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1052 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS5269: Minimal use of credit | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | LA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Missing verification of all Mortgages, taxes, insurance and HOA if applicable for the primary residence totaling $9,618.02 as only the newly established HELOC doc is in file for 2nd lien with a payment of $3,336.00. |
7/9/2026: UPDATE TO EXCEPTION: Lender QM determination per Mavent is ATR Exempt. Clayton verified Rebuttable Presumption. Lender to update QM determination or verify a Business Purpose loan.7/20/2026: Received verification business purpose. |
7/9/2026: Exception remains.7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854:
Significant time in profession CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
CFCFS1744: DTI 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | LA | (No Data) | ATR/ QM: Exempt |
D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing verification of all Mortgages, taxes, insurance and HOA if applicable for the primary residence totaling $9,618.02 as only the newly established HELOC doc is in file for 2nd lien with a payment of $3,336.00. |
7/9/2026: Received Final CD for 1st lien purchase of Primary. Verified $9,704.02 PITIA. DTI is still within tolerance. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession
CFCFS3834:
Borrower does not have any major mortgage related occurrences during the past two years
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | LA | (No Data) | ATR/ QM: Exempt |
D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession
CFCFS3834:
Borrower does not have any major mortgage related occurrences during the past two years
CFCFS1744: DTI below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 1061 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (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
CFCFS1734: Borrower has significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1063 | 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 | CFCFS1741: Credit score exceeds guidelines
CFCFS1736: Significant time at current residence
CFCFS2854: Significant time in profession | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1064 | XXXXXX | XXXXXX | GA | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current
job
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS1736: Significant time at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1065 | XXXXXX | XXXXXX | FL | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit
score exceeds guidelines
CFCFS1739: Positive mortgage payment history
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2854:
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1069 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2854: Significant time in profession | |||||||||||||||||||||||||||||||||||||
| 1070 | 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 | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Title commitment dated 3/19/2026 reflects policy amount of $XXX; Note/ Mortgage reflects loan amount of $XXX. |
7/1/2026: Received updated Title $XXX coverage. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS2854: Significant time in profession
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 1073 | 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 | CFCFS1741: Credit score exceeds guidelines
CFCFS1731: Verified cash
reserves exceed guidelines
CFCFS5269: Minimal use of credit
CFCFS1734: Borrower has significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1075 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines
CFCFS5269: Minimal use of
credit
CFCFS1731: Verified cash reserves exceed guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1078 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in
qualifying
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines
CFCFS1735:
Co-Borrower has significant time at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1744: DTI below guideline requirement
CFCFS1741: Credit score exceeds guidelines
CFCFS1737: LTV below guideline
requirements |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1085 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/ Mtg History |
Active | B | B | B | B | CRDCRMH193 | Length of mortgage/ rental history in file does not meet guideline requirement |
No | Missing 12 months mortgage payment history for XXX mtg. - printout provided only reflects 6 month payment history |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ years at current employer
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 1086 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence
CFCFS1739: Positive
mortgage payment history
CFCFS1734: Borrower has significant time at current job | |||||||||||||||||||||||||||||||||||||
| 1087 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Provide the XXX account statements noted on Final 1003 with $50K in each account. If removed, loan is short funds to close. |
6/29/2026: Received 401K statements for both borrowers. Used 60% value. File meets requirements for funds to close & reserves. |
6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS1741: Credit score exceeds
guidelines
CFCFS1737:
LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 1087 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Property Valuations |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration for Widlfires XXX and appraisal date XXX. PDI to be ordered by Clayton. |
6/10/2026: Client acknowledges Level 2 exception Public Only. |
6/10/2026: Exception waived non-material. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current
job
CFCFS1741: Credit score exceeds
guidelines
CFCFS1737:
LTV below guideline requirements | |||||||||||||||||||||||||||||||||||||
| 1089 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Title - Prelim is dated 12/5/2025 and is greater than 90 days from the note date of XXX |
7/2/2026: Received Final Title. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit
CFCFS1731: Verified
cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 1089 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal
use of credit
CFCFS1731: Verified cash reserves exceed guidelines
CFCFS1741: Credit score exceeds guidelines |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1091 | XXXXXX | XXXXXX | MS | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 443 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time in line of business; 27 years 7mo. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has significant reserves of 19.48/mo. that exceeds guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time in line of business; 9 years 8mo. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1092 | XXXXXX | XXXXXX | AR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.01%. CFCFS1736: Significant time at current residence - Clayton Comments: 20+ years at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $86,675.28/ 48.42 months PITIA > min required of $10,741.38. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1093 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28% is below guideline maximum 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have52 months mortgage payment history 0x30. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 178 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing Assets: $113,516.05 in reserves > Required Reserves $10,287.06 per LP approval. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1094 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 87.25 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 187 points above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is > 15.84 points below guideline maximum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 8.33 points below guideline maximum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1096 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have142 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 680 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 1097 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 758 FICO score. Minimum required 620. CFCFS1736: Significant time at current residence - Clayton Comments: 2 years and 5 months in current residence. CFCFS2854: Significant time in profession - Clayton Comments: 6 years and 0 months in current 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1099 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Please provide Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at primary residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.88% is < the maximum DTI of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 790 FICO score. Minimum required 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 25 years. | |||||||||||||||||||||||||||||||||||||
| 1111 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $154,710.66 or 39.37 months PITI reserves, DU required $23,576.70 in reserves to be verified. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.68% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1113 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $75 due to Survey Fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
07.16.2026 - Cure provided via refund |
07.16.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years 1 month at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 7 years 8 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 6 years 5 months at current residence. | |||||||||||||||||||||||||||||||||||||
| 1115 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Pending copy of affiliated business disclosure provided to borrower |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $368,579.88, Guidelines require $96,109.02 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 Score exceeds guideline minimum requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 1115 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $368,579.88, Guidelines require $96,109.02 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 Score exceeds guideline minimum requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 1116 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14 years 8 months on job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $304,815.04 post closing reserves. $125,098.51 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1219 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 777 exceeds minimum of 620 CFCFS1750: High potential for increased earnings - Clayton Comments: No rental income was used for qualifying. Borrower has 2 rental properties CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $314,176.39 or 85.63 months of PITI Required PITI Reserves are $26,930.03 or XX months @ $3669 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1119 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $297,345.32 or 136.19 months PITI reserves, LP required $13,099.68 in reserves to be verified. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 815 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1121 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 122 months mortgage payment history 0x30. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 289 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.98% is below guideline maximum 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,076,787.82 or 228.14 months of PITIA (all REO)>min required $15,310.86. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1123 | 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 | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing all PITI information for the borrowers primary residence located at XXX and missing Note for property located at XXX |
7/10/2026: Received Final CD showing $XXX PITI. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.11% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.90%; guidelines allow 75%. | |||||||||||||||||||||||||||||||||||||
| 1123 | 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 | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing all PITI information for the borrowers primary residence located at XXX and missing Note for property located at XXX |
7/10/2026: Received Final CD showing $XXX PITI. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.11% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.90%; guidelines allow 75%. | |||||||||||||||||||||||||||||||||||||
| 1123 | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Missing Desk review, Clayton to order. Subject property is a 2 family no LCA score. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.11% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.90%; guidelines allow 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1124 | 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 | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Multiple accounts are being paid off at closing reducing the borrowers overall total monthly debt obligations. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 17 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 (XXX) has been in the same line of work for 27 years and 8 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1220 | 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: Credit Score of 779 is 159 points above program minimum requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $198,59190; required assets to close $121,016.04; verified post close reserves of $77,575.86 or 29.24 months; required reserves $18,257.89 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, the borrower has been the current employer for 6 years and 8 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 90%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1135 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | DU returned 3.2 score. Clayton to order Desk Review. |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 41 years at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%. | |||||||||||||||||||||||||||||||||||||
| 1136 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #107 months, Credit usage 27.17% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 752 exceeds minimum of Freddie Mac Inv 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $179,561.28 or 28.38 months of PITIA. Required PITIA Reserves are $37,956.90 or 6 months @ $6326.15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1137 | XXXXXX | XXXXXX | CO | 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 | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | Missing the checkmark. The Final 4/30/2026 CD does not have a selection for a reason why there will be no escrow account. |
07.16.2026 -PCCD received |
07.16.2026 -Exception satisfied |
Non-Numeric | Not Applicable |
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 $135,316.66 or 48.31 months PITI reserves, DU required $17,980.40 reserves to be verified. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.40% | |||||||||||||||||||||||||||||||||||||
| 1138 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1141 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of availa6ble revolving credit lines @ 6.34% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $57,641.76 or 35.56 months PITI reserves, LP required $28,233.44 in reserves to be verified. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1143 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA shows no score. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $66,202.61 (excluding cash out) or 39.94 months PITI reserves, LP required $9,944.10 in reserves to be verified. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 1146 | XXXXXX | XXXXXX | MO | ATR/ QM: Exempt |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $345,607.11 or 158.25 months PITI cash reserves, LP required $104,582.44 in reserves to be verified. CFCFS2854: Significant time in profession - Clayton Comments: 32+ years at present job CFCFS1736: Significant time at current residence - Clayton Comments: 38 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1149 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 763 FICO score. Minimum required 620. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 13 years & coborrower for 18 years. | |||||||||||||||||||||||||||||||||||||
| 1151 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 462,225.36 or 101.49 months of PITIAReserves Required per AUS = $ 27,055.75 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 19 Years in Current Profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 776 Guidelines allow 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1152 | XXXXXX | XXXXXX | CT | 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 32 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total Available assets $63,701.35 > min required of $21,608.72. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 236 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1154 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date |
No | Insurance effective date is 5/26/2026, disbursement date XXX. No previous policy in file for refinance. |
7/20/2026: Received previous policy period dec page 5/26/2025-5/226-2026. |
7/20/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $446,109.05 or 109.60 months PITI reserves, LP required $82,721.88 reserves to be verified. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 15.29%; guidelines allow 70%. | |||||||||||||||||||||||||||||||||||||
| 1154 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA shows no score due to Non UAD form. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $446,109.05 or 109.60 months PITI reserves, LP required $82,721.88 reserves to be verified. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 15.29%; guidelines allow 70%. | |||||||||||||||||||||||||||||||||||||
| 1155 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 40.99% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $79,991.16 or 22.75 months of PITI. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at same employer. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 86 months housing payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1156 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $143,073.40 or 43.27 months PITI reserves., DU required $6,671.56 in reserves. 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 @ 9.69% | |||||||||||||||||||||||||||||||||||||
| 1158 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $274,802.46; required $19,233.51 reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; Maximum LTV is 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI is 20.36%; Maximum DTI is 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1161 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less |
No | DTI 39%.. and does not include hazard for primary residence. Rental income per worksheet does not coincide with AUS. |
6/30/2026: Received mtg stmnt for primary. $7,045.24 includes escrows. DTI is 36.93%, within 3% tolerance of lender. |
6/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $370,833.33. AUS requirement $91,944.50, CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1750: High potential for increased earnings - Clayton Comments: Each borrower has potential for higher earnings based on their positions and the industries they are employed. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1161 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Insurance documentation missing for primary residence. Mortgage payment does not include taxes and insurance. |
6/30/2026: Received mtg stmnt for primary. $7,045.24 includes escrows. DTI is 36.93%, within 3% tolerance of lender. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $370,833.33. AUS requirement $91,944.50, CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1750: High potential for increased earnings - Clayton Comments: Each borrower has potential for higher earnings based on their positions and the industries they are employed. | |||||||||||||||||||||||||||||||||||||
| 1163 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #93 months, Credit ratio 52.08% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 760 exceeds minimum of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #5 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1166 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No FHLMC LC score - Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 47 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 1169 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current residence over 42 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782. Minimum score required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $218,856.71 or 62.95 months PITI reserves. Required reserves 6,868.93 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1171 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.52% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $92,197.70 or 38.36 months PITI reserves, DU required $22,862.98 reserves to be verified. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1173 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI 29.84% is below guideline max 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1175 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved. Clayton to order BPO |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $83,401.04 or 28.74 mos, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 773 exceeds minimum FICO of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 67 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.99% DTI below guideline requirement of 45%. | |||||||||||||||||||||||||||||||||||||
| 1175 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $83,401.04 or 28.74 mos, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 773 exceeds minimum FICO of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 67 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.99% DTI below guideline requirement of 45%. | |||||||||||||||||||||||||||||||||||||
| 1177 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU score >2.5 Clayton to order desk review |
7/1/2026: CDA provided supports appraised value. |
7/1/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI of 33.27% is below guideline maximum of 45% CFCFS1736: Significant time at current residence - Clayton Comments: 27+ years at primary residence | |||||||||||||||||||||||||||||||||||||
| 1180 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 76 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for over 16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years and 5 months. | |||||||||||||||||||||||||||||||||||||
| 1180 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX |
07.09.2026 - ICD and tracking provided. |
07.09.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 76 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for over 16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years and 5 months. | |||||||||||||||||||||||||||||||||||||
| 1180 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing proof that the taxes and insurance are included in the monthly Mortgage payment of $4,118 with XXX. |
6/19/2026: received XXX mtg stmnt showing full PITI $XXX. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 76 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for over 16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years and 5 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1180 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 76 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for over 16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years and 5 months. | |||||||||||||||||||||||||||||||||||||
| 1183 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Pending copy of affiliated business disclosure provided to borrower. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional income validated, not needed or used for qualifying. XXXDepreciation: 465 + 829+501+1262 + 1331 + 873 + 2158 + 3552 + 847 + 9173 + 4389+2119 = $27,499 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 809 exceeds minimum of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been self-employed > #22 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $197,880.31 or 95.57 months PITIA.Required reserves $12,574.55 per DU approval. CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #226 months, Credit usage ratio 0% | |||||||||||||||||||||||||||||||||||||
| 1184 | 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 | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | Per the appraisal, the subject is Owner occupied, should be Tenant or Vacant. |
7/9/2026: Received corrected appraisal to tenant. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.16%; guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $24,009.86 or 16.04 months PITI reserves, LP required $8,978.52 in verified reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 1184 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.16%; guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $24,009.86 or 16.04 months PITI reserves, LP required $8,978.52 in verified reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 1185 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | Seller fees listed on ALTA Settlement Statement but not Borrower final CD. As the fees are at least reflected there is no material issue. |
(No Data) | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 34+ years at present job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $821,224.50 / 317.27 months PITI > min required of $12,662.82. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 25.84% is below guideline maximum 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has82+ months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 1185 | 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 | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | DU AUS #6/#7 in file both reflect having 0.00% housing expense however housing DTI should reflect as 6.652% (same per 1008), monthly housing expense of $2,536.12 is included in DU all other monthly payments. Provide updated DU reflecting DTI housing expense of 6.652%/ 25.84% vs 0.0%/ 25.84% PIW loan file |
7/2/2026: Received updated Final 1003 and AUS. Lender DTI is now 25.84%. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 34+ years at present job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $821,224.50 / 317.27 months PITI > min required of $12,662.82. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 25.84% is below guideline maximum 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has82+ 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1185 | 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 | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/17/2026: Received BPO supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 34+ years at present job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $821,224.50 / 317.27 months PITI > min required of $12,662.82. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 25.84% is below guideline maximum 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has82+ months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 1185 | 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 | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/17/2026: Received BPO supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 34+ years at present job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $821,224.50 / 317.27 months PITI > min required of $12,662.82. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 25.84% is below guideline maximum 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has82+ months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 1186 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | The ABA is missing from the file. The SPL in the file consists of 6 blank pages. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $727,370.72. CTC $112,478.35 leaves reserves of $614,892.37 or 159.30 mo. Reserves required $7,720.02. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is < the maximum LTV of 95% | |||||||||||||||||||||||||||||||||||||
| 1189 | XXXXXX | XXXXXX | MI | (No Data) |
ATR/ QM: Exempt |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Credit/ Mtg History |
Active | C | C | C | C | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
Yes | XXX bank statement shows earnest money deposit on 2/25/26 in the amount of $20,000 that is unrelated to the subject transaction. Missing documentation to verify the obligation related to the purchase. If purchase was canceled, provide evidence of cancellation. If new debt obtained, loan must be resubmitted to AUS and retain Accept/ Eligible determination. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $81,126.39 / 39.80 months PITIA > min required of $19,126.40. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 20.15%. | |||||||||||||||||||||||||||||||||||||
| 1191 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU returned no score. Clayton to order Desk Review. |
6/19/2026: Received CDA supporting value. |
6/19/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for more than 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.75% is below the guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 1194 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 778 exceeds min score requirement of 620. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 57 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 12 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 12 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1199 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only 25.40% CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 793 exceeds minimum fico requirement of 660 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1202 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ years at present job. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 40.37% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1203 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have 10 years at primary residence. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 20.26% CFCFS2854: Significant time in profession - Clayton Comments: B1 has been XXX 34 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1209 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption |
QM: Rebuttable Presumption (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 805 FICO score; Minimum required 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.17% DTI; Max DTI is 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $56,000.48 or 26.51 months of PITI.$12,672.25 Required Reserves | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1211 | 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: 800 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.14% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $351,616.39 or 137.64 months PITI reserves, DU required $78,827.96 in reserves to be verified. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1214 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $536,748.63; required $68,987.02 reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI ratio 25.61%; Maximum 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1215 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | 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. |
(No Data) | Exception satisfied. Final Grade A. |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO score exceeds guidelines 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years in current residence. | |||||||||||||||||||||||||||||||||||||
| 1215 | XXXXXX | XXXXXX | PA | 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 | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing full consecutive asset statement for XXX XXX, XXX XXX, Interactive Brokers 4080 and XXX XXX. Only one month statements provided have end dates in 3/2026 however DU alert #18 require two consecutive months. Any large deposits must be explained and documented. |
6/30/2026: Received XXX 3/11/2026 stmnt and print out to 4/10/2026. Only 2 days difference. Removed XXX account. Inv accounts require only one month. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO score exceeds guidelines 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years in current residence. | |||||||||||||||||||||||||||||||||||||
| 1215 | XXXXXX | XXXXXX | PA | 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 | PRVAAPPR3116 | Missing updated valuation |
No | CU/LCA score > 2.5. Clayton to order desk review. |
6/17/2026: Received CDA supporting value. |
6/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO score exceeds guidelines 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years in current residence. |
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV7_J17055 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 489 | |
| Loans with Conditions: | 274 | |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 10 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Yes | ||||||||||||||||||||
| 1217 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 17 | 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 | ||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 26 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 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 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 29 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | 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 | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 36 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 43 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 49 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 50 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 65 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 69 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes | ||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 84 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | 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 | ||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 93 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 94 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1218 | XXXXXX | XXXXXX | XXXXXX | D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | No | ||||||||||||||||||||
| 118 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Yes | ||||||||||||||||||||
| 128 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 135 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 140 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 144 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | No | ||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 165 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 168 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 169 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 171 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | 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 | ||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 183 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 185 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 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 | C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 198 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 200 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 208 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes | ||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 219 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 231 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 233 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 237 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | A | D | D | D | D | D | D | D | A | D | D | No | ||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | B | A | A | D | B | C | A | No | ||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | A | A | D | C | D | C | A | A | A | A | D | C | Not Applicable | ||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 263 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 265 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 268 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 269 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 272 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | C | B | D | B | C | A | D | B | C | B | Not Applicable | ||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 274 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 275 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 277 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 285 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 287 | 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 Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 290 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 291 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1216 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | No | ||||||||||||||||||||
| 304 | 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 | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 308 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 311 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 315 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1221 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 325 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 327 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 331 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 332 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 334 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 337 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 338 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 342 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 350 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | B | D | D | D | D | D | D | D | A | D | D | Not Applicable | ||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | XXXXXX | C | C | C | C | A | A | C | B | C | C | C | C | A | A | C | B | Yes | ||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 356 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 357 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 362 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | No | ||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | No | ||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 373 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 383 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 385 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 387 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 393 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 394 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 395 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 396 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 403 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 409 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 410 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1222 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 413 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 416 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | 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 | ||||||||||||||||||||
| 433 | 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 | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | 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 | ||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 452 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | No | ||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 457 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 460 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 466 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 470 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 475 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 481 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 482 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 491 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 492 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 510 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 511 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 512 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&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 | ||||||||||||||||||||
| 513 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 519 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 522 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | No | ||||||||||||||||||||
| 531 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 545 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 550 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 553 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 554 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 557 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 573 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 575 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 580 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 582 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 584 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 601 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 609 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 612 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | A | C | B | D | B | B | B | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 613 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 616 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 620 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 629 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 632 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 636 | 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 | ||||||||||||||||||||
| 638 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 640 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 643 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 646 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&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 | ||||||||||||||||||||
| 647 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 651 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 655 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | B | B | D | C | A | A | D | C | B | B | Not Applicable | ||||||||||||||||||||
| 661 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 669 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 670 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1223 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 677 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 679 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 684 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 696 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 700 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 703 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 706 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 710 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 711 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 713 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | No | ||||||||||||||||||||
| 718 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 719 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 722 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 724 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 728 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 730 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 731 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Not Applicable | ||||||||||||||||||||
| 732 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 736 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 738 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 740 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 742 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 745 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 749 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 751 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 756 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 757 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 758 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 761 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 762 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 764 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 772 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 773 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 777 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 780 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 781 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 782 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 786 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 787 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 788 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 789 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 790 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 792 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 795 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 796 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 797 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 799 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 805 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 807 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 808 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 809 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 810 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 816 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 819 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 821 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 823 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 825 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 826 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 827 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 828 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 830 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 836 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 837 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 841 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 842 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 844 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 845 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 846 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 855 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 858 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 861 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 863 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 870 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 876 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 878 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No | ||||||||||||||||||||
| 879 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 887 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&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 | ||||||||||||||||||||
| 890 | XXXXXX | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 891 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 894 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 900 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 903 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 905 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 907 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 910 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 917 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 921 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 928 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 930 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 936 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 938 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 939 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 941 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 943 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 945 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 947 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 948 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 956 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 958 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 962 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 963 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 965 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 968 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 970 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 971 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 974 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 975 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 983 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 988 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 990 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 991 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 994 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 997 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 1000 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1001 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1006 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1009 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 1011 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1013 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 1016 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1019 | XXXXXX | XXXXXX | XXXXXX | D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1020 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1025 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1028 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1029 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1033 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1035 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1039 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | No | ||||||||||||||||||||
| 1042 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1044 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1046 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1047 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1050 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1051 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1052 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 1061 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1063 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1064 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1065 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1069 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1070 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1073 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1075 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1078 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1085 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1086 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1087 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Not Applicable | ||||||||||||||||||||
| 1089 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1091 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1092 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1093 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1094 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1096 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 1097 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1099 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 1111 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1113 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 1115 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 1116 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1219 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1119 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1121 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1123 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 1124 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1220 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1135 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1136 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1137 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 1138 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1141 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1143 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1146 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1149 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1151 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1152 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1154 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1155 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1156 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1158 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1161 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 1163 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1166 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1169 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1171 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1173 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1175 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1177 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1180 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 1183 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 1184 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1185 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 1186 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 1189 | XXXXXX | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1191 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1194 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1199 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1202 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1203 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1209 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1211 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1214 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1215 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No |