EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: |
PennyMac | |
| Client Project Name: |
PNMAC PMTLT 2026-CNF7 J17172 | |
| Conditions Report 2.0 |
||
| Loans in Report: |
281 | |
| Loans with Conditions: |
228 | |
| 41 - Total Active Conditions | ||||||
| 15 - Material Conditions | ||||||
| 7 - Credit Review Scope | ||||||
| 2 - Category: Assets | ||||||
| 1 - Category: DTI | ||||||
| 1 - Category: Income/Employment | ||||||
| 2 - Category: Insurance | ||||||
| 1 - Category: Legal Documents | ||||||
| 4 - Property Valuations Review Scope | ||||||
| 2 - Category: Appraisal | ||||||
| 2 - Category: Value | ||||||
| 4 - Compliance Review Scope | ||||||
| 2 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Documentation | ||||||
| 1 - Category: Right of Rescission | ||||||
| 26 - Non-Material Conditions | ||||||
| 1 - Credit Review Scope | ||||||
| 1 - Category: DTI | ||||||
| 25 - Compliance Review Scope | ||||||
| 1 - Category: Borrower’s Interest | ||||||
| 1 - Category: Compliance Manual | ||||||
| 20 - Category: RESPA | ||||||
| 2 - Category: Right of Rescission | ||||||
| 1 - Category: State Consumer Protection | ||||||
| 431 - Total Satisfied Conditions | ||||||
| 63 - Credit Review Scope | ||||||
| 16 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 5 - Category: Assets | ||||||
| 4 - Category: Credit/Mtg History | ||||||
| 3 - Category: DTI | ||||||
| 10 - Category: Income/Employment | ||||||
| 7 - Category: Insurance | ||||||
| 12 - Category: Legal Documents | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 5 - Category: Title | ||||||
| 304 - Property Valuations Review Scope | ||||||
| 292 - Category: Appraisal | ||||||
| 1 - Category: FEMA | ||||||
| 11 - Category: Value | ||||||
| 64 - Compliance Review Scope | ||||||
| 13 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 4 - Category: Compliance Manual | ||||||
| 5 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 2 - Category: Finance Charge Tolerance | ||||||
| 2 - Category: Right of Rescission | ||||||
| 3 - Category: Texas Home Equity | ||||||
| 34 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 1 - Total Waived Conditions | ||||||
| 1 - Property Valuations Review Scope | ||||||
| 1 - 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-CNF7 J17172 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 281 | |
| Loans with Conditions: | 228 | |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | 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 | AUS credit report file #XXX does not match the credit report in file #XXX . Provide missing credit report. |
7/2/2026: Received 4/27/2026 CBR #XXX. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 27+ years with current employer.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.335% | |||||||||||||||||||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH2544 | Missing credit report used in the AUS analysis |
No | AUS credit report file #XXX does not match the credit report in file #XXX. Provide missing credit report. |
7/2/2026: Received 4/27/2026 CBR #XXX. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 27+ years with current employer.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.335% | |||||||||||||||||||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | DU returned 2.6 score. Clayton to order Desk Review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 27+ years with current employer.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.335% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 2 | 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 |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 exceeds minimum guideline requirement
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 49% is less than maximum required of 80% | |||||||||||||||||||||||||||||||||||||
| 2 | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 exceeds minimum guideline requirement
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 49% is less than maximum required of 80% | |||||||||||||||||||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | SC | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage |
No | Missing Mortgage and applicable Rider(s); Mortgage in file is for a different borrower / property |
6/25/2026: Received correct DOT and PUD Rider. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.30% is below guideline maximum 50%.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has significant time in profession of 19 years and 7 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 13 years and 7 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | SC | 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 | State Consumer Protection |
Active | B | B | B | B | CMPSTCP1159 | XXX — Designated Agency Disclosure not in file |
No | Missing XXX Designated Agency Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.30% is below guideline maximum 50%.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has significant time in profession of 19 years and 7 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 13 years and 7 months. | |||||||||||||||||||||||||||||||||||||
| 5 | 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 returned no score due to property type. Clayton to order Desk Review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 811 mid score > min required of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 246 months. | |||||||||||||||||||||||||||||||||||||
| 7 | 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 | LCA score is >2.5. Clayton to order desk review |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $556,306.98 / 251.63 months PITIA > min required of $0.00.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.42%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 35 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 8 | 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 PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $32,699.03 or 6.07 months PITI reserves, DU required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.50% | |||||||||||||||||||||||||||||||||||||
| 8 | 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 PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $32,699.03 or 6.07 months PITI reserves, DU required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.50% | |||||||||||||||||||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | CA | 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 | 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 | Credit Report fee increased and there was no COC for CD XXX nor a Lender’s credit. Increase is 159.00 with no COC . Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
7.24.2026 Lender provided Principal Reduction of 159.00 to borrower , PCCD XXX and LOX |
7.24.2026 Exception Satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence in 21 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 21 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | CA | 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 | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File |
No | Need final CD for sale of XXX. |
7/16/2026: Received Final ALTA showing $928,375.72 total net proceeds. |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence in 21 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 21 years | |||||||||||||||||||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | CA | 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 | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Need final CD for sale of XXX. |
7/16/2026: Received Final ALTA showing $928,375.72 total net proceeds. |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence in 21 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 21 years | |||||||||||||||||||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | CA | 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 3.3>2.5. Clayton to order desk review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence in 21 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 21 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
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 | 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 in the amount of $120.52 due to following increases: Survey fee from added $416 from LE XXX to CD XXX with no valid COC. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenderscure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. |
7.24.2026 Lender provided refund check , LOX PCCD and verification cure was sent to borrower |
7.24.2026 Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL137 | Missing copy of 2nd lien Note (subject is 1st lien) |
No | Provide copy of the Purchase Money 2nd HELOC Note for $XXX. |
7/13/2026: HELOC Note received is for another REO, not subject.7/17/2026: Received correct HELOC Note. |
7/13/2026: Exception remains.7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years. | |||||||||||||||||||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL139 | Missing copy of 2nd lien HUD-1 (subject is 1st lien) |
No | Provide fully executed Final CD/ HUD1 for Purchase Money 2nd for $XXX verifying net proceeds of $152,468.80 as noted on Final CD for primary lien. |
7/13/2026: HELOC Note received is for another REO, not subject.7/17/2026: Received correct HELOC Note. |
7/13/2026: Exception remains.7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years. | |||||||||||||||||||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $83,631.36 post closing reserves, 21.70 PITI for subject property.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $83,631.36 post closing reserves, 21.70 PITI for subject property.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 16 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #7 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 747 exceeds minimum of 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-Borrower has additional validated Bonus income that was not used or needed for qualifying$31,183 / 12 = $2,598.58 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17 | 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 score 3 is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 10/2002, reporting 0x30
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x54 mortgage payment history
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $101,517.88 or 23.31 months of PITI. 0 Required Reserves. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 21 | 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 | LCA score not established . Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.17% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $29,052.16/8.20 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.47%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 754 is 134 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 24 | XXXXXX | XXXXXX | VA | QM: Safe Harbor |
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 |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 22 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 24 | XXXXXX | XXXXXX | VA | QM: Safe Harbor |
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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 22 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | B | D | A | D | B | 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 | Legible credit report missing from file, unable to determine Ability to repay / QM |
6/25/2026: Received legible 3/30/2026 CBR. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 765 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $298,047.58 or 77.69 months of PITI Required PITI Reserves are $0
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX > #11 years | |||||||||||||||||||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | B | D | A | D | B | D | A | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report |
No | Credit reports in file are not legible. |
6/25/2026: Received legible 3/30/2026 CBR. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 765 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $298,047.58 or 77.69 months of PITI Required PITI Reserves are $0
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX > #11 years | |||||||||||||||||||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | B | D | A | D | B | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (not accessed) & CU (3.7) score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 765 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $298,047.58 or 77.69 months of PITI Required PITI Reserves are $0
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX > #11 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | B | D | A | D | B | D | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/9/2026: Exception added after review of trailing docs. Received CDA with Indeterminate value. Clayton to order Field Review. |
7/20/2026: Received Fiele Review supporting value. |
7/20/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 765 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $298,047.58 or 77.69 months of PITI Required PITI Reserves are $0
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX > #11 years | |||||||||||||||||||||||||||||||||||||
| 26 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.74%; guideline allows 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 812 is 192 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $21164.13 or 6.87 PITI | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 29 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32 DTI max DTI 45 %
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 29 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32 DTI max DTI 45 %
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | TX | 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 | CRDINC2408 | Income verification does not meet guidelines |
No | Missing 2025 W2 for borrower 1 from XXX |
7/15/2026: Received 2025 W2. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $65,204.19 or 6.58 months PITI reserves, LP required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.71%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | TX | 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 | Legal Documents |
Satisfied | D | A | D | A | CRDLGL137 | Missing copy of 2nd lien Note (subject is 1st lien) |
No | Missing copy of the 2nd lien note and 2nd lien final CD |
7/17/2026: Received Final HUD1 and Note for 2nd Lien. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $65,204.19 or 6.58 months PITI reserves, LP required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.71%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | TX | 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: LCA score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $65,204.19 or 6.58 months PITI reserves, LP required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.71%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $189,751.85 / 51.82 months PITI > min required of $0.00.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.01%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18 years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved with PIW; Clayton to order BPO |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $107,019.03. No reserves required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.80% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.83%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 162 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $107,019.03. No reserves required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.80% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.83%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 162 months. | |||||||||||||||||||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | MA | 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 | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
No | The finance charges are understated by $185 which exceeds the maximum allowed of $100.00. Unable to determine the source of the understatement. |
7.24.2026 Lender provided cure for 185.00 PCCD LOX and check copy, verification sent to borrower. |
7.24.2026 Exception Satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $271,003.18 / 105.61 months PITIA > min required of $0. | |||||||||||||||||||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | MA | 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 | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT4372 | TILA/ TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
No | The finance charges are understated by $185 which exceeds the maximum allowed of $100.00. Unable to determine the source of the understatement. |
7.24.2026 Lender provided cure for 185.00 PCCD LOX and check copy, verification sent to borrower. |
Exception Satisfied |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $271,003.18 / 105.61 months PITIA > min required of $0. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | MA | 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 | LCA score is 3 >2.5. Clayton to order desk review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $271,003.18 / 105.61 months PITIA > min required of $0. | |||||||||||||||||||||||||||||||||||||
| 39 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5 Clayton to order desk review |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.00%/maximum 95%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment is good with no derogatory events
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.74%/maximum 50% | |||||||||||||||||||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | AZ | 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 | Please provide a current tax certificate for the subject property located at XXX to verify the current tax status, annual property taxes, and any outstanding tax obligations. |
6/29/2026: Received tax info $XXX annual. |
6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has been in same profession for 37 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $772,173.37 or 307.31 months of PITI. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | 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 | Please provide a current tax certificate for the subject property located at XXX to verify the current tax status, annual property taxes, and any outstanding tax obligations. |
6/29/2026: Received tax info $XXX annual. |
6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has been in same profession for 37 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $772,173.37 or 307.31 months of PITI. | |||||||||||||||||||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | AZ | 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. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has been in same profession for 37 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $772,173.37 or 307.31 months of PITI. | |||||||||||||||||||||||||||||||||||||
| 48 | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 16 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 16 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 55 | 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 | Missing Updated Valuation: LCA score is 3 >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25 years. | |||||||||||||||||||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.58% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 813 is 193 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.64%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 266 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 1.58%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $96,018.40/33.42 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.58% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 813 is 193 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.64%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 266 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 1.58%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $96,018.40/33.42 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 58 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @1.34% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | NV | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $26,742.90/9.83 PITIA which is > guideline minimum.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 214 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 2.15%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 333 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.17%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | NV | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $26,742.90/9.83 PITIA which is > guideline minimum.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 214 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 2.15%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 333 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.17%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | HI | 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 | 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 | CD XXX — Recording fee $82.00 Final CD XXX Recording fee $108.00 Need evidence of change of circumstances letter for Ten Percent tolerance, Recording Fee increase from CD XXX to final CD XXX, or a copy of a refund check in the amount of $17.80. There is a COC dated XXX but does not explain what increased |
07.09.2026 -Cure provided |
07.09.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 21+ years at present job
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.92%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/CU score for $XXX updated appraisal. Clayton to order Desk Review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 21+ years at present job
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.92%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing HOA statement for a subject property. The following liabilities were submitted as paid off at or before closing and/or excluded from the debt- to-income ratio; however, supporting documentation was not provided.Please provide evidence that the following debts were paid in full as of the note date (showing a zero balance), or documentation supporting their exclusion from qualifying:XXX Acct. ending XXX Balance: $40,723.00. |
7/15/2026: Received verification $39,523.32 PIF for XXX#XXX. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $17,436.19 /6.5 months PITIA.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | The following liabilities were submitted as paid off at or before closing and/or excluded from the debt- to-income ratio; however, supporting documentation was not provided.Please provide evidence that the following debts were paid in full as of the note date (showing a zero balance), or documentation supporting their exclusion from qualifying:XXX, Acct. ending XXX Balance: $XXX. |
7/15/2026: Received verification $39,523.32 PIF for XXX #XXX. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $17,436.19 /6.5 months PITIA.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing HOA statement for a subject property. |
7/14/2026: Received verification $80/mo. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $17,436.19 /6.5 months PITIA.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $17,436.19 /6.5 months PITIA.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $17,436.19 /6.5 months PITIA.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| 67 | 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 4.5. Clayton to order Desk Review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.60%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.869% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 77.05 months exceeds the required 0 months reserves.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 24 years at current job.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.44% is below the maximum allowable of 97%. | |||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 77.05 months exceeds the required 0 months reserves.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 24 years at current job.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.44% is below the maximum allowable of 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | B | B | B | Compliance | Borrower’s Interest |
Active | B | B | B | B | CMPBI1623 | MA Borrower Interest; Worksheet missing |
No | MA Borrower Interest Worksheet missing |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 fico score exceeds guidelines 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: other income for b2 not used to qualify
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at current job | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | B | 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 orderBPO |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 fico score exceeds guidelines 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: other income for b2 not used to qualify
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at current job | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | B | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 fico score exceeds guidelines 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: other income for b2 not used to qualify
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at current job | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | B | B | B | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/7/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Exterior- only Report 2055. |
7/14/2026: Received 2055 report supporting value. |
7/14/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 fico score exceeds guidelines 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: other income for b2 not used to qualify
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 4+ years at present job
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 4+ years at present job
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 72 | 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 | CU Score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 640
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.31%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 14 years, 2 months 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Provide Funding VVOE for Schedule C business. There is a XXX letter in the file dated XXX, but there are no XXX credentials in the file. A XXX license lookup shows the XXX license was canceled in 2025. |
7/16/2026: Lender rebuttal. In lieu of XXX letter, using bk statements. Clayton disagrees. The bk statements provided are personal statements and show no deposits related to Schedule C business.7/20/2026: Received XXX statements 2/2026, 3/2026 for XXX. LP allows up to 120 days from Note date. Loan closed XXX. |
7/16/2026: Exception remains.7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 29 years and 6 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 29 years and 6 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 29 years and 6 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 77 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 52.02%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 25.90% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 77 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 52.02%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 25.90% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.20% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 qualifying score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.46%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $51,277.51 OR 10.93 months of PITIA reserves > required $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 756 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.15%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower’s credit score of 796 exceeds minimum guideline requirement
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided in their current location for over 16 years
CFCFS2854: Significant time in profession - Clayton Comments: The co-borrower has been in the same profession and employer for over 11 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 83 | 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 | LCA score 3>2.5..Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $264,642.86. No reserves required per AUS.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.78 below max allowed of 45%.
CFCFS2860: Good credit history - Clayton Comments: No major derogatory items listed on credit report. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 87 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 6 years on job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 qualifying score
CFCFS1736: Significant time at current residence - Clayton Comments: 8 years in prior home | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 89 | 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 |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 311 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 89 | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 311 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 90 | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 762 is 142 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $43,739.14/7.73 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 762 is 142 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $43,739.14/7.73 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| 92 | 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: 816 fico score exceeds guidelines 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 2 years at current job
CFCFS1736: Significant time at current residence - Clayton Comments: 23 years at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 96 | 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 3.8 >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 9 years and 1 month.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 98 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.62% DTI with a max 45% allowed.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 score exceeds the 620 minimum required. | |||||||||||||||||||||||||||||||||||||
| 98 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.62% DTI with a max 45% allowed.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 score exceeds the 620 minimum required. | |||||||||||||||||||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | TN | 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 | Missing Seller CD or Final HUD-1 Settlement statement |
07.14.2026- seller cd provided |
07.14.2026 -Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21 % dti below guidelines requirement max DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $341704.10 or 78.87 months of P&I
CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | TN | 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 | LCA (or CU) score is >2.5. Clayton to order desk review |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21 % dti below guidelines requirement max DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $341704.10 or 78.87 months of P&I
CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 104 | 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 | Legal Documents |
Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) |
No | Unable to locate sales contract addendum reflecting sales price $XXX. |
7/17/2026: Received contract addendum signed/ dated XXX. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit..
CFCFS1750: High potential for increased earnings - Clayton Comments: Given borrower is a XXX there is possibility of increased earnings.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 813. AUS requirement 620. | |||||||||||||||||||||||||||||||||||||
| 105 | 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 approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,164,195.58 or 255.63 months of PITI Required PITI Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 772 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #156 monthsMinimal use of revolving credit, 3 paid automobile loans since 2014
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has 2026 Bonus: $50,000 / 12 = $4,166.67 Income was not needed or used to qualify | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 105 | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,164,195.58 or 255.63 months of PITI Required PITI Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 772 exceeds minimum of 620
CFCFS2860: Good credit history - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #156 monthsMinimal use of revolving credit, 3 paid automobile loans since 2014
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has 2026 Bonus: $50,000 / 12 = $4,166.67 Income was not needed or used to qualify | |||||||||||||||||||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | 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. |
No | Loan closed as fixed rate loan. Exception satisfied |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 97%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 150 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 758 is 138 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.00%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $86,327.36/15.65 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 116 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $77862.29 post closing reserves. $0 required.
CFCFS5269: Minimal use of credit - Clayton Comments: $40 per month consumer debt. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/ Deed in file is incomplete |
No | Provide fully executed page 19 of 19 of DOT. Two copies in the file are not completed. |
6/25/2026: Received all pages of fully executed DOT and PUD Rider. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.97%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $141,301.85 or 34.82 months PITI reserves, DU required $13,590.00 in reserves to be verified.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.87% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2864 | Copy of Mortgage/ Deed in file is incomplete |
No | Provide fully executed page 19 of 19 of DOT. Two copies in the file are not completed. |
6/25/2026: Received all pages of fully executed DOT and PUD Rider. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.97%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $141,301.85 or 34.82 months PITI reserves, DU required $13,590.00 in reserves to be verified.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.87% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.97%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $141,301.85 or 34.82 months PITI reserves, DU required $13,590.00 in reserves to be verified.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.87% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.97%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $141,301.85 or 34.82 months PITI reserves, DU required $13,590.00 in reserves to be verified.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.87% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 124 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 3.69% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $299,702.79 OR 46.55 months of PITIA reserves > required $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 qualifying score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $162,427.68 or 40.93 months PITI reserves, LP required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.33% | |||||||||||||||||||||||||||||||||||||
| 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $162,427.68 or 40.93 months PITI reserves, LP required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.33% | |||||||||||||||||||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | B | B | D | B | D | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | RESPA: Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.63%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.16% is below the guideline maximum of 50%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 324 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $46,661.33/12.76 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 3.53%. | |||||||||||||||||||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | B | B | D | B | D | A | D | A | B | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete |
No | Prelim title in file doesn’t reflect complete proposed insured (Borrowers). |
7/16/2026: Received Final Title with correct vesting. |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.63%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.16% is below the guideline maximum of 50%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 324 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $46,661.33/12.76 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 3.53%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | B | B | D | B | D | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.63%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.16% is below the guideline maximum of 50%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 324 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $46,661.33/12.76 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 3.53%. | |||||||||||||||||||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | B | B | D | B | D | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.63%; guidelines allow 95%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.16% is below the guideline maximum of 50%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 324 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $46,661.33/12.76 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 3.53%. | |||||||||||||||||||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 776 is 156 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 146 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $384,126.92/138.73 PITIA which is > guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.66% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 163 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.12%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.94% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. |
7/9/2026: Received BPO |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 163 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.12%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.94% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/9/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Exterior- only Report 2055 |
7/20/2026: Received 2055 Report supporting value. |
7/20/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 163 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.12%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.94% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 140 | 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 | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 183 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV/LTV is 84.80%; guidelines allow 97%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 159 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.23% is below the guideline maximum of 50%.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 5.95%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 818 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $35,254.04 or 16.17 months PITI reserves, LP required $12,970.92 in reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.11% | |||||||||||||||||||||||||||||||||||||
| 265 | 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 | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 149 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 714 is 94 points above minimum program requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | 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 3.9 > 2.5. Clayton to order Desk Review |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 77.29 % LTV < 97% guideline maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 FICO > 620 guideline minimum
CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.86 DTI < 45% guideline max | |||||||||||||||||||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | AZ | 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 | Per AUS guidelines additional documentation to calculate income is required. Provide 2024 W2 or a fully completed standard Verification of Employment to meet the two year requirement. |
7/2/2026: Received WVOE. Verified 365.14/month OT using YTD & 2025 avg. 2024 had higher OT. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 13+ years at current residence
CFCFS2854: Significant time in profession - Clayton Comments: 13+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have136 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | AZ | 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 | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Provide revised LE noted on Compliance Ease report for 4/13/2026. Additional conditions may apply. |
07.14.2026 - Missing LE and COC provided |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 13+ years at current residence
CFCFS2854: Significant time in profession - Clayton Comments: 13+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have136 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | AZ | 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 | CD dated XXX added a fee in Section B (Zero Tolerance section) for $190.00. Missing a valid Change in Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
07.14.2026 - Missing LE and COC provided |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 13+ years at current residence
CFCFS2854: Significant time in profession - Clayton Comments: 13+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have136 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Per AUS guidelines additional documentation to calculate income is required. Provide 2024 W2 or a fully completed standard Verification of Employment to meet the two year requirement. |
7/2/2026: Received WVOE. Verified 365.14/month OT using YTD & 2025 avg. 2024 had higher OT. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 13+ years at current residence
CFCFS2854: Significant time in profession - Clayton Comments: 13+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have136 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | NJ | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 383 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | NJ | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 383 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 156 | XXXXXX | XXXXXX | IN | 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. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 127 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 16.00%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 13 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 187 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.18% is below guideline maximum 45%.
CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 157 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not assessed. Clayton to order Desk Review |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 11+ years at current residence
CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.91% LTV < 80% Guideline maximum
CFCFS1739: Positive mortgage payment history - Clayton Comments: 53+ months of positive mortgage payments no 0x30/60/90 lates > 24 month history required
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $23,089.46 post close cash back reserves exceed guideline requirement: $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO > 620 Guideline requirement | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | B | D | D | D | D | A | A | D | A | D | D | Compliance | Documentation | Active | D | D | D | D | CMPDOC3268 | Note in file is incomplete |
Yes | The Note dated XXX is incorrect. Payments start on XXX and maturity date is XXX The mortgage notary date is XXX The final CD XXX has per diem interest being paid from 05/06 to XXX $1,618.50 The funds disbursed on XXX6 The Right of Recission dates changed and initialed by borrower as of transaction date XXX recend date XXX. Please provide corrected note with correct monthly payment beginning date and maturity date |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.73% DTI; Max DTI is 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 credit score; Minimum FICO is 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x28 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | B | D | D | D | D | A | A | 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 |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.73% DTI; Max DTI is 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 credit score; Minimum FICO is 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x28 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | B | D | D | D | D | A | A | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.73% DTI; Max DTI is 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 credit score; Minimum FICO is 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x28 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 160 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU score is 4.3 >2.5. Clayton to order desk review. |
7/8/2026: CDA provided supports appraised value. |
7/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620 ,
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 308 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 FICO > 620 Minimum per guideline
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Other income: $999.78 documented not used in qualifying
CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.62 LTV < 95% guideline requirement
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22+ Years at current job | |||||||||||||||||||||||||||||||||||||
| 308 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 FICO > 620 Minimum per guideline
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Other income: $999.78 documented not used in qualifying
CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.62 LTV < 95% guideline requirement
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22+ Years 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is ACE/ PIW approved, Clayton to order BPO. |
7/9/2026: Received B PO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.52%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received B PO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.52%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 286 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage of ratio of 2.91%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 794 is 174 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $88,424.56/14.43 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 244 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: HCLTV/CLTV/LTV is 77.16%; guidelines allow 97%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.19% is below the guideline maximum of 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 168 | 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 score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 53 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 FICO exceeds minimum 620 | |||||||||||||||||||||||||||||||||||||
| 296 | 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 | 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 | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX. |
07.14.2026 - ICD received |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 319 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have15 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.19% | |||||||||||||||||||||||||||||||||||||
| 296 | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX. |
07.14.2026 - ICD received |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 319 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have15 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.19% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | MO | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage |
No | Mortgage from XXX that matches the Note |
6/25/2026: Received DOT and Condo Rider. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 813 is 193 points above program minimum requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.54%; guideline allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $2,358,595.28 or 599.06 PITIA | |||||||||||||||||||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | MO | 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 | LCA score not established. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 813 is 193 points above program minimum requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.54%; guideline allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $2,358,595.28 or 599.06 PITIA | |||||||||||||||||||||||||||||||||||||
| 205 | 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 | CU returned no score. Clayton to order Desk Review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 741 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 33+ years at present job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.49% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 175 | 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 PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.64%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $28,523.92/15.21 PITIA which is > guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.49% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 752 is 132 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 175 | 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 PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.64%; guidelines allow 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $28,523.92/15.21 PITIA which is > guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.49% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 752 is 132 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 680 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 115 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years at present job
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .39%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 680 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 115 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years at present job
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .39%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
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 any HOA fees associated with the non- subject property |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $71,815.21. No Funds are required at closing and there are no asset reserve requestions.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.52% with a max LTV of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35% below max 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 712 exceeds minimum fico of 620 | |||||||||||||||||||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
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 any HOA fees associated with the non- subject property |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $71,815.21. No Funds are required at closing and there are no asset reserve requestions.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.52% with a max LTV of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35% below max 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 712 exceeds minimum fico of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
ATR/ QM: Status Pending |
D | D | D | D | D | B | D | D | D | D | D | D | D | A | D | D | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete |
No | Missing the complete Title Report to include Liens, vesting, and tax information |
7/14/2026: Received Prelim Title with all required info. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $71,815.21. No Funds are required at closing and there are no asset reserve requestions.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.52% with a max LTV of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35% below max 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 712 exceeds minimum fico of 620 | |||||||||||||||||||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $71,815.21. No Funds are required at closing and there are no asset reserve requestions.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.52% with a max LTV of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35% below max 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 712 exceeds minimum fico of 620 | |||||||||||||||||||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $71,815.21. No Funds are required at closing and there are no asset reserve requestions.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.52% with a max LTV of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35% below max 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 712 exceeds minimum fico of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Credit | Insurance | Active | D | D | D | D | CRDINSR3278 | Hazard Insurance documentation in file is incomplete |
Yes | The homeowners insurance policy in file is missing the correct lender’s mortgagee clause. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 is 175 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 197 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.06%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.51%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 is 175 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 197 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.06%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.51%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 is 175 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 197 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.06%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.51%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date |
No | Funds disbursed XXX. HOI policy renewal is for 6/4/2026- 6/4/2027. Provide the dec page that was current at time of closing 6/4/2025- 6/4/2026. |
7/13/2026: Received 6/4/2025- 6/4/2026 dec page. |
7/13/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.38 dti < 45% guideline max
CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.8% LTV < 97% guideline maximum
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 FICO > 620 Guideline minimum | |||||||||||||||||||||||||||||||||||||
| 182 | XXXXXX | XXXXXX | OH | 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 | We are missing the applicable XXX/WVOE documentation which includes current/YTD income amounts and total to calculate the employment income for XXX with XXX. Missing evidence of the income type to determine the appropriate calculation and guideline requirements for “other income” received by XXX with XXX |
7/16/2026: Received WVOEs for both borrowers. B2 income is $2,066.42/mo. Also, instead of “Other” income for B1, Clayton used OT and verified $368.38/mo. DTI is now 42.32%, within tolerance of lender. |
7/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.86%; guidelines allow 80%.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 23 years. | |||||||||||||||||||||||||||||||||||||
| 182 | XXXXXX | XXXXXX | OH | 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 | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | We are missing the applicable XXX/WVOE documentation which includes current/YTD income amounts and total to calculate the employment income for XXX with XXX. Missing evidence of the income type to determine the appropriate calculation and guideline requirements for “other income” received by XXX with XXX |
7/16/2026: Received WVOEs for both borrowers. B2 income is $2,066.42/mo. Also, instead of “Other” income for B1, Clayton used OT and verified $368.38/mo. DTI is now 42.32%, within tolerance of lender. |
7/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.86%; guidelines allow 80%.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 23 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 182 |
XXXXXX | XXXXXX | OH | 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 | We are missing evidence of the income type to determine the appropriate calculation and guideline requirements for “other income” received by XXX with XXX |
7/16/2026: received multiple income docs addressing all income doc exceptions |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.86%; guidelines allow 80%.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 23 years. | |||||||||||||||||||||||||||||||||||||
| 182 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | We are missing the applicable XXX/WVOE documentation which includes current/YTD income amounts and total to calculate the employment income for XXX with XXX |
7/16/2026: Received WVOE for B2. Verified $2,066.42/mo. |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.86%; guidelines allow 80%.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 23 years. | |||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | TX | 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 | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements |
No | The loan file is missing the settlement statement/ closing disclosure for REO sold at XXX |
6/25/2026: Received Final ALTA for REO on XXX. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 179 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 7.42%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $242,522.91/46.44 PITIA which is > guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.16% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 307 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | TX | 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 is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 179 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 7.42%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $242,522.91/46.44 PITIA which is > guideline minimum.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.16% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 307 months. | |||||||||||||||||||||||||||||||||||||
| 682 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.92% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 682 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.92% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 fico score exceed guidelines 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41154.18 or 10.74 months of P&I | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 fico score exceed guidelines 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41154.18 or 10.74 months of P&I | |||||||||||||||||||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | AL | 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 |
7/9/2026: Received CDA |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.15%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.12% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | AL | 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 | 7/9/2026: Exception added after review of trailing docs. Received CDA with Indeterminate value. Clayton to order Field Review. |
7/23/2026: Received Field Review supporting value. |
7/23/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.15%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.12% | |||||||||||||||||||||||||||||||||||||
| 171 | 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 | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Missing documentation for Borrower 1 Disability payment of $1,523.93/month. |
7/2/2026: Received VA Disability Award Letter $1,523.93/mo, Service- Connected. |
7/2/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 202 | 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 - Clayton Comments: 802 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18 years at present job
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.04% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 204 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at the subject property for nearly 11 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 701 exceeded min requirement of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in the same profession and on the same job for nearly 15 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 62% is less than the max allowed of 80%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | B | D | D | D | D | A | A | D | A | D | D | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR2043 | Cannot determine if funding date is after rescission period |
No | Missing ROR form. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.76%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | B | D | D | D | D | A | A | D | A | D | D | Compliance | Right of Rescission |
Active | D | D | D | D | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form |
Yes | Missing Right of Rescission form. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.76%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | B | D | D | D | D | A | A | D | A | D | D | 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 $317.15 due to Discount Points fee increased on CD XXX. Missing a Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
07.14.2026 - COC and Missing LE provided |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.76%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | B | D | D | D | D | A | A | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.76%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | B | D | D | D | D | A | A | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.76%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | CO | 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 | Provide Funding VVOE for XXX |
7/15/2026: Received VVOE dated XXX. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO > 620 Guideline minimum
CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.37% LTV < 95% guideline cap
CFCFS1739: Positive mortgage payment history - Clayton Comments: 28+ positive mortgage payments no 0x30/60/90 lates
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $3778.89 verified cash back utilized as reserves exceed required reserves of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 48.77 DTI < 50% guideline maximum | |||||||||||||||||||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | CO | 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 | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Provide Funding VVOE for XXX |
7/15/2026: Received VVOE dated XXX. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO > 620 Guideline minimum
CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.37% LTV < 95% guideline cap
CFCFS1739: Positive mortgage payment history - Clayton Comments: 28+ positive mortgage payments no 0x30/60/90 lates
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $3778.89 verified cash back utilized as reserves exceed required reserves of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 48.77 DTI < 50% guideline maximum | |||||||||||||||||||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | CO | 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 3 > 2.5. Clayton to order Desk Review |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO > 620 Guideline minimum
CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.37% LTV < 95% guideline cap
CFCFS1739: Positive mortgage payment history - Clayton Comments: 28+ positive mortgage payments no 0x30/60/90 lates
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $3778.89 verified cash back utilized as reserves exceed required reserves of $0
CFCFS1744: DTI below guideline requirement - Clayton Comments: 48.77 DTI < 50% guideline maximum | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | MO | 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 | 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 $383.38 due to points increased from LE dated XXX to LE XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
07.14.2026 - COC provided |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have136 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.84% | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | MO | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have136 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.84% | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | MO | 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 PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have136 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.84% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | SD | 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. |
7/9/2026: CDA provided supports appraised value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 8+ years at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0% | |||||||||||||||||||||||||||||||||||||
| 163 | 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 PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.37 months of PITI.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.62% is below maximum allowed 50% | |||||||||||||||||||||||||||||||||||||
| 163 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.37 months of PITI.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.62% is below maximum allowed 50% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | 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 | Initial CD was not provided 3 days prior to closing. Provide proof of borrowing signature |
07.14.2026 -ICD received |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.82%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | CD should have been signed on XXX, the CD provided and executed on XXX. |
07.14.2026 -ICD received |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.82%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.82%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.82%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 231 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.78%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have31 months mortgage payment history 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 28 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 310 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | MO | 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 |
6/30/2026: Received BPO. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.5%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have9 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $4,830.75. No Reserves Required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 193 months.
CFCFS1736: Significant time at current residence - Clayton Comments: 22+ years 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | MO | 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. |
6/30/2026: Received BPO. |
6/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.5%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have9 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $4,830.75. No Reserves Required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 193 months.
CFCFS1736: Significant time at current residence - Clayton Comments: 22+ years at current residence | |||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | MO | 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 | 6/30/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Exterior only report 2055. |
7/9/2026: Received Report 2055 supporting value. |
7/9/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.5%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have9 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $4,830.75. No Reserves Required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 193 months.
CFCFS1736: Significant time at current residence - Clayton Comments: 22+ years at current residence | |||||||||||||||||||||||||||||||||||||
| 234 | XXXXXX | XXXXXX | TN | 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 |
7/9/2026: BPO received has a photo of a home with house #XXX. No LOX as to why. Correction required.7/17/2026: Received 2055 Report supporting value. |
7/9/2026: Exception remains.7/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 3/2004, reporting 0x30
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x29 mortgage payment history
CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.66% DTI; 45% maximum DTI | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 234 | XXXXXX | XXXXXX | TN | 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. |
7/9/2026: BPO received has a photo of a home with house #XXX . No LOX as to why. Correction required.7/17/2026: Received 2055 Report supporting value. |
7/9/2026: Exception remains.7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 3/2004, reporting 0x30
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x29 mortgage payment history
CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.66% DTI; 45% maximum DTI | |||||||||||||||||||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Hazard coverage is insufficient to cover loan amount of $XXX. |
7/13/2026: Received RCE showing $XXX to rebuild. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.36%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 77%; guidelines allow 97%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 259 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan approved with PIW. Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.36%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 77%; guidelines allow 97%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 259 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.36%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 77%; guidelines allow 97%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 259 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 238 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 39%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have81 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | MO | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/ Deed in file is incomplete |
No | Missing pages 16 and 17 of the Deed of Trust; Please provide complete Mortgage/ Security Instrument. |
6/26/2026: Received fully executed DOT, all pages. |
6/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | MO | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing |
No | Notary Status is missing from the Deed of Trust; Please provide complete Mortgage/ Security Instrument. |
6/26/2026: Received fully executed DOT, all pages. |
6/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | MO | 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 | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | HOI min coverage requirement is $XXX. HOI coverage with Ext Reconstruction is $XXX. |
7/13/2026: Received updated HOI with sufficient coverage. Premium increased from $1,951 to $2,049 and is escrowed. Verified with Compliance a PCCD is not required since the increase is low. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2864 | Copy of Mortgage/ Deed in file is incomplete |
No | Missing pages 16 and 17 of the Deed of Trust; Please provide complete Mortgage/ Security Instrument. |
6/26/2026: Received fully executed DOT, all pages. |
6/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | MO | 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 returned no score. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| 684 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO exceeds minimum 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 55 months | |||||||||||||||||||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Credit | Insurance | Active | C | C | C | C | CRDINSR289 | Insufficient Hazard Insurance Coverage |
Yes | The subject homeowner’s insurance policy coverage of $XXX is insufficient for minimum requirement of $XXXK. Subject is an attached PUD. Provide either the PUD Master policy or verification of increased coverage for borrower HOI or RCE. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 224 months.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 248 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 is 162 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.31% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
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 | CU score 2.6. Clayton to order Desk Review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 224 months.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 248 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 is 162 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.31% is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| 246 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.57%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.84%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 129 months. | |||||||||||||||||||||||||||||||||||||
| 246 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.57%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.84%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 129 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | 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 PIW approved. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.60% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55.79%; guidelines allow 80%+.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 has fully documented bonus income that is not included in qualifying income. | |||||||||||||||||||||||||||||||||||||
| 247 | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.60% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55.79%; guidelines allow 80%+.
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 has fully documented bonus income that is not included in qualifying income. | |||||||||||||||||||||||||||||||||||||
| 685 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $333,198.26 verified Reserves. No Reserves Required.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 458 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.16%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have94 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 685 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $333,198.26 verified Reserves. No Reserves Required.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 458 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.16%; guidelines allow 80%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have94 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80.34% is below the maximum allowable of 97%.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 1%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.38% is below the maximum allowable 50%. | |||||||||||||||||||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80.34% is below the maximum allowable of 97%.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 1%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.38% is below the maximum allowable 50%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 7/7/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order 2055 report. |
7/13/2026: Received Report 2055, not supporting value. Lender to order full appraisal. |
7/13/2026: Exception remains. |
Not Applicable |
(No Data) | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80.34% is below the maximum allowable of 97%.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 1%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.38% is below the maximum allowable 50%. | |||||||||||||||||||||||||||||||||||||
| 249 | 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 | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have24 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | SC | 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 | 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 | Provide the CD that was to be disclosed at least 3 business days prior to closing with the borrower’s confirmation of receipt. |
07.14.2026 - ICD received |
07.14.2026 - Exception satisfied |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $150,880 or 61.26 months of P&I > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | SC | 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 | 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. |
07.14.2026 - ICD received |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $150,880 or 61.26 months of P&I > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | SC | 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 | Missing Updated Valuation: LCA score is 3.5 >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $150,880 or 61.26 months of P&I > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | TX | 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 | Texas Home Equity |
Satisfied | C | B | C | B | CMPTXHE5983 | TX Equity - Total fees greater than the allowable cap |
No | Adjusted Charges $8390.49, max charges $6515, difference of $1875.49. Exceeds 2% by .576%. Fees included in calculation $250 Application, $120 credit report, $5879.79 discount, $5 Flood Cert, $161 Mtg Recording, $5 tax cert, $74 Tax Service, $135 Doc prep, $23.70 MERS, $2 Texas guaranty, $485 title closing, $1250 Underwriting. |
(No Data) | 7.24.2026 Exception Satisfied Updated Rules |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.39%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 487 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $9,889.66/3.81 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 752 is 132 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | TX | 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 | Texas Home Equity |
Satisfied | D | B | D | B | CMPTXHE114 | TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) |
No | Missing Notice Concerning Extensions of Credit |
07.14.2026 - Disclosure provided |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.39%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 487 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $9,889.66/3.81 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 752 is 132 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | TX | 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 | Texas Home Equity |
Satisfied | D | B | D | B | CMPTXHE117 | TX Equity - Missing Affidavit of Fair Market Value |
No | Missing Affidavit of Fair Market Value |
07.14.2026 -FMV received |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.39%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 487 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $9,889.66/3.81 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 752 is 132 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | TX | 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 | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title |
No | Loan file is missing title report. |
6/25/2026: Received Short Form final title. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.39%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 487 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $9,889.66/3.81 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 752 is 132 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 264 | 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 |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.94% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at present job | |||||||||||||||||||||||||||||||||||||
| 264 | 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 approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.94% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at present job | |||||||||||||||||||||||||||||||||||||
| 293 | 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 |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 FICO exceeds minimum 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 44 months | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 293 | 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 |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 FICO exceeds minimum 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 44 months | |||||||||||||||||||||||||||||||||||||
| 210 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.94% is below maximum allowed 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 38.54 months of PITI.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below maximum allowed 80% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.10% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.10% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 332 | XXXXXX | XXXXXX | WY | 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 N/A >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7 years and 5 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 40 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO exceeds minimum 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 40 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO exceeds minimum 620 | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.44%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 285 | 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 | Missing Updated Valuation: LCA score of 3 is >2.5. Clayton to order desk review. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.14% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 356 | 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 approved PIW. Clayton to order BPO. |
7/8/2026: BPO provided supports value. |
7/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 127 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 22.22%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at present job | |||||||||||||||||||||||||||||||||||||
| 356 | 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. |
7/8/2026: BPO provided supports value. |
7/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 127 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 22.22%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at present job | |||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Need all pages of the XXX; docs do not provide full breakdown to confirm full dwelling coverage and necessary additional coverage. |
7/20/2026: Received HOI Policy. Replacement cost coverage verified. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower, Tracy has Significant time in profession of 31 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: BPO received does jot have subject photos. House shown is for one with #XXX. Corrected BPO required.7/23/2026: Received BPO supporting value. |
6/30/2026: Exception remains.7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower, Tracy has Significant time in profession of 31 years. | |||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: BPO received does jot have subject photos. House shown is for one with #XXX. Corrected BPO required.7/23/2026: Received BPO supporting value. |
6/30/2026: Exception remains.7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower, Tracy has Significant time in profession of 31 years. | |||||||||||||||||||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | 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: Lender Declared QMSH |
7/13/2026: Exception Satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have71 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 62
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have71 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 62
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have71 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 62
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | B | C | A | D | B | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Missing locked revised LE sent XXX per Compliance ease loan was lock XXX. |
07.14.2026 - Missing LE received |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years with current employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.56% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | B | C | A | D | B | D | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Child support obligation is not verified with divorce decree, separation agreement, or any other written legal agreement. Paystub shows the garnishment. |
7/2/2026: Received Child Support court doc to show $69/week required to pay. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years with current employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.56% | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | B | C | A | D | B | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years with current employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.56% | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | B | C | A | D | B | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years with current employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.56% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | D | A | D | B | C | A | D | B | D | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/7/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Exterior- only 2055 Report. |
7/16/2026: Received Report 2055 supporting value. |
7/16/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years with current employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.56% | |||||||||||||||||||||||||||||||||||||
| 300 | 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 | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Hazard coverage is insufficient to cover loan amount of $XXX. Minimum coverage amount required is $XXX, current dwelling coverage is $XXX and no replacement cost estimate was provided. |
7/14/2026: Received verification Replacement Cost coverage. |
7/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 192 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.33% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 346 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing paystub and W2 for Borrower 1 (XXX. |
7/2/2026: Received WVOE for B1. Verified $7,297.84/mo base income. |
7/2/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.24%; guidelines allow 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have132 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 346 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation |
No | Missing paystub and W2 for Borrower 1 (XXX). |
7/2/2026: Received WVOE for B1. Verified $7,297.84/mo base income. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.24%; guidelines allow 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have132 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 346 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.24%; guidelines allow 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have132 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 346 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.24%; guidelines allow 80%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have132 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 304 | 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 |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.82 below 50% max
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 FICO exceeds 620 minimum | |||||||||||||||||||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.82 below 50% max
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 FICO exceeds 620 minimum | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 FICO exceeds minimum 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24+ years with present employer | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 FICO exceeds minimum 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24+ years with present employer | |||||||||||||||||||||||||||||||||||||
| 310 | 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: 35 % DTI is below guideline requirement of 620
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 fico score exceeds guidelines 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 688 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title |
No | Missing title commitment |
6/25/2026: Received Title Report. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 23+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 688 | XXXXXX | XXXXXX | OH | 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 orderBPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 23+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 688 | XXXXXX | XXXXXX | OH | 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 PIW approved. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 23+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date |
No | HOI dec page in the file is for policy period 6/11/2026- 6/11/2027. Note date is XXX. Provide previous policy period dec page 6/11/2025- 6/11/2026 to verify coverage prior to Note Date |
7/2/2026: Received XXX dec page for 6/11/2025- 6/11/2026. |
7/2/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 10 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 24 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.70%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at present job
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 18 years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.69% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 313 | 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 | LCA score 3.5. Clayton to order Desk Review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 17 years. | |||||||||||||||||||||||||||||||||||||
| 313 | 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 |
FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) |
No | 7/9/2026: Exception added after review of trailing docs: FEMA Disaster #XXX XXX, Tropical Storm XXX. Clayton to order PDI report to verify no damage. |
7/17/2026: Received clear PDI report 7/15/2026. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 17 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 316 | 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 | 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 | $654.20 Ten Percent Tolerance Violation due to added Lenders Title Insurance at or prior to closing without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
7/9/2026: Received 5/27/2026 PCCD showing $820 back to borrower, and copy of check for $820. Still need LOX and proof sent to the borrower.07.13.2026 - LOX and proof of delivery received |
7/9/2026: Exception remains.07.13.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.67 % DTI below product maximum 97%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 FICO > 620 guideline minimum
CFCFS1739: Positive mortgage payment history - Clayton Comments: 40+ months positive payments no 0x30/60/90 lates
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below product max 97% | |||||||||||||||||||||||||||||||||||||
| 316 | 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 | CU Score is 2.8 > 2.5. Clayton to order Desk Review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.67 % DTI below product maximum 97%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 FICO > 620 guideline minimum
CFCFS1739: Positive mortgage payment history - Clayton Comments: 40+ months positive payments no 0x30/60/90 lates
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below product max 97% | |||||||||||||||||||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 fico score exceeds guidelines 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 12 years at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27 % dti below guidelines requirement 45% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 fico score exceeds guidelines 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 12 years at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27 % dti below guidelines requirement 45% | |||||||||||||||||||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/7/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order Exterior- only Report 2055. |
7/15/2026: Received 2055 report supporting value. |
7/15/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 fico score exceeds guidelines 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 12 years at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27 % dti below guidelines requirement 45% | |||||||||||||||||||||||||||||||||||||
| 690 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.86% is below guideline maximum 50%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @5.00%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 296 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 171 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $58,509.73/ 13.66 months PITIA )> min required $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 359 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Credit | Legal Documents |
Active | D | D | D | D | CRDLGL225 | Missing Rider |
Yes | Appraisal reflects the property is a Detached PUD. The Final CD contains HOA dues. Mortgage does not have the PUD Rider selected. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.39% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 160 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 7.59%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 418 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $154,260.36/65.87 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 359 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (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 >2.5. Clayton to order desk review. |
7/9/2026: CDA provided supports appraised value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.39% is below the guideline maximum of 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 160 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 7.59%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 418 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $154,260.36/65.87 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 325 | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) |
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 | Compliance Ease report provided does not show lender QM determination. Clayton verified Rebuttable Presumption. |
7/14/2026: Received RP status. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have102 months mortgage payment history 0x30.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 21+ years at present job
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $16,666.77 or 7.31 months PITI, required reserves $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 84 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $16,666.77 or 7.31 months PITI, required reserves $0.00
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 84 months. | |||||||||||||||||||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Compliance | Right of Rescission |
Satisfied | B | B | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period |
No | Borrower did not sign final CD XXX-2 until XXX. with a disbursement date of XXX ROR in file is dated XXX and expires on XXX The Disbursement date is before the end of the statutory rescission period Please provide LOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to re- open rescission (2 for each recipient). Within 60 days of discovery. |
07.20.2026 - LOX, New NORTCs and proof of delivery received. |
07.20.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 29 years at current job.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.24% is below the maximum allowable of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 820 is above the required 620. | |||||||||||||||||||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Compliance | Right of Rescission |
Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period |
No | Borrower did not sign final CD XXX-2 until XXX. with a disbursement date of XXX ROR in file is dated XXX and expires on XXX The Disbursement date is before the end of the statutory rescission period Please provide LOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to re- open rescission (2 for each recipient). Within 60 days of discovery. |
07.20.2026 - LOX, New NORTCs and proof of delivery received. |
07.20.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 29 years at current job.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.24% is below the maximum allowable of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 820 is above the required 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL140 | Missing subordination agreement for existing junior lien |
No | Missing subordination for the 2nd mortgage with XXX created XXX, open 2nd Mortgage. Nothing to indicate loan is closed but LP shows no 2nd lien in CLTV. |
7/14/2026: Received Reconveyance dated 6/15/2026. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 29 years at current job.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.24% is below the maximum allowable of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 820 is above the required 620. | |||||||||||||||||||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 29 years at current job.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.24% is below the maximum allowable of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 820 is above the required 620. | |||||||||||||||||||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 29 years at current job.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.24% is below the maximum allowable of 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 820 is above the required 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 334 | 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 orderBPO |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have190 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 334 | 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. |
7/7/2026: Received BPO. |
7/7/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have190 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 334 | 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 | 7/7/2026: Exception added after review of trailing docs: Received BPO not supporting value. Clayton to order 2055 Report. |
7/13/2026: Received 2055 report supporting value. |
7/13/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have190 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comm ents: 801 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 183 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to orderBPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.89%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have292 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 183 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.89%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have292 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | HOI Coverage of XXXK per dec page. No indication of extended coverage or GRC. No RCE in the file. Minimum required coverage is XXXK. |
7/21/2026: Received HOI showing Replacement Cost Coverage. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.38%/maximum 95%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.85%, maximum 45%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory events | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.38%/maximum 95%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.85%, maximum 45%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory events | |||||||||||||||||||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.38%/maximum 95%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.85%, maximum 45%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory events | |||||||||||||||||||||||||||||||||||||
| 216 | XXXXXX | XXXXXX | MO | 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 |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 39.68% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $37,417.10 / 15.81 months P&I > min required of $0.
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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 216 | XXXXXX | XXXXXX | MO | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 39.68% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets are $37,417.10 / 15.81 months P&I > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 347 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $16,208.62/4.98 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 713 is 80 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 231 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | 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 score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 FICO exceeds minimum 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 69 months | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 692 | XXXXXX | XXXXXX | IA | 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 | AUS provided missing pages - Missing from Item #34 to end. |
6/25/2026: Received all pages of DU #13. All requirements met. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $5673.07 verified cash reserves > $0 required per guideline
CFCFS1739: Positive mortgage payment history - Clayton Comments: 33+ months of positive payments with no 0x30/60/90 lates
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.76 DTI < 45% guideline maximum
CFCFS1737: LTV below guideline requirements - Clayton Comments: 77.19 % LTV < 97% guideline maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO > 620 Guideline minimum | |||||||||||||||||||||||||||||||||||||
| 692 | XXXXXX | XXXXXX | IA | 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 | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | AUS provided missing pages - Missing from Item #34 to end. |
6/25/2026: Received all pages of DU #13. All requirements met. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $5673.07 verified cash reserves > $0 required per guideline
CFCFS1739: Positive mortgage payment history - Clayton Comments: 33+ months of positive payments with no 0x30/60/90 lates
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.76 DTI < 45% guideline maximum
CFCFS1737: LTV below guideline requirements - Clayton Comments: 77.19 % LTV < 97% guideline maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO > 620 Guideline minimum | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | Appraisal report shows blanks for all subject photos. |
5/5/2026 Received fully legible copy of appraisal. |
5/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $42322.64 exceed the required assets.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower revolving credit is well below the maximum available.
CFCFS2860: Good credit history - Clayton Comments: Both borrower’s have exceptional credit scores and no negative credit impacts. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | Appraisal report has blanks for Building Sketch, Location Map, XXX County Property Map, Flood Map. Provide complete appraisal copy. |
5/5/2026 Received fully legible copy of appraisal. |
5/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $42322.64 exceed the required assets.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower revolving credit is well below the maximum available.
CFCFS2860: Good credit history - Clayton Comments: Both borrower’s have exceptional credit scores and no negative credit impacts. | |||||||||||||||||||||||||||||||||||||
| 365 | 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 | PRVAAPPR167 | Appraisal not Signed |
No | Provide updated report with Appraiser signature on page 6 of 6. |
5/5/2026 Received fully legible copy of appraisal. |
5/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $42322.64 exceed the required assets.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower revolving credit is well below the maximum available.
CFCFS2860: Good credit history - Clayton Comments: Both borrower’s have exceptional credit scores and no negative credit impacts. | |||||||||||||||||||||||||||||||||||||
| 365 | 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 | PRVAAPPR173 | Comp Photos Unacceptable |
No | All comp photos are blanks. |
5/5/2026 Received fully legible copy of appraisal. |
5/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $42322.64 exceed the required assets.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower revolving credit is well below the maximum available.
CFCFS2860: Good credit history - Clayton Comments: Both borrower’s have exceptional credit scores and no negative credit impacts. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 366 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.95% is below the maximum allowable of 95%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 118.12 months exceeds the required 0 months reserves.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.37% is below the maximum allowable 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | 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 | 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 CD in file . Exception satisfied |
(No Data) |
(No Data) | Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.89 DTI max DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $$74,953.38 or 16.18 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | The Disclosure Tracking Summary reflects, the LE XXX was sent to Borrower but not in file. Condition is pending receiving LE |
7/21/26 - Lender provided initial LE |
7/21/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32 % DTI max DTI 45%
CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely |
No | Initial application was taken XXX, the initial LE was not issued until XXX. Greater than the required 3 days |
7/21/26 - Lender provided initial LE. |
7/21/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32 % DTI max DTI 45%
CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | 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 increased due to change in discount points. Per page 989 Loan Analysis, the last LE received was 3/13 which would include this disclosed fee, lender would need to provide the final LE or a PCCD to address the tolerance. |
7/21/26 - Lender provided final in file dated XXX with added Discount points for $759. |
7/21/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 747 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | 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: Lender provided QMSH status |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 747 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller- paid fees were disclosed on the CD |
No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. Condition Satisfied. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $229,980.06 / 64.49 months PITI > min required of $0.00
CFCFS1736: Significant time at current residence - Clayton Comments: 29 years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% | |||||||||||||||||||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $229,980.06 / 64.49 months PITI > min required of $0.00
CFCFS1736: Significant time at current residence - Clayton Comments: 29 years at primary residence
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% | |||||||||||||||||||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $229,980.06 / 64.49 months PITI > min required of $0.00
CFCFS1736: Significant time at current residence - Clayton Comments: 29 years at primary residence
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | TN | 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 | The Affiliated Business Agreement was not included in the package. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 187 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have25 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | TN | 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 approved with PIW; Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 187 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have25 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 187 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have25 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | MO | 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 |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.93%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $30,997.09 or 6.89 months PITI reserves, LP required no reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | MO | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.93%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $30,997.09 or 6.89 months PITI reserves, LP required no reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 385 | 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 | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 270 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 815 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have24 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.72% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 386 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 55.85% is less than the max allowed of 95%.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of credit @ under 10%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower #2 has been in her current profession and with the same company for 11 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 746 exceeds the min requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 3.7 > 2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $4,607.16 verified cash reserves, none required
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 Fico > 620 guideline minimum
CFCFS1739: Positive mortgage payment history - Clayton Comments: 50+ months of positive payment history no 0x30/60/90 lates CFCFS1737: LTV below guideline requirements - Clayton Comments: 33.74 LTV < 97% Guideline maximum | |||||||||||||||||||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | WY | 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 fnma score 3. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 798. Minimum requirement 620.
CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower’s credit minimal trades with monthly payments.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 27.43%. Maximum allowed 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required. Borrower has $9,759.70 post close.
CFCFS1739: Positive mortgage payment history - Clayton Comments: No late payments for mortgage..65 months reviewed. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID5982 | TRID - CD: In the Loan Disclosures Section the Monthly Escrow Payment is inconsistent with the Escrowed Property Costs in Year 1 (SFIG 3.0) |
No | CD: XXX-1 [Last CD] Escrowed Costs Over Year 1, Value: 6077.24. Monthly Escrow Payment, Value: 506.44 |
(No Data) | 7.24.2026 Rule satisfied updated data point. Exception Satisfied |
Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $97,189.22 / 27.57 months PITI > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | 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. |
7/23/2026: Received SH Status. |
7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $97,189.22 / 27.57 months PITI > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | The LCA score is unavailable from the UCDP findings. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $97,189.22 / 27.57 months PITI > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 401 | 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 | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x25 mortgage payment history
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 6/23/2010, reporting 0x30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Please provide Affiliated Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $237,524.73 / 61.02 months PITIA > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/14/2026: Received Safe Harbor status. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $237,524.73 / 61.02 months PITIA > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 405 | 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 | LCA score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.10%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.86%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $91,510.03 or 30.61 months PITI reserves, LP required $17,938.26 in reserves to be verified.
CFCFS1736: Significant time at current residence - Clayton Comments: 40 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $146,865.07 or 30.11 months PITI reserves, DU required $0.00 in reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.77%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 693 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 credit score; 620 minimum required FICO
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 7/2018, reporting 0x30 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 693 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 credit score; 620 minimum required FICO
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 7/2018, reporting 0x30 | |||||||||||||||||||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 408 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.56%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.56%; guidelines allow 80%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.05% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 409 | 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 PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.18%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have24 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 409 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.18%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have24 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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 increased at or prior to closing Initial CD XXX $0.00 fees paid for points Final CD XXX $304.00 fees paid for points Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
07.20.2026 -Cure provided |
07.20.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 362 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.35%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 9.15%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 509 months. | |||||||||||||||||||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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, increase, or a copy of a refund check in the amount of $ 325.50 10% fee increases: Fees increased on Title Services from $0.00 to $175.00 and Settlement closing from high of $544.50 to $695.00 |
07.20.2026 -Cure provided |
07.20.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 362 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.35%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 9.15%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 509 months. | |||||||||||||||||||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 362 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.35%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 9.15%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 509 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 362 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.35%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 9.15%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 509 months. | |||||||||||||||||||||||||||||||||||||
| 413 | 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 $181,479.66 or 40.76 months PITI reserves, DU required no reserves to be verified.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.79% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | 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. |
7/14/2026: Received ATR/QM Points and Fees Test. Nothing specified if safe Harbor or Rebuttable Presumption.7/23/2026: Received SH status. |
7/14/2026: Exception remains.7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have70 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have70 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
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 141 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 44.44%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
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 141 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 44.44%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | MS | 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 |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 36% DTI below guideline max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 fico score exceeds guidelines 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $30487.29 or 13 months of P&I | |||||||||||||||||||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | MS | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 36% DTI below guideline max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 fico score exceeds guidelines 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $30487.29 or 13 months of P&I | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 424 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job
CFCFS1736: Significant time at current residence - Clayton Comments: 11+ years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have60 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $811,250.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXXXXX | XXXXXX | WV | 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: 25+ years at present job
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.32%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $80,296.75 or 14.56 months PITI reserves, DU required no reserves to be verified.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.87%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | 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 SH status. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 428 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 76.99% is less than the max allowed of 95%.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of credit at just over 5%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in her current profession for nearly 11 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 797 exceeds the min requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 431 | 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 PIW approved, Clayton to order BPO |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .59%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $20,837.45. NO Reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 100 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 431 | 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 PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .59%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $20,837.45. NO Reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 100 months. | |||||||||||||||||||||||||||||||||||||
| 436 | 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: 14+ years at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: 45.76 DTI < 50% maximum threshold
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 FICO > 620 product minimum
CFCFS1739: Positive mortgage payment history - Clayton Comments: 82+ months of positive payment history, no 0x30/60/90 lates | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | LCA score >2.5. Clayton to order desk review. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x34 mortgage payment history
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10.33 years in the same profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit score; 620 minimum required FICO | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/8/2026: BPO Provided. |
7/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ Years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO > 620 guideline minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $10633.69, no reserves required for loan
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus, Overtime, Educational assistance not used in qualifying
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below guideline max 97%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.83 DTI < 45% guideline max | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/8/2026: BPO Provided. |
7/8/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ Years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO > 620 guideline minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $10633.69, no reserves required for loan
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus, Overtime, Educational assistance not used in qualifying
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below guideline max 97%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.83 DTI < 45% guideline max | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration date XXX and AUS approval XXX. |
6/15/2026: Client acknowledges Level 2 exception, public only. |
6/15/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ Years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO > 620 guideline minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $10633.69, no reserves required for loan
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus, Overtime, Educational assistance not used in qualifying
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below guideline max 97%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.83 DTI < 45% guideline max | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | BPO Provided does not support appraised value. |
7/20/2026: Received 2055 Report supporting value. |
7/20/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ Years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO > 620 guideline minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $10633.69, no reserves required for loan CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus, Overtime, Educational assistance not used in qualifying
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below guideline max 97%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.83 DTI < 45% guideline max | |||||||||||||||||||||||||||||||||||||
| 444 | 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. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $77,885.95 or 22.06 months PITI reserves, DU required no reserves to be verified.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.97%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.23% | |||||||||||||||||||||||||||||||||||||
| 445 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL139 | Missing copy of 2nd lien HUD-1 (subject is 1st lien) |
No | Provide Final CD for Purchase Money 2nd of $XXX. |
7/16/2026: Received copy of the Note dated XXX The OPB $XXX shows as an Additional Deposit on Final CD. This is acceptable. |
7/16/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.95%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | ID | 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 |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.09%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is unavailable. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: The borrower has fully documented bonus income which is not needed or being used to qualify.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 702 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.42%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $72,196.86 / 17.11 months PITI > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA — List of homeowners counseling organizations not in file |
No | List of homeowners counseling organizations not in file please provide. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.07 DTI below product guideline max 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO > 620 Product Minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15248.96 verified cash reserves, no reserves required per product guideline | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | No ABA or Facts sheet please provide. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.07 DTI below product guideline max 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO > 620 Product Minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15248.96 verified cash reserves, no reserves required per product guideline | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | 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 | Initial LE XXX and Final CD XXX but no initial CD provided. |
07.09.2026 — ICD received |
07.09.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.07 DTI below product guideline max 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO > 620 Product Minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15248.96 verified cash reserves, no reserves required per product guideline | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | 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 | Initial LE XXX and Final CD XXX but no initial CD provided. |
07.09.2026 — ICD received |
07.09.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.07 DTI below product guideline max 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO > 620 Product Minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15248.96 verified cash reserves, no reserves required per product guideline | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | 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. |
7/23/2026: Received SH status. |
7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.07 DTI below product guideline max 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO > 620 Product Minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15248.96 verified cash reserves, no reserves required per product guideline | |||||||||||||||||||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Score 3 > 2.5. Clayton to order desk review |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.07 DTI below product guideline max 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO > 620 Product Minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15248.96 verified cash reserves, no reserves required per product guideline | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | TN | 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 approved with PIW; Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $31,118.13 > 0 Reserves Required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.94%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have43 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | TN | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 300 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $31,118.13 > 0 Reserves Required
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.94%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have43 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.12%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $940,618.11 or 158.40 months PITI reserves, LP required no reserves to be verified. | |||||||||||||||||||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | 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. |
7/14/2026: Received SH status. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 763 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $89,701.58 or 14.43 months of PITI Required PITI Reserves are $0
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX > #10 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | 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. |
7/14/2026: Received Safe Harbor status. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 460 | XXXXXX | XXXXXX | IA | 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 $45,205.08/ 16.55 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 464 | 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 4.3 is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $40,309.55 or 9.73 months of PITI.0 Required Reserves.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 12.42 years in the same profession
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 470 | 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 - Clayton Comments: Minimal usage of available revolving credit lines @ 7.66%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 471 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.02%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close Assets $69,496.66 or 12.09 months of PITI. Required reserves are $41,998 (XXX Open acct #XXX)
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 39.36% is below guideline maximum 45%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 38 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | 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 3.898% fees charged, exceeding max 3% allowed. Verify if there is a bonafide fee. |
7/15/2026: Received Compliance Report, shows 7.99% Undiscounted Rate. Bonafide fee verified. Fees total 2.858%. Loan is SH. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.93% | |||||||||||||||||||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Clayton verified 3.898% fees charged, exceeding max 3% allowed. Verify if there is a bonafide fee. |
7/15/2026: Received Compliance Report, shows 7.99% Undiscounted Rate. Bonafide fee verified. Fees total 2.858%. Loan is SH. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.93% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure: Provide ABA or FACTS sheet. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.93% | |||||||||||||||||||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.93% | |||||||||||||||||||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.93% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 474 | 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 | Missing the Affiliate Business Disclosure in file. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 48.88%; guidelines allow 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $56,407.34 OR 12.22 months of PITIA reserves > required $27,706.19
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 qualifying score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 477 | 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 3.9. Clayton to order Desk Review. |
7/9/2026: Received CDA. |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 40 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.22%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 477 | 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 | 7/9/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order Field Review. |
7/23/2026: Received Field Review supporting value. |
7/23/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 40 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.22%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Credit | Assets | Active | D | D | D | D | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
Yes | Per Final 1003, there is an additional gift of $40K. There is no gift letter, source of funds or proof of receipt. Without these funds, loan is short funds to close. |
7/14/2026: Received Gift Letter and $10K gift check verified. Provide a copy of the $30K gift check. |
7/14/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV < 97% Guideline maximum
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.70%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.79$ DTI < 45% guideline maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 FICO > 620 product minimum
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ Years at current job | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (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 not assessed. Clayton to order desk review |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV < 97% Guideline maximum
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.70%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.79$ DTI < 45% guideline maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 FICO > 620 product minimum
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ Years at current job | |||||||||||||||||||||||||||||||||||||
| 480 | XXXXXX | XXXXXX | ID | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Compliance Manual |
Active | B | B | B | B | CMPMAN2992 | 1003 — Initial Application is not Accurate |
No | Missing initial 1003 from submission |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.05% LTV below 80% guideline maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 FICO > 620 guideline minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $27825.34 cash reserves > than $0 required | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 480 | XXXXXX | XXXXXX | ID | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3552 | TRID — Loan Estimate not timely |
No | Missing Initial LE dated within 3 days of the XXX Application Date. |
07.14.2026 — Initial LE provided |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.05% LTV below 80% guideline maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 FICO > 620 guideline minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $27825.34 cash reserves > than $0 required | |||||||||||||||||||||||||||||||||||||
| 481 | XXXXXX | XXXXXX | SC | 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. |
7/21/2026: Received SH Status. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 257 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.27%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 184 points above minimum program requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 484 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.86% is below guideline maximum 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14+ years at present job | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 484 | 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 | LCA returned no score., Clayton to order CDA. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.86% is below guideline maximum 45%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14+ years at present job | |||||||||||||||||||||||||||||||||||||
| 486 | 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 PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 820 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.90%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $47,075.16 / 15.24 months PITIA > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| 486 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 820 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.90%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $47,075.16 / 15.24 months PITIA > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 490 | XXXXXX | XXXXXX | 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 - Clayton Comments: Minimal usage of available revolving credit lines @ 4.72%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $133,714.78 or 35.06 months PITI reserves, DU required no reserves to be verified.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.48% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 492 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $724,479.82 OR 150.07 months of PITIA reserves > required $0.00
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 17.59% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 qualifying score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 493 | XXXXXX | XXXXXX | VA | 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 | CMPRESPA2704 | RESPA — List of homeowners counseling organizations not compliant |
No | List of homeowners counseling organizations pages 2-4 are not completed. Missing all details of each Agency. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have82 months mortgage payment history 0x | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 496 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | Missing signed Final CD, Only one CD provided dated XXX |
07.09.2026 — Missing disclosures provided |
07.09.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 credit score; 620 minimum required FICO
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 12.17 years in the same profession
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 503 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID |
No | NMLS # XXX is listed under XXX Final 1003 has XXX, which cannot be located on NMLS website. |
7/23/2026: Received verification XXX has fictitious name also XXX as of 3/23/2023. |
7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $56,675.97 or 18.88 months of PITI.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower’s representative credit score of 780 significantly exceeds the minimum required credit score of 640 | |||||||||||||||||||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | IL | 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 missing Affiliated Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $70,336.03 or 17.65 months PITI Cash reserves, DU required no reserves to be verified.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | IL | 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 |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $70,336.03 or 17.65 months PITI Cash reserves, DU required no reserves to be verified.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $70,336.03 or 17.65 months PITI Cash reserves, DU required no reserves to be verified.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.58%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have153 months mortgage payment history 0x30 | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 509 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9 years and 1 month.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 11 years. | |||||||||||||||||||||||||||||||||||||
| 509 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9 years and 1 month.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 11 years. | |||||||||||||||||||||||||||||||||||||
| 510 | 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 | LCA score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $100,979.83 or 22.95 months PITI reserves, LP required no reserves to be verified.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.65% | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | 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. |
7/14/2026: Received Safe Harbor status. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 9+ Years at current job
CFCFS1744: DTI below guideline requirement - Clayton Comments: 16.07 DTI < 45% guideline maximum
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO > 620 guideline minimum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $116045.33 verified cash reserves, no reserves required
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No Major mortgage related occurrences in past two years
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B2 receives bonus income, not being used in qualifying
CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.49% LTV < 95% guideline minimum | |||||||||||||||||||||||||||||||||||||
| 521 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $38,942.88 or 14.34 months of PITI Required PITI Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 746 exceeds minimum of 620
CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Borrower put down additional funds for LTV/ HCLTV 55.32%, Product maximum 80% + with Private mortgage insurance up to 95% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | 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. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $38,912.21/8.24 PITIA which is > guideline minimum.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 458 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 802 is 182 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.00%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 223 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 529 | XXXXXX | XXXXXX | 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 have 37 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.75%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $690,790. No Reserves required.
CFCFS1736: Significant time at current residence - Clayton Comments: 38+ years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 531 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Title supplement is missing spouse’s name: XXX to match Security Instrument |
7/15/2026: Received updated Title. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #4 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $42,666 or 9.4 months of PITI Required PITI Reserves are $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 801 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | 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 HUD1 from the sale of XXX |
7/9/2026: Received LOX and non- contingent contract for REO. Per LP 5401.20, PITI is allowed to be omitted from the DTI. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 44+ years at present job | |||||||||||||||||||||||||||||||||||||
|
Deal |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller- paid fees were disclosed on the CD |
No | Not all required seller- paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 44+ years at present job | |||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property |
No | Missing the HUD1 from the sale of XXX |
7/9/2026: Received LOX and non- contingent contract for REO. Per LP 5401.20, PITI is allowed to be omitted from the DTI. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 44+ years at present job | |||||||||||||||||||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | WA | 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 | 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 | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX. |
7/13/26 — Lender provided Initial CD dated XXX and signed XXX. |
7/13/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,216,720.62 / 168 months PITIA > min required of $0.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 129 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | WA | 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 | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX. |
7/13/26 - Lender provided Initial CD dated XXX and signed XXX. |
7/13/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,216,720.62 / 168 months PITIA > min required of $0.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 129 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 539 | XXXXXX | XXXXXX | MT | 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. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit at 0%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 768 exceeds the min requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 71.18% is less than the max allowed of 95%. | |||||||||||||||||||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | VA | 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 | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file |
No | Missing the list of homeowners counseling organizations. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x45 mortgage payment history
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 6.67 years in the same profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $414,050.39 or 52.85 months of PITI;$47,006.52 Required Reserves. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | VA | 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 | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the required Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x45 mortgage payment history
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 6.67 years in the same profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $414,050.39 or 52.85 months of PITI;$47,006.52 Required Reserves. | |||||||||||||||||||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | VA | 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 | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Missing acknowledgment of LE XXX prior to initial CD XXX. |
XXX - LE signed XXX received. |
07.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x45 mortgage payment history
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 6.67 years in the same profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $414,050.39 or 52.85 months of PITI;$47,006.52 Required Reserves. | |||||||||||||||||||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | VA | 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 | LCA score 5 is >2.5. Clayton to order desk review |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x45 mortgage payment history
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 6.67 years in the same profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $414,050.39 or 52.85 months of PITI;$47,006.52 Required Reserves. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 544 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 42% DTI below guidelines max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 fico score exceeds guidelines 620
CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence | |||||||||||||||||||||||||||||||||||||
| 548 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $535,070.91/118.58 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 1.07%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 548 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $535,070.91/118.58 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 1.07%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 549 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan approved with PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have41 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.63%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 549 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have41 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.63%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | 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 |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 7 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | CA | 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 | CRDINC2408 | Income verification does not meet guidelines |
No | Must be supported by: A paystub and W-2s that covers the most recent two-year period, orA fully completed standard Verification of Employment (1005). |
7/2/2026: Received WVOE covering 22 months. |
7/2/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | CA | 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 is 2.6 >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | CA | 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. |
7/14/2026: Received Safe Harbor status. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $67925.66 or 9.97 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | CA | 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 > 2.5. Clayton to order desk review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $67925.66 or 9.97 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 695 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.32%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Verified liquid assets total $14,938.85. Final CD requires $131,699.01 cash to close. Missing XXX#XXX to evidence $28,280.02 and XXX #XXX to evidence $168,017.77; document and source sufficient funds to close & to show transfer to XXX account since Cashier Check to Title for funds to close was drawn from XXX account. |
7/16/2026: Received both XXX stmnts. This is sufficient to verify funds to close covered. |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the departing primary residence 7.58 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score; 620 minimum required FICO
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x32 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | AZ | 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 |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the departing primary residence 7.58 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score; 620 minimum required FICO
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x32 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | AZ | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the departing primary residence 7.58 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score; 620 minimum required FICO
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x32 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | C | D | D | D | D | C | C | D | C | 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 | The income for XXX of $8,050.00/monthly is unsupported. The Contract from XXX is not fully executed per missing the employers signature and date. Moreover, hourly earnings from a new employer may only be used to qualify when there is a guaranteed minimum number of weekly hours which is not reflected in the contract and no base salary is noted. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $540,127.84/ 63.62 months PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | C | D | D | D | D | C | C | D | C | D | D | 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 |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $540,127.84/ 63.62 months PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | C | D | D | D | D | C | C | D | C | D | D | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Missing evidence Last LE XXX was received prior to Initial CD XXX. |
7/13/26 - Lender provided documentation borrower received LE dated XXX was received on 4/28/26. |
7/13/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $540,127.84/ 63.62 months PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | C | D | D | D | D | C | C | D | C | D | D | Credit | Income/ Employment |
Active | C | C | C | C | CRDINC888 | Income Amount is Unsupported by Documentation in File |
Yes | The income for XXX of $8,050.00/monthly is unsupported. The Contract from XXX is not fully executed per missing the employers signature and date. Moreover, hourly earnings from a new employer may only be used to qualify when there is a guaranteed minimum number of weekly hours which is not reflected in the contract and no base salary is noted. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $540,127.84/ 63.62 months PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | C | D | D | D | D | C | C | D | C | D | D | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/7/2026: Received CDA. |
7/7/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $540,127.84/ 63.62 months PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | C | D | D | D | D | C | C | D | C | D | D | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 7/7/2026: Exception added after review of trailing docs: Received CDA not supporting value. Clayton to order Field Review. |
7/14/2026: Received Field Review not supporting value. Lender to order a full appraisal. |
7/14/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $540,127.84/ 63.62 months PITI > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 12+ years in profession.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 score exceeds the 620 minimum required.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $776,077.35 - $50,000 EMD - $231,314.90 CTC = $494,762.45 reserves.Using 60% of retirement funds for reserves.$593,012.90 * 60% = $355,807.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | 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. |
7/23/2026: Received SH status. |
7/23/2026: Exception satsified. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15 years at current job | |||||||||||||||||||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $217,793.94Reserves not required
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 66 months
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years with present employer | |||||||||||||||||||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | GA | 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 score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $217,793.94Reserves not required
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 66 months
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years with present employer | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | A | A | D | C | D | C | 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 | Lender did not provided ATR/QM calculation or service. |
7/17/2026: Received SH status. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 9/1/2012.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened October 1995 (B2).
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Credit | Assets | Active | C | C | C | C | CRDAST3036 | Assets reflect unsourced deposits |
Yes | Deposits to XXX XXX of $5,000 (3/31/26) and $5,000 (4/6/26) from XXX should be sourced although below the large deposit threshold. If either came from the XXX statements provided, loan would be short assets to close. Note: there is a transfer of $6,000 on 3/20/26 from XXX XXX that does not show on any of the XXX accounts. |
7/17/2026: Received one page showing the deposits in question. The highlighted number is a Web ID, not an account #. Issue is not resolved. |
7/17/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 9/1/2012.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened October 1995 (B2).
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) |
No | Missing evidence XXX is authorized to sell property for the XXX Trust dated 11/21/12. |
7/14/2026: Received Final ALTA showing included in Seller info. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 9/1/2012.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened October 1995 (B2).
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is not reporting. Clayton to order desk review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 9/1/2012.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened October 1995 (B2).
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 578 | XXXXXX | XXXXXX | UT | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.02% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.0% | |||||||||||||||||||||||||||||||||||||
| 578 | XXXXXX | XXXXXX | UT | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.02% is below guideline maximum 45%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.0% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 579 | 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. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.39%; guidelines allow 95%.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 4.59%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 750 is 130 points above minimum program requirement of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 113 months. | |||||||||||||||||||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
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 | CRDINC2408 | Income verification does not meet guidelines |
No | Income for B1, must be supported by either a YTD pay stub documenting all YTD earnings and W-2(s) for the most recent calendar year, or a written VOE documenting all YTD earnings and earnings for the most recent calendar year. |
7/10/2026: Received paystubs. Used base income only. DTI is within tolerance. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.26%; guidelines allow 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (or CU) score is N/A >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.26%; guidelines allow 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 583 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32 % DTI max DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $146,298.25 or 26.65 months of P&I | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 584 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: 43% DTI below max DTI 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 fico score exceeds guidelines 620
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: other income not used to qualify | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 585 | 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 |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 585 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 587 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less |
No | Lender verified 44.95% DTI. Clayton verified 45.44% DTI. The 45% threshold has been breached and there is no tolerance allowed. Clayton verified lower Commission income of $7,776.91/month than lender’s $7,899.80/month. Provide updated AUS with Approved Risk Class with DTI at 45.44%. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have310 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 587 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/9/2026: BPO provided supports appraised value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have310 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 587 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: BPO provided supports appraised value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have310 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 588 | 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 PIW approved, Clayton to orderBPO |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31% DTI below guidelines requirements max DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $12451.08 or 2.50 months of P&I | |||||||||||||||||||||||||||||||||||||
| 588 | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 fico score exceeds guidelines 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31% DTI below guidelines requirements max DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $12451.08 or 2.50 months of P&I | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score could not be assessed. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.21%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have161 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 590 | 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 | CU score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 7.52%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 176 points above minimum program requirement of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 162 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.89%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 313 months. | |||||||||||||||||||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Provide HELOC 2nd lien Note. |
7/20/2026: Received 1st lien Note and Final CD. Still need 2nd lien Note and Final CD.7/23/2026: Received Final CD and Balloon Note. |
7/20/2026: Exception remains.7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.82% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL137 | Missing copy of 2nd lien Note (subject is 1st lien) |
No | Provide HELOC 2nd lien Note. |
7/20/2026: Received 1st lien Note and Final CD. Still need 2nd lien Note and Final CD.7/23/2026: Received Final CD and Balloon Note. |
7/20/2026: Exception remains.7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.82% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL139 | Missing copy of 2nd lien HUD-1 (subject is 1st lien) |
No | Provide HELOC 2nd lien Final CD. |
7/20/2026: Received 1st lien Note and Final CD. Still need 2nd lien Note and Final CD.7/23/2026: Received Final CD and Balloon Note. |
7/20/2026: Exception remains.7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.82% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 592 | 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 | CU Score outside tolerance. Clayton to order CDA. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 21 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 594 | 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 |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.36% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 594 | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.36% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 595 | 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 orderBPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have162 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 595 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have162 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 596 | 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 | CU score not established. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have 5 years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $f21,792.39 exceed required reserves $20,616.32.
CFCFS5269: Minimal use of credit - Clayton Comments: Low use of consumer credit, credit line usage 4.75%. | |||||||||||||||||||||||||||||||||||||
| 597 | XXXXXX | XXXXXX | GA | 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. |
7/13/2026: Received Safe Harbor status. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 695 FICO > 620 Product minimum
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at current job
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years at current job
CFCFS1736: Significant time at current residence - Clayton Comments: 10+ years at current residence
CFCFS1739: Positive mortgage payment history - Clayton Comments: 54+ months positive payment history with no 0x30/60/90 lates | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 603 | XXXXXX | XXXXXX | AL | 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. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 37.97% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 769 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 696 | 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 | Missing Updated Valuation: LCA (or CU) score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $71,898.18 or 19.53 months of PITI. | |||||||||||||||||||||||||||||||||||||
| 609 | 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 (or CU) score is >2.5. Clayton to order deskreview. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have216 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 610 | 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 | Missing Updated Valuation: CU (4.5) score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Borrower has additional down payment. LTV / HVLTV Product maximum 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $96,576.08 or 21.62 months of PITI Required PITI Reserves are $26,797.12Additional assets validated > $3,506,337
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 805 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | NJ | 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. |
7/7/2026: Received CDA. |
7/7/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at primary residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $2,464,833.64 / 424.40 months PITI > min required of $11,839.00. | |||||||||||||||||||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | NJ | 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 | 7/7/2026: Received CDA not supporting value. Clayton to order Field Review. |
7/17/2026: Received Field Review supporting value. |
7/17/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at primary residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $2,464,833.64 / 424.40 months PITI > min required of $11,839.00. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 613 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.70%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $195,224.21 / 103.88 months PITIA > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 613 | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.70%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $195,224.21 / 103.88 months PITIA > min required of $0.00.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 616 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU (3.5) score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower provided current lease agreement for XXX, in the amount of $2000 per month. Income was not needed or used for qualifying, due to missing validation for initial month rent and security deposit check copies
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 703 exceeds minimum of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #10 years
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with employer > #6 years | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 618 | 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 | Required Affiliate Business Disclosure missing |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 720 is 100 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $247,100.01/41.01 PITIA which is > guideline minimum.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 619 | 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 - Clayton Comments: 773 fico score exceeds guidelines 620
CFCFS2860: Good credit history - Clayton Comments: No Lates within the past 24 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 784 exceeds the min requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit at under 24%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $103,708.89 or 22.68 months of PITIA from Cash Out Proceeds. No reserves are required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 625 | XXXXXX | XXXXXX | UT | 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 |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7 years and 5 months. | |||||||||||||||||||||||||||||||||||||
| 625 | XXXXXX | XXXXXX | UT | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7 years and 5 months. | |||||||||||||||||||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | NC | 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 | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.26% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | NC | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.26% | |||||||||||||||||||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.26% | |||||||||||||||||||||||||||||||||||||
| 633 | XXXXXX | XXXXXX | AZ | 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 | Missing the Seller CD. |
07.09.2026 — Seller CD provided |
07.09.2026 -Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 12/21/1994, reporting 0x30
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.86% DTI; 45% maximum DTI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score; 620 minimum required FICO | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 633 | XXXXXX | XXXXXX | AZ | 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 4.2 is >2.5. Clayton to order desk review |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 12/21/1994, reporting 0x30
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.86% DTI; 45% maximum DTI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score; 620 minimum required FICO | |||||||||||||||||||||||||||||||||||||
| 634 | XXXXXX | XXXXXX | PA | 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 | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Provide page 3 of Final CD. |
6/25/2026: Received Pages 1,2,4,5 and Addendum to Final CD — this was in original PDF. Still need page 3 of Final CD.6/29/2026: Received all pages of Final CD. |
6/25/2026: Exception remains.6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.81%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 634 | XXXXXX | XXXXXX | PA | 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 2.8. Clayton to order Desk Review. |
7/7/2026: Received CDA supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.81%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 639 | XXXXXX | XXXXXX | CT | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.38%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 639 | XXXXXX | XXXXXX | CT | 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. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.38%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 640 | 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 |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10 years and 0. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 640 | 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 approved PIW. Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10 years and 0. | |||||||||||||||||||||||||||||||||||||
| 641 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 20 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 20 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $85,929.65 / 33.23 months PITIA > min required of $0.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.33% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 643 | 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: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 170 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 644 | 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 | LCA score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 234 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.65%; guidelines allow 80%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.74%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 645 | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 21 years at primary residence
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 @ 2.10%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 645 | 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 approved PIW. Clayton to order BPO. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 21 years at primary residence
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 @ 2.10%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | UT | 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 - Clayton Comments: Post closing assets $250,068.62 / 36.21 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.66 % is below guideline maximum 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 650 | 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 | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 19+ years at present job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.72% is below guideline maximum 43%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 651 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 710 exceeds the min requirement of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in the same profession for over 17 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 35.76% is below the max allowed of 80%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 651 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/9/2026: Received CDA supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 710 exceeds the min requirement of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been in the same profession for over 17 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 35.76% is below the max allowed of 80%. | |||||||||||||||||||||||||||||||||||||
| 653 | 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 |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33 % DTI below max DTI 45 %
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 653 | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33 % DTI below max DTI 45 %
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 654 | 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 - Clayton Comments: Post Close Assets are $25,074.77 or 13.32 months of PITI.0 Required Reserves.
CFCFS2854: Significant time in profession - Clayton Comments: B2 has 7 years in the same profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 credit score; 620 minimum required FICO
| ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller- paid fees were disclosed on the CD |
No | Not all required seller- paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $192,946.50 Verified cash reserves exceed $0 required
CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.55% DTI < 50% guideline maximum
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.18%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV < 97% guideline maximum | |||||||||||||||||||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $192,946.50 Verified cash reserves exceed $0 required
CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.55% DTI < 50% guideline maximum
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.18%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV < 97% guideline maximum | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/30/2026: Received BPO supporting value. |
6/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $192,946.50 Verified cash reserves exceed $0 required
CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.55% DTI < 50% guideline maximum
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.18%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV < 97% guideline maximum | |||||||||||||||||||||||||||||||||||||
| 665 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | CU returned no score. Clayton to order Desk Review. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.41%; guidelines allow 95%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 668 | 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 | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have51 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.14%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 155 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $282,287.24 no reserves required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 669 | XXXXXX | XXXXXX | DC | 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 |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.18 DTI < 45% guideline maximum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $75957.09 verified cash exceed guideline requirement of $218.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.160%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO > 620 Minimum fico guideline requirement | |||||||||||||||||||||||||||||||||||||
| 669 | XXXXXX | XXXXXX | DC | 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. |
7/9/2026: Received BPO supporting value. |
7/9/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.18 DTI < 45% guideline maximum
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $75957.09 verified cash exceed guideline requirement of $218.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.160%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO > 620 Minimum fico guideline requirement | |||||||||||||||||||||||||||||||||||||
| 671 | 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 | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $99,694.17 /15.18 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 671 | 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 | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Provide legible copies of the XXX Bk statements. Copies in the file have distorted font. |
7/10/2026: Received legible copy of the bk stmnts. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $99,694.17 /15.18 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 672 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32% dti below guidelines requirement of max DTI 45%
CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at current residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $78549.39 or 27.72 months of P&I | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 678 | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $55,654.71 / 9.82 months PITIA > min required of $0.00.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.99% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 678 | 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. |
7/7/2026: Received BPO supporting value. |
7/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $55,654.71 / 9.82 months PITIA > min required of $0.00.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.99% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| Client Name: |
PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF7 J17172 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 281 | |
| Loans with Conditions: | 228 | |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 1 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | No | ||||||||||||||||||||
| 2 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 7 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 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 | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 15 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 16 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 17 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 21 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 24 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 25 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | B | D | A | D | B | D | A | Not Applicable | ||||||||||||||||||||
| 26 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 29 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 30 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 31 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 39 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 47 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 58 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | B | B | B | Not Applicable | ||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 77 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 82 | 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 |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 83 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 87 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 89 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 92 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 96 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 98 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 104 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 116 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | B | B | D | B | D | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 140 | 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 |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | 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 | ||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 156 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 157 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | B | D | D | D | D | A | A | D | A | D | D | No | ||||||||||||||||||||
| 160 | 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 | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 166 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 168 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 296 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 680 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | B | D | D | D | D | D | D | D | A | D | D | No | ||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | B | A | A | D | D | D | D | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 182 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | ||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 682 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 171 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | B | D | D | D | D | A | A | D | A | D | D | Not Applicable | ||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | No | ||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Yes | ||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | No | ||||||||||||||||||||
| 231 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 234 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 238 | 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 |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | 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 | ||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | XXXXXX | D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 685 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 249 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 293 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | ||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | 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 | Not Applicable | ||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 285 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 356 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Yes | ||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 299 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | D | A | D | B | C | A | D | B | D | A | Not Applicable | ||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 346 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | 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 | ||||||||||||||||||||
| 310 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 688 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 316 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 318 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 690 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 691 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 359 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 325 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 334 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 183 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 216 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 692 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | ||||||||||||||||||||
| 365 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 366 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 371 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 385 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | No | ||||||||||||||||||||
| 401 | 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 |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | No | ||||||||||||||||||||
| 405 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 693 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 408 | 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 | ||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 413 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 419 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 420 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 424 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 425 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 428 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 431 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 436 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 438 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | No |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 440 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 444 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 445 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 454 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | C | B | D | B | C | A | D | A | C | B | No | ||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 456 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 460 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 464 | 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 | ||||||||||||||||||||
| 471 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 477 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | D | D | D | D | D | A | A | A | No | ||||||||||||||||||||
| 480 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 481 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 484 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 486 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 490 | 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 | ||||||||||||||||||||
| 493 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 496 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 503 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 509 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 510 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 521 | 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 | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 529 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 531 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 539 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 544 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 548 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 549 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Yes | ||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 695 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 560 | XXXXXX | XXXXXX | XXXXXX | D | D | C | C | D | C | D | D | D | D | C | C | D | C | D | D | No | ||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | XXXXXX | D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 578 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 579 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 583 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 584 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 587 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 588 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 590 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 591 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 597 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 603 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 696 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 609 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 610 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 613 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 616 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 618 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 619 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 625 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 633 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | No | ||||||||||||||||||||
| 634 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 639 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 640 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 641 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 643 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 644 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 650 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 651 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 653 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 654 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 656 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 665 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Not Applicable | ||||||||||||||||||||
| 668 | 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 | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 671 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 672 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 678 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable |