EXHIBIT 99.2
CLAYTON POOL 1 CONDITIONS REPORT
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-J5_J17174 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 132 | |
| Loans with Conditions: | 64 | |
| 23 - Total Active Conditions | ||||||
| 23 - Non-Material Conditions | ||||||
| 4 - Credit Review Scope | ||||||
| 2 - Category: DTI | ||||||
| 1 - Category: Income/Employment | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 19 - Compliance Review Scope | ||||||
| 18 - Category: RESPA | ||||||
| 1 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 68 - Total Satisfied Conditions | ||||||
| 28 - Credit Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 3 - Category: Application | ||||||
| 5 - Category: Assets | ||||||
| 4 - Category: Credit/Mtg History | ||||||
| 1 - Category: DTI | ||||||
| 4 - Category: Income/Employment | ||||||
| 4 - Category: Legal Documents | ||||||
| 5 - Category: Terms/Guidelines | ||||||
| 1 - Category: Title | ||||||
| 11 - Property Valuations Review Scope | ||||||
| 10 - Category: Appraisal | ||||||
| 1 - Category: Property | ||||||
| 29 - Compliance Review Scope | ||||||
| 5 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 2 - Category: Right of Rescission | ||||||
| 1 - Category: State Consumer Protection | ||||||
| 18 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 1 - Total Waived Conditions | ||||||
| 1 - Property Valuations Review Scope | ||||||
| 1 - Category: Property | ||||||
©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-J5_J17174 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 132 | |
| Loans with Conditions: | 64 | |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | 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 | Recurring $200 payments to XXX noted on XXX on XXX and XXX. Provide documentation to verify recurring debt. |
4/14/2026: Lender rebuttal, can add to DTI and still be within tolerance. This is true, we can add it to DTI, but the XXX overlays read that the XXX installment cannot be more than two years for repayment. If we can get the docs to verify that, we can add it to DTI. I’ve updated the comment. |
4/14/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, B2 has been with current employer since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close assets are: $819,172.13 or 105.40 months of PITIA.Required PITI reserves are $7,772.10 X 3 = $23,316.30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, B1 has been with current employer since XXX. | |||||||||||||||||||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, B2 has been with current employer since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close assets are: $819,172.13 or 105.40 months of PITIA.Required PITI reserves are $7,772.10 X 3 = $23,316.30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, B1 has been with current employer since XXX. | |||||||||||||||||||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Recurring $200 payments to XXX noted on XXX XXX on XXX and XXX. |
4/14/2026: Lender rebuttal, can add to DTI and still be within tolerance. This is true, we can add it to DTI, but the 8.18.2025 overlays read that the XXX installment cannot be more than two years for repayment. If we can get the docs to verify that, we can add it to DTI. I’ve updated the comment. |
4/14/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE, B2 has been with current employer since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close assets are: $819,172.13 or 105.40 months of PITIA.Required PITI reserves are $7,772.10 X 3 = $23,316.30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE, B1 has been with current employer since XXX. | |||||||||||||||||||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | AL | 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. |
06.04.2026 — ICD received |
06.04.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI of 16/20% vs Max of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 777 exceeds minimum score requirement of 700 CFCFS2860: Good credit history - Clayton Comments: Good Credit history with no lates nor any major derogs. Excellent fico of 777 | |||||||||||||||||||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | AL | 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. |
06.04.2026 — ICD received |
06.04.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI of 16/20% vs Max of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 777 exceeds minimum score requirement of 700 CFCFS2860: Good credit history - Clayton Comments: Good Credit history with no lates nor any major derogs. Excellent fico of 777 | |||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount |
No | The Pre-Paid interest on Final CD XXX — $402.76 was marked as paid by lender. This amount was readjusted on the PCCD XXX back to being paid by borrower which offsets the calculated total payment amount by $57.00 |
06.18.2026 -PCCD, LOX, copy of refund check and proof of delivery received. |
06.18.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.59%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 19.63% is below guideline maximum 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 62 | 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 | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 0x30x56 months exceeds the required 0x30x12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 794 is above the required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.37% 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 | |||||||||||||||||||||||||||||||||||||
| 263 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 fico score exceeds guidelines 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1270321.30 or 162.65 months of P&I CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 65 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min require 700 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have67 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing documentation for B2’s Co- signed/ Guaranteed liability as indicated under Declarations page of 1003, Item F. |
6/16/2026: Received updated Final 1003, Item F now answered No. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 9.76 months exceeds the required 3 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789is above the required700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of0x30x41 months exceeds the required 0x30x12 months. | |||||||||||||||||||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing documentation for B2’s Co- signed/ Guaranteed liability as indicated under Declarations page of 1003, Item F. |
6/16/2026: Received updated Final 1003, Item F now answered No. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 9.76 months exceeds the required 3 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789is above the required700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of0x30x41 months exceeds the required 0x30x12 months. | |||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | XXX Other Income B2 income is XXX and file having 2024 1040 and file having w2 transcript however w2 transcript do not support the base income of $45,000; 1099 in file for 2025/2024 and 2024 1040 that reflect under other income XXX Distribution (pg 163). File is missing 2024 1040 Transcripts as required by XXX AUS Jumbo guidelines (under Transcripts) when tax returns are used for qualifying purposes, tax transcripts for the most recent one year’s personal returns are required. |
6/18/2026: The 1099s received were in PDF at original review. The 1099-MISC income has federal taxes withheld. The 1040s are required.6/29/2026: Received 2024 1040s. Shows how XXX Income is claimed and taxes paid. 2025 1099- NEC also shows federal taxes. Requirements met. |
6/18/2026: Exception remains.6/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 43% DTI below guideline requirement 50% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 Credit score exceeds guidelines 680 | |||||||||||||||||||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/ Guidelines |
Active | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines |
No | PCG AUS Jumbo guidelines, limited cash out refinance cannot exceed $2,000 (Loan purpose: refinance transactions) Per DU cash back is $1,174.27Per CD/HUD-1 cash back is $5,415.99 (per Final HUD-1 pg 487 and per Final CD) over $2,000 per overlays. Cash out amount exceeds guidelines for limited cash out refinance, Note: HUD-1 (pg 487) do reflect some paid outside closing by Borrower over $5k, only $625 was capture as POC |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 43% DTI below guideline requirement 50% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 Credit score exceeds guidelines 680 | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | KS | 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 | Right of Rescission |
Satisfied | B | B | B | B | CMPROR2043 | Cannot determine if funding date is after rescission period |
No | Unable to determine if funding date is after rescission period — missing ROR form |
06.19.2026 — ROR received |
06.19.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum CLTV 89.99% CFCFS1744: DTI below guideline requirement - Clayton Comments: 26% DTI < max permitted 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 | |||||||||||||||||||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | KS | 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 | Right of Rescission |
Satisfied | D | A | D | A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form |
No | Missing Right of Rescission form |
06.19.2026 — ROR received |
06.19.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum CLTV 89.99% CFCFS1744: DTI below guideline requirement - Clayton Comments: 26% DTI < max permitted of 50% | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.26% is below guideline maximum 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 700 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $5.75 due to increase of SS verification fee From $7 to $12.75 on Final CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery that includes tracking information. |
06.19.2026 — Cure provided via refund |
06.19.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.26% is below guideline maximum 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 700 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Low credit utilization ratio of 13.41% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0 x 30 in 45 months CFCFS2854: Significant time in profession - Clayton Comments: 32 years in profession. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 26.58% is below the guideline requirement of 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 250 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Missing executed 4506 signed by Co- borrower. |
7/23/2026: Received 4506C signed by both borrowers. |
7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $114,739.30 or 13.46 PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.60%; guideline allows 89.99 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 is 75 points above program minimum requirement of 720. | |||||||||||||||||||||||||||||||||||||
| 73 | 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 executed Final CD for sale of XXX to support omitting PITI expense from DTI calculation. Estimated Seller Closing Statement on page 1201 is not signed by Settlement Agent or stamped Certified True Copy. |
6/26/2026: Received Final ALTA dated XXX. |
6/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.31% below guideline max of 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $443,279.22 less funds to close $314,373.02 = reserves $128,906.20. Required reserves 3 mos. PITIA. $10,895.07 * 3 = $32,685.21. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 19 years 9 months at current job. | |||||||||||||||||||||||||||||||||||||
| 73 | 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 executed Final CD for sale of XXX to support omitting PITI expense from DTI calculation. Estimated Seller Closing Statement on page 1201 is not signed by Settlement Agent or stamped Certified True Copy. |
6/26/2026: Received Final ALTA dated XXX. |
6/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.31% below guideline max of 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $443,279.22 less funds to close $314,373.02 = reserves $128,906.20. Required reserves 3 mos. PITIA. $10,895.07 * 3 = $32,685.21. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 19 years 9 months 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 | |||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Post Close Assets are $0; required reserves are $10,111.80 x 3 = $30,335.40; plus six months for financed REO $4,884.27 X 6 = $29,305.62. Total required $59,641.02.All XXXaccounts provided are business accounts and cannot be counted toward reserves per overlays. |
7/10/2026: Received XXX acct stmnts. Verified $86,825.77 in reserves. |
7/10/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have52 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.05% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 75 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5107 | TRID -Seller CD not in file; need in order to complete fee entry |
No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. |
(No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $355,834.04 month > reserve requirement $21,831.90. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.67% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 75 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less |
No | 6/16/2026: Exception added after review of lender rebuttal: Removed B1 income. DTI increased to 23.67%, >3% of lender’s DTI of 20.08%. New AUS required with Approve/ Eligible with DTI within 3%. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $355,834.04 month > reserve requirement $21,831.90. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.67% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | PA | 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 | Assets | Satisfied | C | A | C | A | CRDAST115 | Cash reserves do not meet guidelines |
No | Missing proof of additional assets to meet required reserves $27,718.47. Loan short reserves $5,101.16. Any large deposits must be explained and documented. |
6/18/2026: Received updated XXX stmnts with updated balances and proof EMD cleared. Verified $44,315 reserves. |
6/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @2.01% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 40.88% is below guideline maximum 45% | |||||||||||||||||||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | PA | 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/LCA score is > 2.5; Clayton to order AVM. |
6/11/2026: Received AVM supporting value. |
6/11/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @2.01% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 40.88% is below guideline maximum 45% | |||||||||||||||||||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Provide verification $150K Gift was received by Settlement agent as indicated on Gift Letter. Without these funds, loan is short to close. |
7/20/2026: Received wire receipts for $25K and $125K. |
7/20/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 70% LTV. Max allowed 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 700 | |||||||||||||||||||||||||||||||||||||
| 79 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 61.62 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 Median FICO > 31 points above guideline minimum of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 78.76% is > 11.23% below guideline maximum of 89.99% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $60390.17 or 6.98 months of P&I CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 fico score exceeds guidelines 700 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | The Final CD XXX does not reflect the reason that the borrower will not have an escrow account. However, this was corrected on the PC CD XXX. Exception satisfied |
(No Data) | (No Data) | Non-Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.91% is below guideline of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 48.70% is below guideline maximum of 89.99% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$893,084.03 or 75 months PITI, Required reserves are 3 x $11,847.76 = $35,543.28 | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | IL | 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 | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report |
No | Missing Fraud Report |
7/17/2026: Received XXX Fraud Report. All High Risk alerts cleared, clear XXX. |
7/17/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.91% is below guideline of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 48.70% is below guideline maximum of 89.99% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$893,084.03 or 75 months PITI, Required reserves are 3 x $11,847.76 = $35,543.28 | |||||||||||||||||||||||||||||||||||||
| 249 | 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 | CU/LCA score is >2.5. Clayton to order AVM. (None in the file). |
8/6/2026: Received AVM supporting value. |
8/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $95,543.67 or 10.92 PITI CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 777 is 77 points above program minimum requirement of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guideline allows 89.99% | |||||||||||||||||||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Active | B | B | B | B | 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. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 53.21 months exceeds the required 3 months reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below the maximum allowable of 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 is above the required 700. | |||||||||||||||||||||||||||||||||||||
| 83 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 810 median FICO. Min required 740. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in business 6.67 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 84 | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $75 Zero Percent Tolerance Violation due to increase in Appraisal fee and CDA 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. Satisfied on PCCD. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $208,782.27 or 25 months reserves, required reserves — 3 months PITIA or $24,393.51 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 89 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 score exceeds the 700 minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV with a max 89.99% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $234,763.31 — $225,500 = $9,263.31 60% of IRA assets = $78,173.74 + $9,263.31= $87,437.05 reserves.$6,340.70 PITI * 3 = $19,022.10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 91 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$211,964.12 or 13.85 months PITI. Required PITI reserves are 3 x $15,301.61 = $45,904.83 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.06% is below DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 771 is above guideline minimum of 720 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 92 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 700 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 93 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/ VOR (e.g. cancelled checks) |
No | Per lender UW summary, XXX pays the departing residence XXX Mtg $3,186.92 PITI and excluded payment since Schedule C has Use of Home expense. The file has proof business pays with XXX bk stmnt for XXX, XXX, XXX. The Use of Home expense is limited to the square footage the business uses. It does not cover 100% of the PITI. Provide the remaining nine months business statements XXX- XXX to show business pays the PITI to exclude it from DTI. |
7/16/2026: Received XXX stmnt. XXX mtg paid XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX. Ok to exclude. |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 lowest mid score. Minimum 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.31/40.20 Max 45% | |||||||||||||||||||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $97,224.25 or 7.23 months of PITIA reserves Required PITIA Reserves are $10,378.54 X 3 months = $31,135.62. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 77 points above guideline minimum of 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years at current residence. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 94 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 99 points above guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 7 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 45 months of PITIA reserves more than the months of required reserves. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 257 | 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: Borrower mortgage payment 0x30x64 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14 years & 6 months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 78 points above guideline minimum of 700 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | FL | 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 | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry |
No | Because the Seller CD is not in the file, entry of all seller- paid fees cannot be verified. |
06.19.2026 — Seller CD provided |
06.19.2026 -Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 FICO exceeds minimum 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: 80 below max 89.99 | |||||||||||||||||||||||||||||||||||||
| 96 | 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 | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing from file. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $159451.36 > $41136.60 (3 months > Aus request of 2 months PITIA) CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.08% DTI < 45% product maximum CFCFS1739: Positive mortgage payment history - Clayton Comments: 48+ months positive payment history no 0x30/60/90 lates | |||||||||||||||||||||||||||||||||||||
| 97 | 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: Verified $4,980,781.28 in post closing reserves or 225.45 months PITI.Three months reserves required $22,091.95 X 3 = $66,275.85. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 98 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 798 higher than minimum score of 720 by more than 98 points CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 16.32% is lower than maximum DTI by more than 30 points. CFCFS2860: Good credit history - Clayton Comments: Borrowers have a positive overall credit history | |||||||||||||||||||||||||||||||||||||
| 99 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 33 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years with same employer | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x72 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $136,667.50 or 21.28 months PITI. Required reserves 3 months x $6,422.23 = $19,266.69. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 85 points above guideline minimum of 700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $883,625.68 or 60.09 months PITI.Required reserves 18 months x $15,550.75 = $279,913.50 for loan amount > $2million. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 has additional schedule C income of $1,938.42 monthly not used to qualify. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.639% DTI below guideline requirement of 45% for loan amount >$2million. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 Credit score exceeds guidelines of 720 per program. CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has significant time in profession, 19+ years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | MD | 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 complete copy 2024/2023 Business returns with all schedules for B2. B2 is 100% owner of the business. Business returns for two years required. Returns to support $33,558.21 used to qualify. |
7/21/2026: Received 2024/2023 1120-S for B2. Verified $30,417.29/mo net. DTI 39.85%, within tolerance. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $955,691.24 exceed required reserves $41,215.71. CFCFS1750: High potential for increased earnings - Clayton Comments: Both borrowers are in fields which could warrant higher earnings given the industry in which they are employed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 751. Minimum requirement 720. | |||||||||||||||||||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | MD | 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 | CRDINC2408 | Income verification does not meet guidelines |
No | Missing complete copy 2024/2023 Business returns with all schedules for B2. B2 is 100% owner of the business. Business returns for two years required. Returns to support $33,558.21 used to qualify. |
7/21/2026: Received 2024/2023 1120-S for B2. Verified $30,417.29/mo net. DTI 39.85%, within tolerance. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $955,691.24 exceed required reserves $41,215.71. CFCFS1750: High potential for increased earnings - Clayton Comments: Both borrowers are in fields which could warrant higher earnings given the industry in which they are employed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 751. Minimum requirement 720. | |||||||||||||||||||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a positive overall good credit history. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have maintained a minimal use of credit with low utilization of 10.57% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 806 higher than minimum score of 700 by more than 100 points | |||||||||||||||||||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | CO | 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 | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER146 | Missing lender’s loan approval/ underwriting form |
No | Provide updated 1008 with LP checked as AUS used. Current 1008 has DU checked but lender UWer verifies LP was used. |
7/23/2026: Received 1008 showing LP as AUS used. |
7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a positive overall good credit history. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have maintained a minimal use of credit with low utilization of 10.57% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 806 higher than minimum score of 700 by more than 100 points | |||||||||||||||||||||||||||||||||||||
| 104 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score greater than 2.5; Clayton order AVM |
7/31/2026: Received AVM supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No lates on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 604 months reserve assets exceeds program requirement of 3 months reserve PITI. CFCFS3836: Borrower Net Worth - Clayton Comments: Borrowers have significant net worth with over $5 million in bank/investment deposits. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score exceeds 700 program minimum. | |||||||||||||||||||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 mid score > min required of 700 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 24 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | File is missing tax transcripts. Per guidelines, when tax returns are used for qualification purposes, tax transcripts for the most recent one years personal returns are required. |
7/27/2026: Received 2024/2023 tax transcripts. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.30%; guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Months PITI Reserves31.02 Cash Reserves$189,970.58 exceeds the required $18,372 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 700 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 107 | 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 | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $97,941.15 or 7.93 months PITIA.Reserves required $12,353.08 x 3 months = $37,061.94. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 Credit score exceeds guidelines of 720 per program. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI 29.62% is less than guideline maximum 50%, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 781 FICO score. Minimum required 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 66.89% is less than guideline maximum 89.99%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | SC | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing |
No | Provide mortgage with notary. Page 12 of 12 is not completed. |
7/29/2026: Received fully executed/ notarized DOT. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 22 years and 8 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $417,157.36 > min required reserves of 18 months PITIA OR $379,175.76 CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 9 years and 2 months. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 18.61%. | |||||||||||||||||||||||||||||||||||||
| 110 | 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: Borrower DTI is 4 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 68 points above guideline minimum of 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 25.46 months of PITI reserves more than the 18 months of required reserves. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 112 | 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 | Application | Satisfied | D | A | D | A | CRDAPP157 | Application Not Signed by Primary Borrower |
No | Missing signature on Final and Initial 1003. |
7/15/2026: Received fully executed Initial & Final 1003s. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV 78.76% is less than guideline maximum 89.99%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x238 months positive consumer payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 787 FICO score. Minimum required 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 18 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 9 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30x53 months positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $441,955.79 or 54.29 months PITI meeting guideline requirement of 3 months reserves. | |||||||||||||||||||||||||||||||||||||
| 112 | 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 | Application | Satisfied | D | A | D | A | CRDAPP227 | Application Not Signed by Co- Borrower |
No | Missing signature on Final and Initial 1003. |
7/15/2026: Received fully executed Initial & Final 1003s. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV 78.76% is less than guideline maximum 89.99%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x238 months positive consumer payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 787 FICO score. Minimum required 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 18 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 9 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30x53 months positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $441,955.79 or 54.29 months PITI meeting guideline requirement of 3 months reserves. | |||||||||||||||||||||||||||||||||||||
| 112 | 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 | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER146 | Missing lender’s loan approval/ underwriting form |
No | Missing Lender’s loan approval form 1008. |
7/15/2026: Received 1008. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV 78.76% is less than guideline maximum 89.99%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x238 months positive consumer payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 787 FICO score. Minimum required 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 18 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 9 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30x53 months positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $441,955.79 or 54.29 months PITI meeting guideline requirement of 3 months 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 | |||||||||||||||||||||||||||||||||||||
| 112 | 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/LCA score is >2.5. |
7/15/2026: Received CDA supporting value. |
7/15/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV 78.76% is less than guideline maximum 89.99%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x238 months positive consumer payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 787 FICO score. Minimum required 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 18 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 9 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30x53 months positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $441,955.79 or 54.29 months PITI meeting guideline requirement of 3 months reserves. | |||||||||||||||||||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 700 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete |
No | Provide title commitment complete with all schedules |
7/14/2026: Received Title supps only. Need complete Report.7/30/2026: Received Final Title. |
7/14/2026: Exception remains.7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 8/2004, reporting 0x30 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x61 mortgage payment history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the departing primary residence 10.5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 credit score; 700 minimum required FICO | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | IL | 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 | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | The ABA was not included in the file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | IL | 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 |
Satisfied | D | A | D | A | CMPSTCP2057 | Illinois Pred Lend Database — No Cert of Compliance or Cert of Exemption in file |
No | Certificate of Compliance or Exemption were not in the file. |
6/16/2026: Received IL Anti- Predatory disclosure. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 122 | 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: Qualifying credit score of 783 higher than minimum requirement of 720 by more than 50 points. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history. CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a lifetime of good credit history with no overall historical delinquencies. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 123 | 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. |
7/31/2026: Received SH Status. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 800 is above guideline minimum of 720 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Over 9 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80% is below guideline maximum of 89.99% | |||||||||||||||||||||||||||||||||||||
| 251 | 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: 760 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 6 years and 9 months with 25 years in the field. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 125 | 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 |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17 years, 4 months with current employer. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.13% is below guideline maximum 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years, 9 months at Primary residence. | |||||||||||||||||||||||||||||||||||||
| 127 | 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: 52.20% LTV with a max 89.99% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score exceeds the 700 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $2,157,035.57 — $1,164,880.07 CTC = $992,155.50 — $86,475.50 required reserves = $905,680 reserves. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 128 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | 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 for $XXX as noted on final CD and Post Close CD. |
6/25/2026: Received Final ALTA for PM2. |
6/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.54% is below guideline maximum 45%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 131 | 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 | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File |
No | Unable to review assets pages, showing blank pages (pg 70 -80), corrupt. Please provide assets used for transaction: XXX #XXX and #XXX (per LP and Final 1003) |
6/16/2026: Received legible copy of VOD. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71%; guidelines allow 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $60,133.47 or 7.54 mo. PITI CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.17% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.63% | |||||||||||||||||||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | NJ | 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 | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination |
No | NMLS License not active at the time of application in the state of New Jersey. Per NMLS website. both lender and LO were valid through 2025. Loan app date is XXX. |
6/2/2026: Received verification XXX is current through 2026. The LO info received, XXX, is not on the Final 1003 or on Note, XXX is LO shown.7/16/2026: Received verification renewal is good through 2026. |
6/2/2026: Exception remains.7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .03% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.15%; guidelines allow 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $1,678,726.86 or 228 months of PITIA reserves. Required reserves 3 * PITIA $22,086.51. CFCFS2860: Good credit history - Clayton Comments: 800 mid score > min required of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.37% is below guideline maximum 50%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 134 | 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 | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 42 years in the same profession CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5.08 years at the departing primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $334,049.44 or 40.60 months of PITI.Required PITI Reserves are $8,228.57 X 3 = $24,685.71. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Missing specific fee amount changes on COCs provided. Zero Tolerance Fee of $2,012.2 due to Loan Discount Points increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
06.19.2026 — COC provided |
06.19.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below maximum allowed of 89.99% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 24 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19.76% | |||||||||||||||||||||||||||||||||||||
| 137 | XXXXXX | XXXXXX | OH | 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 | Potential IRS debt noted. Per 2025 tax returns, B1 owes $292,588. No evidence of payment in file. |
7/23/2026: Received verification via XXX screenshot, taxes were paid 4/2026. |
7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Customer has a 3 year history of bonus income not used and 2 year XXX history (Sch C) not used. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 33.83% is lower than max DTI allowed 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 2/4/13. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $523,741.60 or 24.162 months PITIA. Required PITIA reserves are $21,675.92 x 18 months = $390,166.56. | |||||||||||||||||||||||||||||||||||||
| 138 | 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 | CFCFS2860: Good credit history - Clayton Comments: Borrower has a good overall credit history with no historical delinquencies. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 798 is higher than minimum requirement by more than 40 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 30.92% is lower than maximum requirement by more than 10 percentage points. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 139 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 52 monhs CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 19+ years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 13 years, 4 months at Primary residence. CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 30 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 141 | XXXXXX | XXXXXX | WI | 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 from file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.42% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $425,222.85 or 42 months reserves, 3 month PITIA in reserves required or $29,769.12 |
| 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 | |||||||||||||||||||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.32% DTI < 50% product max CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: verified cash reserves $1108097.67 > 18 mos reserves required by product: $236,563.20. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 820 FICO > 720 product minimum CFCFS1739: Positive mortgage payment history - Clayton Comments: 65+ month of positive payment history with no 0x30/60/90 lates | |||||||||||||||||||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | KY | 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 | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of XXX |
8/6/26 - Lender provided initial CD dated and signed 6/12/26. |
8/6/26 - Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.34% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.36% is below guideline maximum 45%. or per the AUS findings CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 700 | |||||||||||||||||||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | KY | 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 | CMPTRID4579 | TRID - CD: Missing Initial CD |
No | Missing Initial CD |
8/6/26 - Lender provided initial CD dated and signed XXX. |
8/6/26 - Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.34% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.36% is below guideline maximum 45%. or per the AUS findings CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 700 | |||||||||||||||||||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | KY | 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 5.0. Clayton to order AVM. |
7/31/2026: Received AVM supporting value. |
7/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.34% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.36% is below guideline maximum 45%. or per the AUS findings CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 700 | |||||||||||||||||||||||||||||||||||||
| 147 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated |
No | File missing Appraiser Certification/ License doc. Copies in the file are from 2022-2023. |
7/24/2026: Received Appraiser license info, valid thru 12/14/2027. |
7/24/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 92 points above guideline minimum of 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 15 years & 6 months at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 40.76 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established |
No | Lender placed Escrow amount of $35,250.71 in Loan Disclosures Escrow Account Section, Non- Escrowed Property Cost on Final CD and PCCD. |
7/27/26 - Lender provided PCCD showing escrow amount. |
7/27/26 - Exception satisfied. |
Non-Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 Median FICO 55 points above guideline minimum of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30 for 85 months exceeds guidelines 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years & 9 months at current residence. | |||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null |
No | Lender placed Escrow amount of $35,250.71 in Loan Disclosures Escrow Account Section, Non- Escrowed Property Cost on Final CD and PCCD. |
7/27/26 - Lender provided PCCD showing escrow amount. |
7/27/26 - Exception satisfied. |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 Median FICO 55 points above guideline minimum of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30 for 85 months exceeds guidelines 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years & 9 months 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 | |||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | DTI | Active | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less |
No | Review DTI 47.05% exceeds guideline 45% with DU Approve/ ineligible by 2.05%. Must be AUS accept to go to 50% DTI. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 Median FICO 55 points above guideline minimum of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30 for 85 months exceeds guidelines 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years & 9 months at current residence. | |||||||||||||||||||||||||||||||||||||
| 252 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 score exceeds the 700 minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.35% LTV with a max 89.99% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $996,996.93 — $10,000 EMD — $501,554.49 = $485,442.44 reserves. (62 months reserves)PITI= $7,728.45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 151 | 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 | Required Affiliate Business Disclosure missing from File. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 13 years in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 score exceeds the 720 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $395,000 deposit 5/12/26 $+ $445,005.70 checking/savings = $840,005.70 — $50,000 EMD — $527,515.35 CTC = $262,490.35 reserves$925,056.63 (60% retirement funds)$262,490.35= $1,187.546.88 reserves$14,970.30 PITI * 18 = $269,465.40 required. | |||||||||||||||||||||||||||||||||||||
| 154 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0 x30 in 99 months CFCFS2854: Significant time in profession - Clayton Comments: 12 years in same profession | |||||||||||||||||||||||||||||||||||||
| 155 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78%; guidelines allow 89.99% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 700 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 36.57% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 720 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have61 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 157 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA -List of homeowners counseling organizations not in file |
No | Missing Homeowners Counseling Organization disclosure dated within 3 days of application date of 5.6.26. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.28; guidelines allow 89.99% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned business 18+ 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 | |||||||||||||||||||||||||||||||||||||
| 157 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR119 | Appraisal documentation does not support occupancy |
No | Appraisal reflects property is vacant, does not appear to be accurate based on photos. Refinance of a primary residence, occupancy should be updated on appraisal. |
8/11/2026: Received cprrected appraisal, owner occ. |
8/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.28; guidelines allow 89.99% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned business 18+ years. | |||||||||||||||||||||||||||||||||||||
| 161 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.45%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Post closing assets $66,527.18 / 9.20 months PITIA > min required of $21,689.85. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 162 | XXXXXX | XXXXXX | ME | 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 | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | All assets in the file are Business accounts. Per overlays, business funds cannot be counted toward reserves. Provide additional assets to cover $24,860.19 required reserves. |
7/30/2026: Received personal acct. Verified $113,702.91 reserves, meeting requirement. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.74% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: 20+ years at primary residence. | |||||||||||||||||||||||||||||||||||||
| 265 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $62,744.84 / 5.36 months PITIA > minimum required of $35,115.75. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 mid score > min required of 700. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | Missing documentation supporting property taxes and hazard insurance for property XXX. |
7/20/2026: Received page from Fraud Report. Provide the tax cert, H06 if applicable.7/27/2026: Received Tax info $2,898.77 annual. |
7/20/2026: Exception remains.7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 79 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $311,420.01 or 22.77 months of PITI. Required PITI reserves are $13,677.23 x 3 = $41,031.69 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.56% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing documentation supporting property taxes and hazard insurance for property XXX. |
7/20/2026: Received page from Fraud Report. Provide the tax cert, H06 if applicable.7/27/2026: Received Tax info $2,898.77 annual. |
7/20/2026: Exception remains.7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 79 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $311,420.01 or 22.77 months of PITI. Required PITI reserves are $13,677.23 x 3 = $41,031.69 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.56% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 175 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have44 months mortgage payment history 0x30. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.58%; guidelines allow 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 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 | |||||||||||||||||||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | B | D | A | D | B | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) |
No | Title lists CCRs (covenants, conditions and restrictions) on Schedule B II, numbers 11-12. No documentation in file. If verified a PUD, corrected appraisal and Mortgage with PUD Rider will be required. |
7/29/2026: Received verification, subject is not in a PUD. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV of 80% is less than max allowed 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $315,444.91 or 34.363 months PITIA. Required PITIA reserves are $9,179.81 x 3 months = $27,539.43. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 7/1/2018 (XXX) and 7/17/2017 (XXX. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 has XXX income from XXX received since XXX not used to qualify. $3,043.33/mo. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 700. | |||||||||||||||||||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | B | D | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score > 2.5. Clayton to order AVM. |
7/31/2026: Received AVM supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV of 80% is less than max allowed 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $315,444.91 or 34.363 months PITIA. Required PITIA reserves are $9,179.81 x 3 months = $27,539.43. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 7/1/2018 (XXX) and 7/17/2017 (XXX. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 has XXX income from XXX received since XXX not used to qualify. $3,043.33/mo. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 700. | |||||||||||||||||||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | B | D | A | D | B | A | A | Property Valuations |
Property | Waived | B | B | B | B | PRVAPROP871 | Property Location unacceptable under guidelines |
No | Ineligible property type. Property zoned agricultural residential district with XXX acres. This exceeds max acreage of 5.0 acres per guidelines. Note: XXX exception in file. |
7/29/2026: Approved waiver is in the file for acreage exceeding guides. |
7/29/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV of 80% is less than max allowed 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $315,444.91 or 34.363 months PITIA. Required PITIA reserves are $9,179.81 x 3 months = $27,539.43. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 7/1/2018 (XXX) and 7/17/2017 (XXX. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 has XXX income from XXX received since XXX not used to qualify. $3,043.33/mo. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 700. | |||||||||||||||||||||||||||||||||||||
| 179 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.88% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | UT | 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 | Loan file is missing Affiliate Business Disclosure. FACTS document reflects Lender has Affiliates. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.36% is below guideline maximum 45%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 184 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 77.95%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.82% is below guideline maximum 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $40,314.57 or 4.92 months of PITI.Required reserves are $8,185.88 * 3 = $24,557.64. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 | XXXXXX | XXXXXX | IL | 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 |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 700 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | IL | 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 |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Been with current employer 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 760/minimum 720 | |||||||||||||||||||||||||||||||||||||
| 189 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.04% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $111,390.51 / 16.35 months PITIA > min required of $28,944.96 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 190 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $175,723.54 or 22 months reserves, 3 months PITIA in reserves required or $23,273.01. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 191 | 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 closing Assets: $944,391.92; required reserves 18 x $15,918.63 = $286,535.34 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.84%; Max DTI is 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 192 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is well below 50% program maximum. DU shows 8.99% DTI. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been XXX for 18 years. CFCFS5269: Minimal use of credit - Clayton Comments: Only two open non-mortgage accounts. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 credit score exceeds 700 program minimum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $226,029.79.Required reserves are $7,986.24 x 3 = $23,958.72 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 80%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37.15% is below guideline maximum 43%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 197 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 89.99%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.17% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 700 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 198 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton
Comments: CFCFS1734: - Clayton Comments: CFCFS1731: Verified - Clayton
Comments: | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 200 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton
Comments: CFCFS1731: Verified - Clayton Comments: CFCFS1737: LTV - Clayton
Comments: | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 201 | 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: CFCFS2860:
Good - Clayton Comments: CFCFS1737: LTV - Clayton
Comments: | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 205 | 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: CFCFS5269: - Clayton Comments: CFCFS1731: Verified - Clayton
Comments: | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 206 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton
Comments: CFCFS1731: Verified - Clayton Comments: CFCFS2860: Good - Clayton Comments: CFCFS1734: - Clayton Comments: | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | AZ | 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 | Missing addenda/ disclosures noted on purchase contract: MC, Buyer Agency, Buyer Adv. |
7/29/2026: Received all additional disclosures. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton
Comments: CFCFS1742: -
Clayton Comments: CFCFS1734: - Clayton Comments: | |||||||||||||||||||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | AZ | 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 | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | File contains both DU and LP. Per 1008 and Tape, DU was the AUS used. File contains LP run same date XXX, with later timestamp. Provide verification which AUS was used. |
7/23/2026: Received screenshot showing DU was the AUS used. |
7/23/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton
Comments: CFCFS1742: -
Clayton Comments: CFCFS1734: - Clayton Comments: |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 700. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 10 years and 9 months. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 18 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/ Employment |
Active | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/ funding |
No | For B2, file is missing VOE within 10 business days prior to closing. VOE is dated XXX and loan closedXXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: B2 has been in same profession for 16 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.37% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 700 | |||||||||||||||||||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID5291 | TRID: CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate |
No | The Initial Escrow Account Disclosure Statement shows the escrow payment of $339.09 monthly. The final CD XXX does not match and shows a monthly escrow amount of $1889.48. |
07.29.2026 — Accurate IEAD provided. |
07.29.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.294%. | |||||||||||||||||||||||||||||||||||||
| 216 | 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 | CFCFS2854: Significant time in profession - Clayton Comments: B2 has been with same employer since 2007. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score exceeds 620 program minimum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | 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 | Terms/ Guidelines |
Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Missing sale contract addendum showing new sale price of $XXX |
7/14/2026: Received addendum showing $XXX sales price. |
7/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Median FICO > 93 points above guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI is 37.22% > 12.79 points below guideline maximum of 50.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 10.71 months PITIA above guideline minimum 0.00 months PITIA. | |||||||||||||||||||||||||||||||||||||
| 219 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 700 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.60% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.65% is below guideline maximum 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.65%; guidelines allow 89.99%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 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 | |||||||||||||||||||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 30.94 months exceeds the required 3 months reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.43% is below the maximum allowable of 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 754 is above the required 700. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 222 | 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 | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 5 years at current job CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 fico score exceeds guidelines 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223 | 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: 745 score exceeds the 720 minimum required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in the same profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $1,447,972.53 or 61.48 months of PITI.$23,552.29 * 18 = $423,941.22 reserves required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $240,063.21 reserve assets or 28 months of reserve PITI.Required reserves $8,320.35 x 3 = $24,961.05 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No lates are on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 credit score exceeds 620 program minimum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 46.44%/maximum 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80.00%/maximum 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 776/minimum 700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX for over 10 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0 x 30 on credit for mortgage history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score exceeds program minimum of 640. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.70% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.999%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 700 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 228 | 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/LCA score is >2.5. Clayton to order Desk Review. |
7/31/2026: Received AVM supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $175,296.22 or 22.66 months of PITI.Required PITI reserves are $7,735.85 x 3 = $23,207.55 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.82%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.54% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| 229 | XXXXXX | XXXXXX | NC | 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 | Please provide confirmation of receipt for CD dated XXX at least 3 days prior to consummation date of XXX. |
8/6/26 - Lender provided confirmation for initial CD dated XXX. |
8/6/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $1,402,580.83 exceed required reserves $30,794.16. CFCFS2854: Significant time in profession - Clayton Comments: 15 years in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 score exceeds the 700 minimum required. | |||||||||||||||||||||||||||||||||||||
| 229 | XXXXXX | XXXXXX | NC | 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 | Please provide confirmation of receipt for CD dated XXX at least 3 days prior to consummation date of XXX. |
8/6/26 - Lender provided confirmation for initial CD dated XXX. |
8/6/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $1,402,580.83 exceed required reserves $30,794.16. CFCFS2854: Significant time in profession - Clayton Comments: 15 years in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 score exceeds the 700 minimum required. | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | NY | 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: CLTV 70% below max CLTV 89.99% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 773 exceeds minimum fico of 720 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 14 years at current job CFCFS5269: Minimal use of credit - Clayton Comments: credit utilization is only 14.70% CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 20 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 231 | 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 | TILA/RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee fail for $40.00 due to addition of collateral review fee. Lender provided PCCD, copy of check, LOX, and proof of delivery. Exception satisfied. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $201631.77 or 25.69 months of P&I CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 fico score exceeds guidelines 700 | |||||||||||||||||||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | CA | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed |
No | Mortgage was not signed by borrower 1 or borrower 2. |
7/29/2026: Received DOT signed as required. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds 700 program minimum. CFCFS3836: Borrower Net Worth - Clayton Comments: Non-occupying borrowers have excellent net worth. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No lates on credit. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on all mortgage loans. | |||||||||||||||||||||||||||||||||||||
| 234 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.19%; guidelines allow 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $122,016.82/11.54 months PITIA > min required of $31,725.18. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 235 | 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 | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Provide evidence of cancellation of the purchase agreement coinciding with the EMD of $XXX wired to Placer Title on XXX. |
8/7/2026: The screenshot received does not specify deposit or withdrawal or amount.8/12/2026: Received signed canceled contract for XXX. |
8/7/2026: Exception remains.8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $824,295.17/72.71 months PITIA > min required of $34,011.33. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.40%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. | |||||||||||||||||||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years, 6 months with current employer. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.79% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 237 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.55% is below guideline maximum 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $231,510.80 or 31.22 months of PITI.Required PITI Reserves are $7,415.40 X 3 = $22,246.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | The Affiliate Business Disclosure is missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $76,484.84; required $0.00 reserves | |||||||||||||||||||||||||||||||||||||
| 239 | 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: 804 mid score > min required of 700 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.86% CFCFS2854: Significant time in profession - Clayton Comments: B2 has been in same profession for 45 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | WI | 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 |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 66 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% below max 89.99 | |||||||||||||||||||||||||||||||||||||
| 241 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.703%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $248,718.08/26.64 months PITIA > min required of $28,013.31. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 242 | 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 is >2.5. Clayton to order AVM. |
7/31/2026: Received AVM supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $392,789.48 / 45.97 months PITIA > min required of $25,635.36. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.167%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. | |||||||||||||||||||||||||||||||||||||
| 243 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 7687 score exceeds the 700 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $371,466.30 — $242,094.03 CTC — $50,000 EMD = $79,372.27 reserves.No reserves required per AUS.$8,426.18 * 3 = $25,278.54 reserves required. CFCFS2854: Significant time in profession - Clayton Comments: 45 years in profession. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 244 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 41 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years at same job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 245 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.28% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 89.99%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 815 mid score > min required of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 25.01% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | UT | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Appraisal fee increased from $675 on LE XXX to $800 on LE XXX without proper COC. A PCCD was mailed to borrower on 07/07 with a proper lender credit disclosed on the CD for the $125 fee violation and the package included a check to refund the borrower of the full $125 violation. Corrected on PCCD. Exception satisfied. |
(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 @ 6% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have268 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | UT | 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 4.5. Clayton to order AVM. |
7/31/2026: Received AVM supporting value. |
7/31/2026: Exception satisfied. |
(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 @ 6% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have268 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: total reserves = $2,240,045.23 post close reserves.$23,621.01 PITI * 18 = $425,178.18 reserves required. CFCFS2854: Significant time in profession - Clayton Comments: 20 and 10 years in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 score exceeds the 740 minimum required. |
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-J5_J17174 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 132 | |
| Loans with Conditions: | 64 | |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 55 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 59 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 263 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 65 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No | ||||||||||||||||||||
| 68 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 70 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 71 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 250 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | ||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 75 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 256 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 249 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 83 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 84 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 89 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | 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 | ||||||||||||||||||||
| 93 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 253 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 94 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 96 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 98 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | ||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | No | ||||||||||||||||||||
| 104 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 105 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 266 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 262 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No | ||||||||||||||||||||
| 110 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 112 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 260 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | No | ||||||||||||||||||||
| 122 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 123 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 128 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 134 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 136 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 137 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 138 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 139 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 140 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 141 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 146 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 147 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 252 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 154 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 156 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 157 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | Not Applicable | ||||||||||||||||||||
| 161 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 162 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 265 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 255 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 176 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | B | D | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 179 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 185 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 191 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 192 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 194 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 197 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 198 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 200 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | 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 | Not Applicable | ||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 216 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 264 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 219 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 221 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 222 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 225 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 228 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 229 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 231 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 234 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 236 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 237 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 238 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 241 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 244 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 247 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |