EXHIBIT 99.7
CLAYTON POOL 2 CONDITIONS REPORT
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC Jumbo J17220 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 59 | |
| Loans with Conditions: | 15 | |
| 0 - Total Active Conditions | ||||||
| 8 - Total Satisfied Conditions | ||||||
| 2 - Credit Review Scope | ||||||
| 1 - Category: DTI | ||||||
| 1 - Category: Title | ||||||
| 3 - Property Valuations Review Scope | ||||||
| 3 - Category: Appraisal | ||||||
| 3 - Compliance Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Finance Charge Tolerance | ||||||
| 11 - Total Waived Conditions | ||||||
| 1 - Property Valuations Review Scope | ||||||
| 1 - Category: Property | ||||||
| 10 - Compliance Review Scope | ||||||
| 9 - Category: RESPA | ||||||
| 1 - Category: Right of Rescission | ||||||
©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 Jumbo J17220 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 59 | |
| Loans with Conditions: | 15 | |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 52 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU/LCA score is >2.5. |
7/13/2026: Received XXX BPO report supporting value |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$724,900.96, Required reserves are 3 x $8,574.48 = $25,642.44
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 807 is above guideline minimum of 700
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 Years at current job | |||||||||||||||||||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $157,671.54 or 24.12 months of P&I > min required of $0.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 86 | XXXXXX | XXXXXX | MD | 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 796 FICO score. Minimum required 700.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV 80% is less than guideline maximum 89.99%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x138 positive consumer payment history.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.45% is less than guideline maximum 50% with AUS approval.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer for 9 years and 9 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 87 | 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 | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
8.11.2026 — Client agreed to waive non- material conditions. |
8/11/2026: Exception waived. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at departing residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19+ years with same employer | |||||||||||||||||||||||||||||||||||||
| 88 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Property Valuations |
Property | Waived | C | B | C | B | PRVAPROP871 | Property Location unacceptable under guidelines |
No | This loan is ineligible because the subject property is located in a XXX, is zoned XXX (XXX), and consists of XXX acres, which exceeds the maximum allowable acreage of XXX acres. |
8.11.2026 — Client agreed to waive non- material conditions. |
8/11/2026: Exception waived. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 Median FICO > 76 points above guideline minimum of 720
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI is 29.59% > 20.41 points below guideline maximum of 50.00%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 91.96 months PITIA above guideline minimum 3.00 months PITIA. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 21 years & 9 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 95 points above guideline minimum of 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 209 months of PITI reserves more than the 6 months of required reserves. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score >2.5. Clayton to order AVM. |
8/4/2026: Received AVM supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
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 796 is above the required 700.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $100,608.66 exceeds the required $38,158.09 reserves. | |||||||||||||||||||||||||||||||||||||
| 103 | 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 have 0x30x99 months positive mortgage payment history.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 19.83% is below guideline maximum 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 808 FICO. Minimum required 700.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x507 positive consumer payment history.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV 69.99% is less than guideline maximum 89.99%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 106 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work 15 years.Co-borrower has been in the same line of work 15 years and 10 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 9 years and 6 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 12.06%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Title exceptions show CCRs (number 15) as part of title. Appraisal does not indicate a PUD. Please verify. |
7/29/2026: Lender verified not a PUD. Rural property, no HOA. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $863,441.30 or 91.11 months PITIA. Required PITIA reserves are $9,484.03 x 3 months = $28,452.09.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is less than max allowed 89.99%.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 3/1/1993.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 753 exceeds required FICO of 700. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | 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: Credit score of 801 is 101 points above program minimum requirement of 700.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guideline allows 89.99%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $366,713.59 or 47.23 PITI | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 115 | XXXXXX | XXXXXX | NV | 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 | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Loan file is missing Affiliate Business Disclosure. FACTS document is also missing from loan file to determine Affiliates / No Affiliates to Lender. |
8.11.2026 — Client agreed to waive non- material conditions. |
8/11/2026: Exception waived. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have69 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 49%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close reserves are $205,942.98 or 27.14 months of PITI.Required PITI Reserves are $7,587.58 X 3 months = $ 22,762.74
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years. | |||||||||||||||||||||||||||||||||||||
| 117 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.35%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $211,849.52Program requires 3 months reserves of PITI of $29,355.39.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 810. Minimum score per program is 700. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 118 | 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: 14.23% DTI with a max 50% allowed.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV with a max 89.99% allowed.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $793,991.22 — $242,721.55 — $65,500 deposits/EMD = $485,769.67 reserves$7,644.11 PITI * 3 = $22,932.33AUS assets required = $1,157 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 119 | XXXXXX | XXXXXX | WI | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $120,486.38 or 13.5 months PITI. Required PITI reserves are 3 x $8,913.85 = $26,741.44.
CFCFS1746: Significant housing expense reduction - Clayton Comments: Reducing housing expense by 9.32%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 17.91% is below DTI 45%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 74.12% is below guideline maximum of 89.99% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 30 in 57 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets of $2,411,361.28 exceed the $40,713.42 required reserves.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 24.54%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 102 points above guideline minimum of 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 62 months of PITI reserves more than the months of required reserves.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years & 6 months at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 124 | 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 reserves $216,125.60 or 21.26 months PITIA exceed guideline amount of $10,164.01 x 3 months of PITI Reserves are $30,492.03 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 80.00% is > 9.99% below guideline maximum of 89.99%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI is 29.36% > 20.64 points below guideline maximum of 50.00%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 | 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: 785 mid score > min required of 700
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have206 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 | 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 788 FICO score. Minimum required 700.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50%; guidelines allow 89.99%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 135 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 Median FICO > 53 points above guideline minimum of 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $54,889.96 or 6.34 months PITIA above guideline minimum 0.00 months PITIA.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 37.49% > 12.51 points below guideline maximum of 50.00%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 X 30 IN 67 MONTHS
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years with same employer
CFCFS1736: Significant time at current residence - Clayton Comments: 12+ years at departing residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | OR | 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 | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
8.11.2026 — Client agreed to waive non- material conditions. |
8/11/2026: Exception waived. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 22 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 700 | |||||||||||||||||||||||||||||||||||||
| 145 | 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 | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 10 years.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 30 in 65 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 21.75%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 148 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: 18+ years at departing residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 FICO exceeds minimum 720 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | 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: Borrowers have > 40.07 months PITIA above guideline minimum 0.00 months PITIA.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 Median FICO > 94 points above guideline minimum of 700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 150 | 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 | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing from file. |
8.11.2026 — Client agreed to waive non- material conditions. |
8/11/2026: Exception waived. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Mid score of 793 > 700 required
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.59 below guideline of 89.99 | |||||||||||||||||||||||||||||||||||||
| 152 | 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 | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure document. |
8.11.2026 — Client agreed to waive non- material conditions. |
8/11/2026: Exception waived. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.47% is below guideline maximum 50%.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have91 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @14.00%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 720
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,075,556.28 or 76.39 months of PITI> min required $42,240.21
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 253 months. | |||||||||||||||||||||||||||||||||||||
| 153 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: 22+ years at primary residence
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.00%
CFCFS2854: Significant time in profession - Clayton Comments: 23+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.72% LTV; 89.99% maximum LTV
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 737 FICO score. Minimum required 700.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 14.92 years with present employer |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 159 | 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: 801 Median FICO > 101 points above guideline minimum of 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 27.20 months PITIA above guideline minimum 0.00 months PITIA. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 160 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $184474.15 or15.77months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 fico score exceeds 700
CFCFS2854: Significant time in profession - Clayton Comments: 5 years in the profession | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | 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 | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ years at present job
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.00%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.95% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,681,703.16 / 176.01 months PITIA > min required $29,273.98.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 19 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 700
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets $1,475,095.66 minus funds to closing of $812,306.66 = $662,789 (74 months PITIA_PITIA $8,678.95 x 3 mos reserves = $26,036.85
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.25% well below max CLTV 89.99%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 787 exceeds minimum 700
CFCFS2854: Significant time in profession - Clayton Comments: B1 12 years in same profession | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 165 | 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 | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure |
8.11.2026 — Client agreed to waive non- material conditions. |
8/11/2026: Exception waived. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 99 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO exceeds minimum 720 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 167 | 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 | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
No | Finance charges per CD $XXX, review calculation $XXX. Difference of $-249.93. Fees included in calculation are: $8.50 credit monitoring, $11960 Discount, $6.50 Flood cert, $4162.77 Prepaid interest, $1195 Processing, $86 Tax service, $24.95 MERS, $17 recording service, $575 Settlement, $1195 Underwriting, $25 Wire and $250 warehouse fee. Mavent located in file also failing Finance charge testing. |
8/5/26 — Lender provided LOX explaining the discrepancy and cure of $305 along with the corrected PCCD. |
8/5/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 score exceeds the 700 minimum required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.02% DTI with a max 45% allowed.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.29% LTV with a max 89.99% allowed. | |||||||||||||||||||||||||||||||||||||
| 167 | 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 | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT4372 | TILA/ TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
No | Amount financed per CD $XXX, review calculation $XXX. Difference of $250. |
8/5/26 — Lender provided LOX explaining the discrepancy and cure of $305 along with the corrected PCCD. |
8/5/26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 score exceeds the 700 minimum required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.02% DTI with a max 45% allowed.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.29% LTV with a max 89.99% allowed. | |||||||||||||||||||||||||||||||||||||
| 167 | 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 | Right of Rescission |
Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used — H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same- lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. |
8.11.2026 — Client agreed to waive non- material conditions. |
8.11.2026 — Exception waived. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 score exceeds the 700 minimum required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.02% DTI with a max 45% allowed.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.29% LTV with a max 89.99% allowed. | |||||||||||||||||||||||||||||||||||||
| 168 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 3 months — $7,783.01 x 3 = $23,349.03 requiredPost close reserves $88,239.49
CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.34 below max 45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 169 | 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 | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 30 in 45 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower and co-borrower have been in their lines of work for 10 years each.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 44.15% is below the guideline maximum requirement of 50%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | 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 | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 768 median FICO. Min required 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 172 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6 years at current job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $127074.38 or 15.71 months of P&I | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 173 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
8.11.2026 — Client agreed to waive non- material conditions. |
8.11.2026 — Exception waived. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO exceeds minimum 740
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years with present employer | |||||||||||||||||||||||||||||||||||||
| 174 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.04% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $156,103.55 or 17.72 months of PITIA. Required 3 mos. PITI reserves, $8,810.70 x 3 = $26,432.10.
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 80%; guidelines allow 89.99%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A |
A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 12 years and 2 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 15 years.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 30 in 82 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 fico score exceeds guidelines 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $598,049.00 or 58 months of P&I | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $2,357,298.04 or 83.22 months PITIA above guideline minimum 18 months x $28,324.43 = required $509,839.74.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 21.04% > 23.96 points below guideline maximum of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 Median FICO > 6 points above guideline minimum of 740 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13+ years in current residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 188 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 60% LTV. Max allowed 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 778 median FICO. Min required 700.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years self employed |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.49% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $490,831.14 or 40.90 months of PITI.Required reserves are $86,226.00 per AUS/DU
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 75%; guidelines allow 89.99%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 196 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $674,220.60 — $296,389.18 CTC = $377,831.42 reserves or 53.36 months PITI;$32,349 reserves required per AUS.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.22% DTI with a max 45% allowed.
CFCFS2854: Significant time in profession - Clayton Comments: 9 years in profession. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,137,359.95 or 157.15 months of PITI.Required PITI Reserves are $7,237.35 X 3 = $21,712.05
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 89.99%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 203 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17+ years with present employer
CFCFS1736: Significant time at current residence - Clayton Comments: B2 has 12 years at departing residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 204 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 14.44% is below guideline maximum 50%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51%; guidelines allow 89.99%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $124,814.10 or 18 months of PITI.Required PITI Reserves are $6,928.11 X 3 = $20,784.93 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 208 | 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 > 2.5. |
8/4/2026: Received AVM supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is 3.144%
CFCFS2854: Significant time in profession - Clayton Comments: Borr has been in profession for 35 years. | |||||||||||||||||||||||||||||||||||||
| 209 | 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: Mortgage payment history of 0x30x52 months exceeds the required 0x30x12 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.23% is below the maximum allowable of 89.99%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is above the required 720. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | #1 — Missing the Mortgage statement from the existing mortgage to reflect if whether or not the monthly payment is escrowed |
7/29/2026: Received mtg stmnt showing PITI and LOX, no HOA. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.22%. Max CLTV 89.99%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 796 exceeds the minimum fico requirement of 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $688,869.74 minus funds to closing of $656,575.20 = $32,294.54 in remaining assets. Required PITI Reserves are $6,790.21 X 3 = $20,370.63
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only 26% | |||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | RESPA | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure or facts sheet is missing and cannot confirm affiliates. Please provide Affiliate Business Disclosure form. |
8.11.2026 — Client agreed to waive non- material conditions. |
8.11.2026 — Exception waived |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.22%. Max CLTV 89.99%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 796 exceeds the minimum fico requirement of 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $688,869.74 minus funds to closing of $656,575.20 = $32,294.54 in remaining assets. Required PITI Reserves are $6,790.21 X 3 = $20,370.63
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only 26% | |||||||||||||||||||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | #1 — Missing the Mortgage statement from the existing mortgage to reflect if whether or not the monthly payment is escrowed |
7/29/2026: Received mtg stmnt showing PITI and LOX, no HOA. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.22%. Max CLTV 89.99%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 796 exceeds the minimum fico requirement of 700
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $688,869.74 minus funds to closing of $656,575.20 = $32,294.54 in remaining assets. Required PITI Reserves are $6,790.21 X 3 = $20,370.63
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only 26% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | 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 | Waived | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
8.11.2026 — Client agreed to waive non- material conditions. |
8.11.2026 — Exception waived. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $115,054.19 or 10 months of PITI reserves more than the 3 months x $10,574.06 = $31,722.18 of required reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 Median FICO 72 points above guideline minimum of 700. | |||||||||||||||||||||||||||||||||||||
| 214 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $370,192.00 (34.98 months PITIA reserves) > min required of 3 months PITIA
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV < max permitted of 89.99%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 723 exceeds guideline requirement of 700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 793 exceeds minimum fico of 700
CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 23 years at current job
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 62% exceeds max CLTV 89.99% |
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC Jumbo J17220 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 59 | |
| Loans with Conditions: | 15 | |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial |
Final Securitization Credit Loan Grade |
Initial |
Final Securitization |
Initial |
Final Securitization |
Initial S&P Overall |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance |
Final S&P Compliance |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 52 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 86 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 87 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 88 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | No | ||||||||||||||||||||
| 90 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 101 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 106 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 111 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 115 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 117 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 118 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 119 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 130 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 135 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 144 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 145 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 149 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 150 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 152 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 158 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 159 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 160 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 164 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 165 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial |
Final Securitization Credit Loan Grade |
Initial |
Final Securitization |
Initial |
Final Securitization |
Initial S&P Overall |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance |
Final S&P Compliance |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 167 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 168 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 169 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 171 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 172 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 173 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 174 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 180 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 188 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 196 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 199 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 203 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 208 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | No | ||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |