EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV8_J17175 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 384 | |
| Loans with Conditions: | 228 | |
| 54 - Total Active Conditions | ||||||
| 23 - Material Conditions | ||||||
| 9 - Credit Review Scope | ||||||
| 1 - Category: Credit/Mtg History | ||||||
| 3 - Category: DTI | ||||||
| 1 - Category: Income/Employment | ||||||
| 2 - Category: Insurance | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 1 - Category: Title | ||||||
| 3 - Property Valuations Review Scope | ||||||
| 2 - Category: Appraisal | ||||||
| 1 - Category: Value | ||||||
| 11 - Compliance Review Scope | ||||||
| 5 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Compliance Manual | ||||||
| 5 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 31 - Non-Material Conditions | ||||||
| 6 - Credit Review Scope | ||||||
| 1 - Category: Credit/Mtg History | ||||||
| 3 - Category: DTI | ||||||
| 1 - Category: LTV/CLTV | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 1 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| 24 - Compliance Review Scope | ||||||
| 23 - Category: RESPA | ||||||
| 1 - Category: State Consumer Protection | ||||||
| 330 - Total Satisfied Conditions | ||||||
| 69 - Credit Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Application | ||||||
| 9 - Category: Assets | ||||||
| 16 - Category: Credit/Mtg History | ||||||
| 17 - Category: DTI | ||||||
| 7 - Category: Income/Employment | ||||||
| 6 - Category: Insurance | ||||||
| 6 - Category: Legal Documents | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 4 - Category: Title | ||||||
| 207 - Property Valuations Review Scope | ||||||
| 199 - Category: Appraisal | ||||||
| 4 - Category: Property | ||||||
| 4 - Category: Value | ||||||
| 54 - Compliance Review Scope | ||||||
| 18 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 3 - Category: Documentation | ||||||
| 2 - Category: Federal Consumer Protection | ||||||
| 2 - Category: Finance Charge Tolerance | ||||||
| 29 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 0 - Total Waived Conditions | ||||||
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV8_J17175 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 384 | |
| Loans with Conditions: | 228 | |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | CT | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score due to property type. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% |
No | 8/4/2026: Exception added after review of trailing docs: Lender provided revised 1008, 1003 and rental income calcs. Lender DTI is 40.11% per 1008. Clayton re- verified rental income and DTI is now 49.18%. Under 50% but >3% outside tolerance of lender. Biggest difference seen is the revised Final 1003 shows no mortgage with XXX. Mtg stmnt is in the file and has B1 name on it. Clayton included the PITI in rental calcs. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $292,200.97 exceeds required reserves $86,845.48.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have192 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.46% | |||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | DTI of 57.75 is higher than max allowed due to less income used. We could not include the OTHER- non employment income of $8333.33 as it is currently not documented. |
7/20/2026: Received updated 1008, 1003 and AUS. The AUS run shows negative net rental of $346.25. Clayton re-verified rent at $3,411.19/month loss. Lender verified higher net of $1,873.47 for XXX, Clayton verified $1,274.30/mo net; Verified $11.28/mo loss for XXX, Clayton verified $1,992.28/mo loss. These are the biggest differences. DTI is currently 51.97%.7/27/2026: Received Final CD for XXX and mtg stmnt for XXX. The loss is now increased:XXX $1,939.58/mo net = $474.21/mo lossXXX $632/mo net. = $1,992.28mo lossXXX $1,725.83/mo net = $1,156.66/mo lossXXX (subject)XXX $379.33/mo net. = $882.32/mo lossXXX $663.92/mo net. = $490.30/mo netXXX $1,160.50/mo net. = $1,826.88/mo lossTotal $5,842.05/mo loss. No changes made until further review done.8/4/2026: Received docs and re-evaluated the rental income. DTI is now 49.18%. |
7/20/2026: Exception remains.7/27/2026: Exception remains.8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $292,200.97 exceeds required reserves $86,845.48.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have192 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.46% | |||||||||||||||||||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned established no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > minimum required of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.76%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.23% CLTV < max permitted of 75%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 25% DTI < max permitted of 45% | |||||||||||||||||||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 23 years on the job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 802. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 159 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $41,448.56 or 20.02 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.92%; guideline allows 76.92 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 18 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation to support original appraised value |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.370%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $78,294.06 /33.98 months PITIA > min required of $57,901.97. | |||||||||||||||||||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $405,799.42 post closing reserves. Minimum $28,585.98.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 30 years on job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: No CU Score. Clayton to order desk review. |
7/27/2026: Received CDA supporting value. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26+ years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $19,914.06 / 10.23 months PITIA > min required of $11,675.51. | |||||||||||||||||||||||||||||||||||||
| 26 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $545,238.65 or 99.03 months PITI. Required PITI reserves are $66,320.14
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37% is below guideline maximum 43%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | The additional residence owned located at XXX was qualified with a payment of $5,982.75; however, the mortgage statement provided verified a payment of $6,602. The loan file did not contain evidence of the new payment with either a statement or CD verifying the new payment and terms for the said property. |
7/16/2026: Received verification of $5,275.31 PITI and no HOA on XXX. |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $217,038.65 exceed the required reserve amount of $66,219.60
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have maintained a positive 0 x 30 mortgage payment history
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a positive overall credit history. | |||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | The subject property was a multi- family unit. The UCDP score did not register due to the type of property; an updated valuation was required. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $217,038.65 exceed the required reserve amount of $66,219.60
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have maintained a positive 0 x 30 mortgage payment history
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a positive overall credit history. | |||||||||||||||||||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 19+ years at primary residence
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have84 months mortgage payment history 0x30. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 39 | XXXXXX | XXXXXX | TN | 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 Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.27%; guideline allows 90%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $16,776.10 or 5.39 PITI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 176 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | D | B | D | D | D | D | D | C | D | A | D | D | Compliance | Ability to Repay/ Qualified Mortgage |
Active | D | D | D | D | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
Yes | The windstorm policy premium was omitted from AUS. After inclusion of payment of $286.17 ($3,434/12 = $286.17) the DTI exceeds 50%. Liabilities $4,881.14 / Income $9,404.16 = 51.90%. Loan must be resubmitted to AUS with full PITIA and retain Approve/Eligible recommendation. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.839%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.18%; guidelines allow 75%. | |||||||||||||||||||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | D | B | D | D | D | D | D | C | D | A | D | D | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH2544 | Missing credit report used in the AUS analysis |
No | Credit report in file with report ID XXX and completed date of 3/13/26 differs from the report ID XXX on AUS. Provide updated AUS findings showing the current report ID was submitted to AUS for analysis. |
7/10/2026: Received credit report #XXX Info is the same. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.839%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.18%; guidelines allow 75%. | |||||||||||||||||||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | D | B | D | D | D | D | D | C | D | A | D | D | Credit | DTI | Active | C | C | C | C | CRDDTI187 | Debt Ratio > 50% |
Yes | The windstorm policy premium was omitted from AUS. After inclusion of payment of $286.17 ($3,434/12 = $286.17) the DTI exceeds 50%. Liabilities $4,881.14 / Income $9,404.16 = 51.90%. Loan must be resubmitted to AUS with full PITIA and retain Approve/Eligible recommendation. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.839%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.18%; guidelines allow 75%. | |||||||||||||||||||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | D | B | D | D | D | D | D | C | D | A | D | D | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/24/2026 Received BPO. Value supported with - 7.77% variance. Value supported within tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.839%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.18%; guidelines allow 75%. | |||||||||||||||||||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | D | B | D | D | D | D | D | C | D | A | D | D | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
7/24/2026 Received BPO. Value supported with - 7.77% variance. Value supported within tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.839%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.18%; guidelines allow 75%. | |||||||||||||||||||||||||||||||||||||
| 42 | 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 739 is 119 points above program minimum requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guideline allow 85%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are 40,792.17 or 13.14 PITI |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 43 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been XXX for 15 years 8 months.
CFCFS1736: Significant time at current residence - Clayton Comments: B1 has occupied the primary residence for 26 years 2 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $95,509.28 — $58,784.60 required reserves = $36,724.68/$2,297.29 PITIA = 15.99 additional months reserves.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX for 5 years 2 months. | |||||||||||||||||||||||||||||||||||||
| 45 | XXXXXX | XXXXXX | DE | (No Data) |
ATR/ QM: Exempt |
D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Credit | Insurance | Active | D | D | D | D | CRDINSR3278 | Hazard Insurance documentation in file is incomplete |
Yes | HOI Policy provided has incorrect subject address of: XXX Should be XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10.1 years current job time
CFCFS2854: Significant time in profession - Clayton Comments: 26.3 years in same line of work/profession
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744> min. requirement of 620 | |||||||||||||||||||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.77% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 52 | 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 782 median FICO. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit report 25 months reviewed.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close reserves $130,428.50LP requirement $14,826.06. Borrower has 52.78 months PITIA reserves.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has not over extended himself in regards to credit. Monthly payments low and credit not utilized to full limit.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 815. Minimum requirement 620-680. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $214,035.11 / 67.88 months PITIA > min required of $40,384.66.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 23 years with current employer. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 61 | XXXXXX | XXXXXX | NH | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 25 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 is 154 points above minimum program requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 4.71%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.11% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $278,932.00/145.07 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing verification of PITI(A) expense for XXX or evidence the purchase contract for the property has been cancelled. XXX statements with end dates XXX and XXX reflects checks issued for inspections and deposits for the property however the property was not disclosed in documentation provided. If purchase of property is active the LP AUS/1003 required to be updated with verified PITI(A) expense in DTI calculation. LP AUS recommendation to remain Streamline Accept. |
7/21/2026: REO is owned by XXX per docs provided. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.15%. | |||||||||||||||||||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Missing documentation to meet requirements for B1 return to work prior to first payment to support use of full earnings used to qualify. Pay stubs in file indicate B1 on parental leave however no documentation was located in file to meet documentation requirements of borrower letter of explanation regarding intent to return to work and the intended date of return, documentation from B1 employer confirming eligibility to return to work after temporary leave at same position/rate of pay. If B1 intent is to return to work after first payment additional requirements will apply with income subject to change. |
7/27/2026: Received 7/21/2026 VVOE verifying active status. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.15%. | |||||||||||||||||||||||||||||||||||||
| 65 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $564,048.17/235.42 PITIA which is > guideline minimum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 716 is 96 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 7.99%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 443 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 66 | 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: $53,970.54 exceeds reserves required $25,860.96
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 761 exceeds minimum required 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.39% is below maximum allowed 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing full PITIA for REO listed on 1003. Missing property tax amounts and/or insurance and/or HOA dues per schedule E for : XXX, XXX, XXX, XXX, XXX, XXX, XXX and XXX. Also missing property tax amount for primary residence not paid through escrow account. |
7/16/2026: Received:XXX: $200.67 taxes, $211 HOA;XXX: $153.83 taxes, no HOAXXX: $185.33 taxes, $175 HOAXXX: $212.50 taxes, $150 HOAXXX: $214.83 taxes, no HOA verified on XXX.XXX: $280 taxes, no HOA or HOI.XXX: $455.44 taxes, $62 HOA.HOI is on Sch E of 1040s. |
7/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.52%. | |||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History |
Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) |
No | Missing 12 month payment history for XXX mortgage with payment of $493.11. |
7/17/2026: Received part of the original PDF used at initial review. File has payment history for 2/2026- 4/2026. Loan opened 12/2016. Still need full 12 month payment history.7/28/2026: Received payment history covering 1/2025- 4/2026. |
7/17/2026: Exception remains.7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.52%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU returned no score due to property type. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.32%. | |||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >NULL. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $55,175.30 OR 20.77 months of PITIA reserves > required $23,014.53
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 qualifying score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No CU score established. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.39%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $257,824.04 / 113.85 months PITIA > min required of $13,587.07. | |||||||||||||||||||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Score > 2.5. Clayton to order desk review |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job 7.17 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 770 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.28% LTV below maximum allowed guideline maximum of 85%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17.083yrs tenure with current XXX business
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 99 months current mortgage payment history exceeds 24 month guideline credit review.
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 787 Median Credit Score, Oldest Trade 2/1990 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 91 | XXXXXX | XXXXXX | ID | QM: Safe Harbor |
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 have67 months mortgage payment history 0x30.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 84 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Calculated DTI of 41.67% exceeds AUS approved DTI of 38% due to debts excluded without supporting documentation. XXXXXX were omitted from lender’s DTI. Per page 258 of PDF, there were three total refinance loans. |
7/20/2026: Received Final CD for refi on another REO showing XXXXXX debt paid. DTI is now 39.50%. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have been in same profession for 17 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 14 years at Primary residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 mid score > min required of 640 | |||||||||||||||||||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing final CD from simultaneous refinance of XXXXXX property. |
7/20/2026: Received Final CD for REO. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have been in same profession for 17 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 14 years at Primary residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 mid score > min required of 640 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | File is missing 2025 W2 or WVOE for B1 income as required per AUS. |
7/13/2026: Received 2025 W2. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have been in same profession for 17 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 14 years at Primary residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 mid score > min required of 640 | |||||||||||||||||||||||||||||||||||||
| 96 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | AUS was run with reserves of $19,125.20no assets submitted to support. |
7/20/2026: Received MNDCP RSP qtrly 3/2026. Verified $127,516.20 at 80% value. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 705. Minimum requirement 620-680.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage history reflect on credit highest months reviewed 49. | |||||||||||||||||||||||||||||||||||||
| 96 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets |
No | AUS was run with assets of $159,395.25 which could not be located. |
7/20/2026: Received MNDCP RSP qtrly 3/2026. Verified $127,516.20 at 80% value. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 705. Minimum requirement 620-680.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage history reflect on credit highest months reviewed 49. | |||||||||||||||||||||||||||||||||||||
| 96 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | AUS run with exclusion of XXX #‘s XXX $2,492 and #XXX $16,738 Documentation is needed to support the exclusion. |
7/20/2026: Received Final CD for another REO refi showing the two XXX credit debts paid. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 705. Minimum requirement 620-680.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage history reflect on credit highest months reviewed 49. | |||||||||||||||||||||||||||||||||||||
| 99 | 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: 804 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 61%; guidelines allow 75%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | A | A | A | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation Loan is PIW approved. Clayton to order BPO. |
7/17/2026: Received BPO supporting value. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 43% is below maximum allowed 75%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 771 exceeds minimum required 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.64% is below maximum allowed 45% | |||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | PIW approved loan. Clayton to order BPO |
7/17/2026: Received BPO supporting value. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 43% is below maximum allowed 75%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 771 exceeds minimum required 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.64% is below maximum allowed 45% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guideline allows 75%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $180,510.80 or 55.19 PITI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 783 is 163 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 106 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Clayton to order desk review since there is no LCA OR CU SCORE |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.55% is below guideline maximum 45%.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 660
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.81% DTI < max permitted of 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 14 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $108,663.46 or 39.11 months of PITIA. Required reserves are $5,556.93.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 791 exceeds the min requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 71.89% is less than the max allowed of 90%. | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 14 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $108,663.46 or 39.11 months of PITIA. Required reserves are $5,556.93.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 791 exceeds the min requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 71.89% is less than the max allowed of 90%. | |||||||||||||||||||||||||||||||||||||
| 110 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score 2.6. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,00,874.65 / 42.72 months PITIA > min required of $16,037.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 16.70% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 112 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less |
No | DTI 47% > 44% on LP findings. The LP findings is missing the $330 HOA dues on the primary residence. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 785. Minimum score required 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $38,010.15 or 9.26 months PITI reserves, Required reserves $24,314.40 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 113 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 25 years at primary residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 115 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower(s) have 6 years at current primary residence
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.60% is < maximum allowed of 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closed Assets of $19,226.88 / by PITIA of $2215.01 = 8.68, is > minimum required of $13,290.12
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 47 months mortgage payment history of 0/30
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 mid score is > minimum required score of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/ residency |
No | Missing B1 proof of legal XXX required by guidelines. |
7/10/2026: Received XXX good thru 2/2/2033. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% CLTV < max permitted of 85%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have55 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.78%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $149,495.87 / 39.72 months PITIA > min required of $29,582.55. | |||||||||||||||||||||||||||||||||||||
| 123 | 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 returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64%; guidelines allow 90%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 23.58% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 16.18% is lower than the maximum requirement by more than 20 percentage points.
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a positive overall credit history
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history. | |||||||||||||||||||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 16.18% is lower than the maximum requirement by more than 20 percentage points.
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a positive overall credit history
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guideline allows 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 752 is 132 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $69,014.62 or 17.78 PITI | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.16%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 680
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.83% is below guideline maximum 50%.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 | 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 | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower credit score of 725 exceeds guideline requirement
CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been at the sane employer for over 6 years
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: The co-borrower has been at the same employer for over 6 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 139 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score > 2.5. Clayton to order desk review |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $103,303.33 / 60.61 months PITIA > min required of $10,720.97
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 38.67% is below max allowable of 45%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is 3>2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 15 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620 . | |||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing documentation in file to verify and support all the asset amounts listed on the Final 1003. All asset docs in the file are dated between 1/2025 and 4/30/2025. |
7/17/2026: Received all required assets. FTC and reserves requirements met. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 774 is 154 points above the 620 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 26.43% is 18.57% below the 45% allowed.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years at current residence.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years 2 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 774 is 154 points above the 620 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 26.43% is 18.57% below the 45% allowed.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years at current residence.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years 2 months at current job. | |||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 774 is 154 points above the 620 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 26.43% is 18.57% below the 45% allowed.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years at current residence.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years 2 months at current job. | |||||||||||||||||||||||||||||||||||||
| 145 | 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 is > 2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% variance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 76.79%; guidelines allow 90%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $10,804.74 or 4.54 months of PITI.Required PITI reserves are $6,613.86 per AUS/LP. | |||||||||||||||||||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $57,655.47 or 20.60 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guideline allows 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 792 is 172 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 154 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 157 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/ CU score due to property type. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 745 is 125 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $329,443.03 or 130.74 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 80%. | |||||||||||||||||||||||||||||||||||||
| 160 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 66 mos. 0x30.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 11 years 2 months at current residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $920,057.94 exceed required reserves $3,819.14. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 162 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close asset $120,610.33 or 66.49 PITI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 748 is 128 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score due to property type. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $28,970.83 or 16.60 PITI. LP requires $13,893.24.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 is 164 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum Credit Score is 620 and Borrowers Exceed this guideline as borrowers Min Credit score is 789
CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI is 45% and borrowers DTI is less than at 37.82%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers Post Close Assets are $14671.22 or 12 months of P&I (or PITI if required)AUS is calling for Required P&I (or PITI if required) Reserves are $2319.22 x 6 number of months = $13,915.32This exceeds guidelines | |||||||||||||||||||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | The 2025 tax return has a property listed on the Schedule E, XXX, however, the property is not listed on the REO and there is not documentation verifying the property was sold. Provide either the CD for the sale of the property or explanation on why this property was not included in the borrower’s REO. |
7/17/2026: Received verification REO sold XXX. |
7/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 806. Minimum score per program is 680.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.95%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $399,869.73 post closing reserves, 149 PITI for subject property. Guidelines require $20,605.32 in reserves. | |||||||||||||||||||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Provide letter of explanation verifying if the retained properties have HOA dues. |
7/17/2026: Received verification no HOA on REOs. |
7/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 806. Minimum score per program is 680.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.95%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $399,869.73 post closing reserves, 149 PITI for subject property. Guidelines require $20,605.32 in reserves. | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID — Seller CD not in file; need in order to complete fee entry |
No | Seller CD Missing from file |
07.27.206 - Seller CD provided. |
07.27.2026 -Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower using 3.00% of available credit
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $204,042.57 or 74.28 .months of P&I requiredRequired PITI Reserves are $2800.01 x 3.58 months = $ $10,042.01
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 5 years at current job | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower using 3.00% of available credit
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $204,042.57 or 74.28 .months of P&I requiredRequired PITI Reserves are $2800.01 x 3.58 months = $ $10,042.01
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 5 years at current job |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 179 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 1 month
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 2 months
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 724 is 104 points above program guideline minimum of 620. | |||||||||||||||||||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 rep score; 640 minimum required
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $59,825.52; required $20,281.80 reserves | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 796 is 176 points above the 620 required.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years 4 months at current residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $143,605.62 is $121,227.12 greater than the $22,378.50 reserves required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years 4 months at current job. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.03%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 Credit score exceeds guideline requirement of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 114 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 190 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a very limited amount of credit usage of 1.11%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 24.73% is lower than maximum DTI by more than 10 percent.
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained an overall good credit history. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is below guideline requirements of 80%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $98,406.47 in post close reserves, guidelines require $11,296.14 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a lifetime good credit history with no historical delinquencies.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $66,562.73 exceed the minimum requirement of $19,163.82 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation |
No | There is no evidence of the Social Security income documented for Borrower 2 in the amount of $4,802.00 monthly. |
7/27/2026: Received SS Award Letter for B2. Verified 4,700.40/month. |
7/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at primary residence.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have137 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3950 | TRID — CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent |
No | Pages 3 and 4 of final CD XXX are missing |
8.3.2026 — All pages to final CD received. |
8.3.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 781 mid score > min required.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% | |||||||||||||||||||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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 Payment amount on final cd 6.1.26 is $1342832.24 the system calculated $1350180.50, Unable to properly calculate based on missing pages in final CD Please provide full complete final CD XXX |
8.3.2026 — All pages to final CD received. |
8.3.2026 - Exception satisfied |
Numeric | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 781 mid score > min required.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% | |||||||||||||||||||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID4350 | TRID — CD: At least one statement or section of the form that is required by the Regulation is not contained on the form |
No | Pages 3 and 4 of final CD XXX are missing |
8.3.2026 — All pages to final CD received. |
8.3.2026 - Exception satisfied |
Hybrid | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 781 mid score > min required.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% | |||||||||||||||||||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID5067 | TRID — CD: Mortgage Insurance is present in Projected Payments but is not indicated in Loan Disclosures as included for Escrowed or Non-Escrowed Property Costs |
No | Pages 3 and 4 of final CD XXX are missing |
8.3.2026 — All pages to final CD received. |
8.3.2026 - Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 781 mid score > min required.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% | |||||||||||||||||||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | TX | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 781 mid score > min required.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% | |||||||||||||||||||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.930% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.930% | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | NV | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 2 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 756 is 136 points above program guideline minimum of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 2 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 210 | 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 | 1004c Manufactured appraisal. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Primary residence free and clear. $8 monthly consumer debt.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $25,132.66 post closing reserves. $0 required. | |||||||||||||||||||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | XXX #XXX has not been associated with a REO property. Mortgage was included in debt but not associated with a property — required per LP findings. |
7/21/2026: Received updated AUS, 1008 and 1003 adding $335 for XXX Loan secured to primary residence. DTI is 20.19%. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4% | |||||||||||||||||||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/SSR findings does not reflect a valuation score. Clayton to order desk review |
7/24/2026: CDA received was review an appraisal on another REO. Correct CDA to be provided.7/29/2026 Received desk review. Value supported with - 8.20% variance. Value supported within tolerance. |
7/24/2026: Exception remains.7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years with current employer.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4% | |||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
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 24 months mortgage payment history 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.38% is below guideline maximum 50%
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | 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 $ 279.06 due to Survey increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
8.3.2026 — Cure provided via refund. |
8.3.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 41% DTI < max permitted of 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | ‘—PIW approved loan. Clayton to order BPO |
7/21/2026: Received BPO. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 41% DTI < max permitted of 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% | |||||||||||||||||||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 41% DTI < max permitted of 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% | |||||||||||||||||||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/21/2026: Exception added after review of trailing docs: 7/21/2026: Received BPO not supporting value. Clayton to order 2055 Report Exterior- only. |
7/27/2026: Received 2055 Report supporting value. |
7/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 41% DTI < max permitted of 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Recurring payments noted on XXX XXX not addressed by borrower or found on credit report: XXX $247.11 (4/23, 3/24), XXX: $2,042 (4/6), $801 (3/27). |
7/21/2026: Received verification, XXX is for Investing, not a loan.7/29/2026: Verified XXX is not recurring. Removed. |
7/21/2026: Exception remains for verification for XXX.7/29/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened June 2002.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 794 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $87,033.27 or 37.87 months PITIA. Required PITIA reserves per AUS are $27,749.92. | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing HOA dues for XXX. Per lease in file, Addendum (9) states fines levied by HOA. Evidence Figure Lending XXX is secured to XXX as noted on 1003. Figure is not listed as a mortgagee on HOI or as a second mortgage on property detail report. |
7/10/2026: Received verification $225/mo HOA for XXX.7/17/2026: Received DOT for XXX. B1 is not on mortgage. |
7/10/2026: Exception remains for Figure Lending #XXX.7/17/2026: Exception satsified. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened June 2002.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 794 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $87,033.27 or 37.87 months PITIA. Required PITIA reserves per AUS are $27,749.92. | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | CCRs (Conditions, Covenants and Restrictions) were recorded on title per Schedule B II, number 4 but not vetted. Appraisal states not a PUD or in HOA. |
7/27/2026: Verification received, subject is an SFR. |
7/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened June 2002.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 794 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $87,033.27 or 37.87 months PITIA. Required PITIA reserves per AUS are $27,749.92. | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score > 2.5. Clayton to order desk review. |
7/28/2026: CDA provided supports appraised value. |
7/28/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened June 2002.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 794 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $87,033.27 or 37.87 months PITIA. Required PITIA reserves per AUS are $27,749.92. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @6.740% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score due to property type. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with - 3.16% variance. Variance within tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32% DTI < max permitted of 50% | |||||||||||||||||||||||||||||||||||||
| 238 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score >2.5. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: $37 monthly consumer debt. Primary residence free and clear.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $64,332.85 post closing reserves. $3,451.01 required. | |||||||||||||||||||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $115,300.20 or 50.87 PITI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 is 162 points above program minimum requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.27%; guideline allows 75%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.93% DTI < max permitted of 50%
CFCFS2860: Good credit history - Clayton Comments: 750 mid score > min required of 680 | |||||||||||||||||||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 midscore; Minimum 640
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $1,348,588.59; required $26,762.48 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 249 | 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: DTI is 47.27%/maximum 50%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory events
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 761/minimum 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score not provided. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 16 years at current residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $408,833.16 is $383,498.90 greater than the $25,334.26 reserves required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 17.38% is 27.62% below the 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 798 is 178 points above the 620 required. | |||||||||||||||||||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: Clayton to order desk review supporting appraised value. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower is using less than 10% of available credit
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $$75,110.97 or 20.09. months of PITI Required PITI Reserves are $3738.02 X6 months = $22,426.10
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments | |||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 302 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 803 is 183 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $191,468.52/83.89 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.26%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 333 months. | |||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 302 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 803 is 183 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $191,468.52/83.89 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.26%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 333 months. | |||||||||||||||||||||||||||||||||||||
| 265 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned 5.0. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 760 is 140 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $144,627.61 or 53.93 PITIA
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; Guideline allow 80%. | |||||||||||||||||||||||||||||||||||||
| 269 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 3.41%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 176 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $178,263.41/60.47 PITIA which is > guideline minimum. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 273 | 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: ASSETS: $1,127.24 + $182.40 + $88,528.01 = $89,837.65 — $1,000 EMD — $58,191.21 = $30,646.44 reserves.Reserves not required per AUS.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.89% DTI with a max 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 score exceeds the 620 minimum required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3618 | TRID — Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing |
No | Exception fired due to missing Initial CD — no change of product or feature was made without proper disclosure. |
7/6/26 — Lender provided initial CD. |
7/6/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | Unable to determine accurate waiting period due to missing Initial CD. |
7/6/26 — Lender provided initial CD. |
7/6/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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 | Transfer taxes increased from $0 to $3,643.11 without proper redisclose, CompEase report reflects tolerance failure, as well. No cure is on file. |
07.30.2026 — Cure provided via refund |
07.30.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID — CD: Missing Initial CD |
No | Missing Initial CD disclosed to borrower and received on 04/09 according to CompEase disclosure records. |
7/6/26 — Lender provided initial CD. |
7/6/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $52,631.74 or 28.84 months PITI reserves. Required reserves $13,783.58
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum score required 620 | |||||||||||||||||||||||||||||||||||||
| 280 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Credit | Insurance | Active | C | C | C | C | CRDINSR289 | Insufficient Hazard Insurance Coverage |
Yes | Hazard insurance coverage of $400,000 was provided with no evidence of guaranteed replacement cost or replacement cost calculator, Loan amount is $XXX. Minimum coverage required is $408K. |
8/10/2026: Received HOI Wind Only dec page. File also needs the Hazard Insurance. |
8/10/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years and 4 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $149,624.30 or 32.61 months PITIA. Required PITIA reserves per AUS are: $27,570.72.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 741 exceeds required FICO of 620 | |||||||||||||||||||||||||||||||||||||
| 280 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (or CU) score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years and 4 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $149,624.30 or 32.61 months PITIA. Required PITIA reserves per AUS are: $27,570.72.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 741 exceeds required FICO of 620 | |||||||||||||||||||||||||||||||||||||
| 281 | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption |
QM: Rebuttable Presumption (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 @ 21.25%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have56 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 285 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination |
7/27/2026: Received verification of bonafide fee. Loan is now SH status. |
7/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 158 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.38%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 1.59%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 265 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $19,014.83/4.96 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 285 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
7/27/2026: Received verification of bonafide fee. Loan is now SH status. |
7/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 158 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.38%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 1.59%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 265 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $19,014.83/4.96 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 285 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Homeowners insurance dwelling coverage is insufficient for the new loan amount. |
7/27/2026: Received verification of GRC. |
7/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 158 points above minimum program requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.38%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 1.59%.
CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 265 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has $19,014.83/4.96 PITIA which is > guideline minimum. | |||||||||||||||||||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Missing verification of HOI premium on XXX to complete DTI Calculation. Additional exceptions may apply. |
8/10/2026: received LOX, it is land. No HOI. |
8/10/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 749 is 129 points above minimum program requirement of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.60% is below the guideline maximum of 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $183,941.12, 35.05 months; 154,514.28 months required. | |||||||||||||||||||||||||||||||||||||
| 288 | XXXXXX | XXXXXX | CO | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved loan. Clayton to order BPO |
7/21/2026: Received BPO. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 680 | |||||||||||||||||||||||||||||||||||||
| 288 | XXXXXX | XXXXXX | CO | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 680 | |||||||||||||||||||||||||||||||||||||
| 288 | XXXXXX | XXXXXX | CO | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/21/2026: Exception added after review of trailing docs: 7/21/2026: Received BPO not supporting value. Clayton to order 2055 Report Exterior- only. |
7/28/2026: Received 2055 Report supporting value. |
7/28/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 680 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 289 | 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 | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 15.01% is 29.99% below the 45% allowed.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 788 is 168 points above the 620 required.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years 7 months at current residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 16.46 months PITIA vs 0 months reserves required. | |||||||||||||||||||||||||||||||||||||
| 290 | XXXXXX | XXXXXX | VA | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job since 01/01/2018.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 726. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 293 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Compliance | Ability to Repay/ Qualified Mortgage |
Active | D | D | D | D | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
Yes | 2025 Schedule A (5b) shows real estate taxes of $24,756 deducted, but this exceeds the escrow for the customer’s mortgage. Another property 2025 Schedule A (5b) shows real estate taxes of $24,756 deducted, but this exceeds the escrow for the customer’s mortgage. Another property is owned (second home?). is owned (second home?). |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $28,586.06 or 12.253 months PITIA. Required PITIA reserves per AUS are $23,240.54.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 mortgage history since July 2012.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 772 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 42.19% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 293 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | 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 | No mavent or equivalent in file. Deal is for an Investor PUD, refi cash out. |
7/27/2026: Received SH status. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $28,586.06 or 12.253 months PITIA. Required PITIA reserves per AUS are $23,240.54.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 mortgage history since July 2012.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 772 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 42.19% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 293 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Credit | DTI | Active | D | D | D | D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
Yes | 2025 Schedule A (5b) shows real estate taxes of $24,756 deducted, but this exceeds the escrow for the customer’s mortgage. Another property is owned (second home?). |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $28,586.06 or 12.253 months PITIA. Required PITIA reserves per AUS are $23,240.54.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 mortgage history since July 2012.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 772 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 42.19% is lower than max DTI allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 294 | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (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 desk review to support appraisal value. |
7/24/2026 Received desk review. Value supported with - 6.02% variance. Value supported within tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.79% is below DTI 45%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are$36,412.06, Required reserves are $18,686.98 | |||||||||||||||||||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | UT | (No Data) | ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines |
No | Provide clear copies of:1. B2 LES’s. XXX, XXX are in the file with most info illegible.2. B2 W2s — most info is illegible. |
7/17/2026: Received 3/2026 LES and 2025 W2 — both legible. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 24.79% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 811 median FICO. Min required 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Lender verified Rebuttable Presumption. Clayton verified non-QM dues to fees exceeding 3%:Adjusted Charges$10,260.28Total Loan Amount$XXXMaximum Charges %3.000%Maximum Charges$9,131.34Charges Margin to Threshold$1,128.94Total Charges %3.371%Exceeds fees test threshold?Yes |
7/27/2026: Received verification of bonafide fee, Undiscounted Rate. Loan is now SH. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 40.73% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Lender verified Rebuttable Presumption. Clayton verified non-QM dues to fees exceeding 3%:Adjusted Charges$10,260.28Total Loan Amount$XXXMaximum Charges %3.000%Maximum Charges$9,131.34Charges Margin to Threshold$1,128.94Total Charges %3.371%Exceeds fees test threshold?Yes |
7/27/2026: Received verification of bonafide fee, Undiscounted Rate. Loan is now SH. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 40.73% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to orderBPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 680
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.04% is below guideline maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68%; guidelines allow 90%.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 680
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.04% is below guideline maximum 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68%; guidelines allow 90%.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is approved PIW. Clayton to order BPO. |
7/24/2026 Received BPO. Value supported with .0.17% variance. Value supported within tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.38%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.64%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.17% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/24/2026 Received BPO. Value supported with .0.17% variance. Value supported within tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.38%; guidelines allow 90%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.64%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.17% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 305 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | PIW approved loan. | 7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 11 years 4 months at current job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 763 is 143 points above the 620 required.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 35 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 305 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 11 years 4 months at current job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 763 is 143 points above the 620 required.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 35 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed. | |||||||||||||||||||||||||||||||||||||
| 307 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 27.38%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years with current employer
CFCFS1736: Significant time at current residence - Clayton Comments: 26+ years at primary residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws |
No | No payoff letter received for XXX or evidence of closure after new loan closed. |
7/21/2026: Received verification of Release dated 5/20/2026. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 4/2/2013 (XXX).
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 798 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $30,607.23 or 10.568 months PITIA. Required reserves are $17,377.50. | |||||||||||||||||||||||||||||||||||||
| 316 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required, borrower has $39,307.34 in verified reserves.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26 years with current employer. | |||||||||||||||||||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required, borrower has $39,307.34 in verified reserves.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26 years with current employer. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 319 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $56,331.36 or 32.54 months PITI. Required reserves per AUS are $9,784.14
CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower’s position as XXX at well know firm warrants upward future earnings.
CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 5 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower does not overly utilize credit. Only 2 accounts included in credit usage.
CFCFS2860: Good credit history - Clayton Comments: No derogatories reflected on credit report. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 323 | XXXXXX | XXXXXX | KY | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates in the past two years. 0 x 30 in 33 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 38.55%.
CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower (XXX) has been in the same line of work for 16 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is more than 2.5. Clayton to order desk review |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrowers have maintained a great credit history with no historical delinquencies
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 768 is higher than the minimum credit score of 620 | |||||||||||||||||||||||||||||||||||||
| 331 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $108,728.15 /11.79 months PITIA (all REO)> min required $24,044.95.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have114 months mortgage payment history 0x30.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.26% is below guideline maximum 50%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 162 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.34% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 332 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1752: No Verified Compensating Factors - Clayton Comments: Mortgage history is good with no derogatory events
CFCFS2854: Significant time in profession - Clayton Comments: 27 years in profession
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.61%/maximum 50% | |||||||||||||||||||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 45 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 12 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 11 years 7 months at current job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 787 is 167 points above the 620 required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 335 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: 743 mid score > min required of 680
CFCFS1744: DTI below guideline requirement - Clayton Comments: 16.54% DTI < max permitted of 50%
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% CLTV < max permitted of 85% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 341 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 776.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for 5 years 5 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 82 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 28+ years at present job
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 778. Minimum score per program is 680. | |||||||||||||||||||||||||||||||||||||
| 358 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (or CU) score is >2.5. Clayton to order deskreview. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for over 12 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 779 | |||||||||||||||||||||||||||||||||||||
| 359 | 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 | CMPRESPA2698 | RESPA — List of homeowners counseling organizations not in file |
No | Please provide Homeowners counseling organization list |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 783 is 163 points above program minimum requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guideline allows 75%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $140,016.70 or 54.18 PITI | |||||||||||||||||||||||||||||||||||||
| 359 | 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 | Please provide Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 783 is 163 points above program minimum requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guideline allows 75%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $140,016.70 or 54.18 PITI | |||||||||||||||||||||||||||||||||||||
| 362 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Loan is verified with $9,276.63 post closing reserves. LP requires $26,340.26 reserves. The file is missing a XXX account stmnt with $157,254.55 balance. Provide the most recent statement. |
7/24/2026: Received 401K stmnt, used 80% value. Verified $135,080.27 reserves. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 is 162 points above program minimum requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allow 85%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $394,342.11 in post closing reserves.LP requires $36,236.06 reserves. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR3028 | Flood Certificate has incorrect or incomplete data |
No | Flood certification address discrepancy shows XXX vs. updated legal address XXX |
7/24/2026: Received corrected XXX Cert. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 726 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $228,987.14 or 60.06 months of PITI Required PITI Reserves are $52,630.13 or 13.8 months @ $3812.73
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Good mortgage payment history use: 0X30, for all mortgages reported since 11/2017
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional validated bonus income not used or needed for qualifying: $299,000 / 12 = $24,916.67 Co-Borrower has additional validated stock income not used or needed for qualifying: $11,440 / 12 = $953.33 | |||||||||||||||||||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR5081 | Insurance Policy missing required endorsements |
No | Hazard Insurance binder has incorrect address shown as XXX vs. corrected address of XXX |
7/24/2026: Received HOI dec page corrected. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 726 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $228,987.14 or 60.06 months of PITI Required PITI Reserves are $52,630.13 or 13.8 months @ $3812.73
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Good mortgage payment history use: 0X30, for all mortgages reported since 11/2017
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional validated bonus income not used or needed for qualifying: $299,000 / 12 = $24,916.67 Co-Borrower has additional validated stock income not used or needed for qualifying: $11,440 / 12 = $953.33 | |||||||||||||||||||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Credit | Title | Active | C | C | C | C | CRDTIL100 | Potential title issue |
Yes | Provide updated Title showing correct subject address of XXX, XXX. Title is missing the unit #. |
7/24/2026: Received updated Mod Agreement to correct the address and verified sent for re- recordation. Still need updated Title Report. |
7/24/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 726 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $228,987.14 or 60.06 months of PITI Required PITI Reserves are $52,630.13 or 13.8 months @ $3812.73
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Good mortgage payment history use: 0X30, for all mortgages reported since 11/2017
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional validated bonus income not used or needed for qualifying: $299,000 / 12 = $24,916.67 Co-Borrower has additional validated stock income not used or needed for qualifying: $11,440 / 12 = $953.33 | |||||||||||||||||||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 726 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $228,987.14 or 60.06 months of PITI Required PITI Reserves are $52,630.13 or 13.8 months @ $3812.73
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Good mortgage payment history use: 0X30, for all mortgages reported since 11/2017
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional validated bonus income not used or needed for qualifying: $299,000 / 12 = $24,916.67 Co-Borrower has additional validated stock income not used or needed for qualifying: $11,440 / 12 = $953.33 | |||||||||||||||||||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $930,702.67 / 222.04 months PITI > min required of $0.00.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.39%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $930,702.67 / 222.04 months PITI > min required of $0.00.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21.39%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at primary residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID — CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Ten Percent Tolerance Fee of $14.60 due to increase of Recording Fees in the amount of $404 on CD XXX. 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. |
7.31.2026 Lender provided PCCD that decreased the recording fee to within Tolerance |
7.31.2026 Exception Satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 11+ years at primary residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 11+ years at primary residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 11+ years at primary residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | WA | (No Data) | ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 4 is >2.5. Clayton to order desk review |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 7/2008, reporting 0x30
CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have significant time in profession, 16 years
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x252 mortgage payment history, since 9/2012 | |||||||||||||||||||||||||||||||||||||
| 379 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/ QM status. |
No | 1# — Missing evidence of an HOA fees on the existing primary residence #2 — 1008 reflects an additional $2,500 per month listed as “other” that is not included in the final LP run. Need additional information on this debt. |
7/13/2026: Received verification $1,459.61/ HOA for primary.7/24/2026: Received updated 1008 with Other removed. |
7/13/2026: Exception remains for Item #2.7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $273,857.37. Reserve requirement = $29,896.98
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 47 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 68.62% below max CLTV 75% | |||||||||||||||||||||||||||||||||||||
| 379 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | #1 — Missing evidence of an HOA fees on the existing primary residence #2 — 1008 reflects an additional $2,500 per month listed as “other” that is not included in the final LP run. Need additional information on this debt. |
7/13/2026: Received verification $1,459.61/ HOA for primary.7/24/2026: Received updated 1008 with Other removed. |
7/13/2026: Exception remains for Item #2.7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $273,857.37. Reserve requirement = $29,896.98
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 47 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 68.62% below max CLTV 75% | |||||||||||||||||||||||||||||||||||||
| 379 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed “Subject To” w/o Completion Cert in File |
No | Missing the inspection required by the Appraisal |
7/28/2026: Received LOX, Invoice and photos verifying required repair made. |
7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $273,857.37. Reserve requirement = $29,896.98
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 47 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 68.62% below max CLTV 75% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 379 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is missing. Clayton to order desk review |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $273,857.37. Reserve requirement = $29,896.98
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 47 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 68.62% below max CLTV 75% | |||||||||||||||||||||||||||||||||||||
| 383 | XXXXXX | XXXXXX | CA | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .70%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | C | A | C | A | A | A | C | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3658 | TRID — Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance |
No | Initial CD(5/5/2026) APR 7.188%. Final CD(XXX) APR 7.315%. APR increase of 0.127% exceeds allowable tolerance of 0.125%. |
08.05.2026 — PCCD and refund provided however the issue is the APR increased from 7.188% on Initial CD to 7.315% on Final. The 3 days waiting period started over at time of increase 5.18.2026.08.10.2026 — refund provided for increased APR. |
08.05.2026 — Exception remains08.10.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for 28 yrs 4 months. | |||||||||||||||||||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | C | A | C | A | A | A | C | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for 28 yrs 4 months. | |||||||||||||||||||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 Month payment history required , credit reports 88 months with no lates
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $ 242,400.66 or 73.84.months of PITI Required PITI Reserves are = $ 0
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXXXXX | XXXXXX | AR | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $1,028,621.28; required $20,281.80 reserves
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 Rep score; Minimum score required 640 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 397 | XXXXXX | XXXXXX | CA | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 15+ years at current residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 30+ years at the current job. Employed since 1996. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19 years at present job
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 19 years. | |||||||||||||||||||||||||||||||||||||
| 399 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing proof of the property taxes and insurance on the primary residence. |
7/17/2026: Received Mtg statement showing PITI. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have21 months mortgage payment history 0x30.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at present job | |||||||||||||||||||||||||||||||||||||
| 399 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws |
No | Missing proof that the XXX HELOC has been paid and closed to future draws |
7/17/2026: Received Cancelation of Deed. PIF and closed. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have21 months mortgage payment history 0x30.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at present job | |||||||||||||||||||||||||||||||||||||
| 403 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have175 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | DE | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 27 years at primary residence
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 19.90% is below guideline maximum 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | AL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 30+ years at current job.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.53% below guideline requirement. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA or (CU) score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 is 150 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $2,589.93 or 1.53 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guideline allows 85%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 410 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score not provided. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with - 4.67% variance. Value supported within tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers are XXX and in business for 9 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.47% | |||||||||||||||||||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing CDA desk review to support appraisal value; LCA score of 3.0 in file exceeds 2.5 maximum tolerance. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 23 years in the XXX.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 47.37 months of reserves in file.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 3.8 years employed with XXX
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 mid-score per CBR. | |||||||||||||||||||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 761.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 25+ years. | |||||||||||||||||||||||||||||||||||||
| 422 | 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 | No LCA score established. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 697 mid score > min required of 680
CFCFS1744: DTI below guideline requirement - Clayton Comments: 47% DTI < max permitted of 50% | |||||||||||||||||||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with - 8.22% variance. Value supported within tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are $125,186.37 or 61.56 months PITI reserves, DU required $18,338.71 in reserves to be verified.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.14% | |||||||||||||||||||||||||||||||||||||
| 436 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.89%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in same profession for 15 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437 | 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: Credit score of 798 exceeds min 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $5,581,033.50 exceed required reserves are $44,166.00.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 in past 53 months reviewed. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 438 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have308 months mortgage payment history 0x30.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 16.71% | |||||||||||||||||||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | MT | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements |
No | Bank statement for XXX and XXX has been provided. Borrower owns XXX. There is not any documentation in the file that supports the other business (XXX) is owned by either the borrower or co-borrower. An access letter showing the borrower has full unrestricted access to 100% of the funds has not been provided. |
7/24/2026 Received Verification B1 is owner of XXX. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 82 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $30,781.20 in excess available reserves.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit line usage ratio is 12.27%. | |||||||||||||||||||||||||||||||||||||
| 447 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 16 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have72 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $44,603.30 /13.18 months PITIA (all REO)> min required $13,241.34.
CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at primary residence
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 353 months.
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 32.53% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 448 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4 years 5 months on the job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 809. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $86,711.12 / 26.83 months PITI > min required of $24,658.04.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 18 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years at present job | |||||||||||||||||||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is missing. Clayton to order desk review supporting appraised value. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Low credit utilization ratio of 20.31%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 66 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $24,604.13 exceed the guideline requirement of $0. | |||||||||||||||||||||||||||||||||||||
| 461 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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 $ due to Title — Recording Service Fee $ 100 increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
07.28.2026 -Cure provided via refund. |
07.28.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 54 months mortgage payment history 0x30
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the XXX for 16+ years |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 461 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 54 months mortgage payment history 0x30
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the XXX for 16+ years | |||||||||||||||||||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | MI | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $250,137.66 or 20.67 months of PITI. AUS required reserves $14,655.26.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 2 mos. 0x30, 12 mos. 0x30, and 47 mos. 0x30,
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at current residence. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 465 | XXXXXX | XXXXXX | MO | 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 reflects XXX. Mortgage reflects XXX and XXX. |
7/24/2026: Received Final Title with vesting matching mortgage. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 25%
CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at primary residence.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been XXX 27+ years | |||||||||||||||||||||||||||||||||||||
| 476 | XXXXXX | XXXXXX | MI | (No Data) |
ATR/ QM: Exempt |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Credit/ Mtg History |
Active | C | C | C | C | CRDCRMH123 | No evidence of required debt payoff |
Yes | Provide proof of payoff for all debts per AUS per below:Creditor | Balance:THD #XXX: $2,170XXX #XXX: $2,199XXX #XXX: $3,001XXX #XXX: $5,5900XXX #XXX: $8,374XXX #XXX: $13,842XXX #XXX: $19,759XXX #XXX: $32,233XXX #XXX; $36,607XXX/ XXX #XXX: $145,225XXX/XXX/XXX #XXX: $203,046XXX/XXX/XXX #XXX: $267,249XXX #XXX: $622,787 |
7/21/2026: Lender indicates business pays credit debts listed. After further review, Clayton disagrees. After checking just 3/2026 and 2/2026 statements for XXX #XXX, it is shown that XXXfor $153.35, XXX for $700.13 (now <10 anyway) and XXX $1,297.52 are paid. None of the other creditors show payments from business account. Additionally, 5/2025 statement is missing. No changes made. |
7/21/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 34 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | HI | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/ VOR (e.g. cancelled checks) |
No | Homeowners insurance for XXX shows XXX as mortgagee. This does not show on credit report. XXX secured credit line XXX (Trade 2) is a secured credit line. No confirmation on what property it is secured. |
7/21/2026: Received docs to show HELOLC #XXX is secured to XXX. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $307,793.66 or 41.88 months PITIA. Required PITIA reserves Per AUS are $44,092.08.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV of 69.12% is less than max allowed 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 788 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | HI | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL100 | Potential title issue |
No | Evidence that XXX is authorized to sell property for the XXX dated 11/29/07. |
7/21/2026: Received Trust Agreement verifying XXX is authorized to sell property for Trust. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $307,793.66 or 41.88 months PITIA. Required PITIA reserves Per AUS are $44,092.08.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV of 69.12% is less than max allowed 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 788 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 479 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Score not available. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 640
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 14 years, 6 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.55% | |||||||||||||||||||||||||||||||||||||
| 481 | 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 | ABA missing | (No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 8 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 481 | 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 | Property Valuations |
Property | Satisfied | A | A | A | A | PRVAPROP132 | Missing HOA Certificate/ Questionnaire |
No | Need HOA dues for XXX. |
(No Data) | Canceled by PQC. Verified $135 annual HOA on XXX. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 8 years. | |||||||||||||||||||||||||||||||||||||
| 484 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 298 months of 0x30 consumer credit history per CBR; 24 months required.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 311 months of 0x30 consumer credit history per CBR. 12 months required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6.5 years employed with XXX.
CFCFS2854: Significant time in profession - Clayton Comments: 6.8 years working in the XXX.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 120.61 months of reserves in file.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid-score per CBR. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 805 exceeds guidelines
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.013%; guidelines allow 85%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
No | Finance charge on revised CD XXX and PCCD XXX is $493967.01. Review calculated finance charge is $494292.00. Finance charge understated by $324.99. Page 4 of Mavent provided also shows finance charge fail. |
7/21/26 — Lender provided a refund to the borrower in the amount of $325.04 corrected PCCD, copy of refund check, LOX and verification of shipping. |
7/21/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have234 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
No | Amount financed on revised CD XXX and PCCD XXX is $364126.56. Review calculates amount financed to be $363801.56. This is a difference of $325.00. Page 4 of Mavent provided also shows finance charge fail. |
7/21/26 — Lender provided a refund to the borrower in the amount of $325.04 corrected PCCD, copy of refund check, LOX and verification of shipping. |
7/21/26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have234 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have234 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD |
No | Not all required seller-paid fees were disclosed on the final CD. Seller’s CD in file and able to trace all fees, exception is satisfied. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have234 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have234 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 490 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 18+ years at present job
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have67 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 493 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, 70 months reported with no lates
CFCFS2860: Good credit history - Clayton Comments: Borrowers have no history of late payments
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $893,914.39 or 316.37 months of PITI Required PITI Reserves are $2825.57 x 4.18 months = $11,812.00 | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Loan file is missing Affiliate Business Disclosure. Please provide. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 20.10% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 773 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3640 | TRID — CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Need evidence of change of circumstances letter for Zero Percent tolerance, (Discount Point Fee) increase, or LOX, corrected Closing Disclosure, a copy of a refund check in the amount of $ 735.75, and proof of delivery within 60 days of consummation. |
7/24/26 — Lender provided COC showing increase in discounts points. |
7/24/26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 20.10% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 773 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 20.10% DTI. Max allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 773 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 25 years, 9 months at primary residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 14.39%
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 36 years, 2 months with current employer. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 25 years, 9 months at primary residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 14.39%
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 36 years, 2 months with current employer. | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit usage ratio of 6.14%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below maximum of 85%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $72,562.97 exceed required of $15,948.54.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.89% is below maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 803 exceeds 620 minimum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | DE | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.17%; guideline allows 80%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $13,365.11 or 8.79 PITI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 725 is 105 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | 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: Post closing Assets: $251,272.69; required $5,501.32 reserves
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 20 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 28% DTI; Max is 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Insufficient Hazard Insurance Coverage provided. |
7/24/2026 Received RCE that supports dwelling coverage is sufficient. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
(No Data) | |||||||||||||||||||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
(No Data) |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 507 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $120,809.34 exceed required reserves $22,105.56.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 21 mos. 0x30.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at current residence. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 53 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 53 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 511 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $811,392.58 exceeds required reserves $8,841.51.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 20 mos. 0x30 and 20 mos. 0x30.
CFCFS2854: Significant time in profession - Clayton Comments: B1 has 20 years in same line of work. B2 has 30 years in same line of work. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 512 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | PIW approved loan. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $544,366.08 or 162.71
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guideline allows 80%. | |||||||||||||||||||||||||||||||||||||
| 512 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | PIW approved loan. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $544,366.08 or 162.71
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guideline allows 80%. | |||||||||||||||||||||||||||||||||||||
| 514 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 808 exceeds guidelines.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.06% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
D | C | D | A | A | A | D | C | D | C | D | A | A | A | D | C | Compliance | Ability to Repay/ Qualified Mortgage |
Active | A | C | A | C | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
Yes | Clayton ATR/QM status Non-QM Lender documented all UW factors due to exceeds fee/ points:Adjusted Charges$11,572.43Total Loan Amount$XXXMaximum Charges %3.000%Maximum Charges$11,092.24Charges Margin to Threshold$480.19Total Charges %3.130%Exceeds fees test threshold?Yes |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have283 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
D | C | D | A | A | A | D | C | D | C | D | A | A | A | D | C | Compliance | Ability to Repay/ Qualified Mortgage |
Active | A | C | A | C | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
Yes | Clayton ATR/QM status Non-QM Lender documented all UW factors due to exceeds fee/ points:Adjusted Charges$11,572.43Total Loan Amount$XXXMaximum Charges %3.000%Maximum Charges$11,092.24Charges Margin to Threshold$480.19Total Charges %3.130%Exceeds fees test threshold?Yes |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have283 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
D | C | D | A | A | A | D | C | D | C | D | A | A | A | D | C | 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 evidence of sale of property secured by XXX/ XXX#XXX $249,916.00 — for REO XXX |
7/24/2026: Received Seller CD showing REO sold and lien is paid. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have283 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
Non-QM: Lender documented all ATR UW factors |
D | C | D | A | A | A | D | C | D | C | D | A | A | A | D | C | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property |
No | Missing evidence of sale of property secured by XXX/ XXX #XXX $XXX- for REO XXX |
7/24/2026: Received Seller CD showing REO sold and lien is paid. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have283 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 518 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 23 years and 3 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $272,751.90 exceed $0 in required reserves.
CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has been in the same line of work for 30 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 520 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order deskreview |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 68.33%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.55% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 525 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at primary residence
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.49% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Clayton verified SH. Lender verified ATR Exempt. |
7/24/2026: Received SH status. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $117,033.30 or 62.32 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 763 is 143 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA — List of homeowners counseling organizations not in file |
No | List of homeowners counseling organizations not in file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $117,033.30 or 62.32 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 763 is 143 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | ID | 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 | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $117,033.30 or 62.32 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 763 is 143 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | OH | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed “Subject To” w/o Completion Cert in File |
No | Missing completion cert. 442. |
8/4/2026: Received 1004D. 100% complete and occupied. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job for 12 years 6 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 25 years 6 minths.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Representative credit score 818. | |||||||||||||||||||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | OH | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing third party valuation, Clayton to order Desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job for 12 years 6 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 25 years 6 minths.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Representative credit score 818. | |||||||||||||||||||||||||||||||||||||
| 541 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 742 is 122 points above program guideline minimum of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.20% DTI is below guideline requirement of 45.00%.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 85.00% per program. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | SD | 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: Mortgage history reports 51 mos. 0x30,
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $15,354.13 or 12.51 PITI. Required reserves $7,973.97.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 6 years at current residence. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA/ CU score due to property type. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $206,809.80 or 86.24 PITI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 766 is 146 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 553 | XXXXXX | XXXXXX | ID | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 23 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $121,886.76 / 54.87 months PITI > min required of $13,328.02.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 554 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 33 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.30%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 557 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 is 154 points above program minimum requirement of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.26%; guideline allows 85%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $57,380.28 or 25.50 PITI | |||||||||||||||||||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 3.5. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 792 is 172 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $390,470.90 or 123.73 PITI | |||||||||||||||||||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 20.27%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have143 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.54%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 30+ years |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan approved with PIW. Clayton to order BPO. |
7/21/2026: Received BPO. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 17+ years at present job.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower at primary residence for 21 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 17+ years at present job.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower at primary residence for 21 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/21/2026: Exception added after review of trailing docs: 7/21/2026: Received BPO not supporting value. Clayton to order 2055 Report Exterior- only. |
7/27/2026: Received 2055 Report supporting value. |
7/27/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 17+ years at present job.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower at primary residence for 21 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 90%. | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | MO | ATR/ QM: Exempt |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | C | C | D | C | D | C | D | A | C | C | Compliance | Ability to Repay/ Qualified Mortgage |
Active | C | C | C | C | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
Yes | Mavent in file dated 5/6/26 lists status as exempt. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Post-close assets are $347,018.02 or 175.51 months PITIA. Required PITIA reserves are $102,775.28.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 744 exceeds required FICO of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 11/15/1993. | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | MO | ATR/ QM: Exempt |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | C | C | D | C | D | C | D | A | C | C | Compliance | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination |
No | NMLS shows loan originator inactive in Missouri since 2025. |
7/21/2026: Received updated NMLS to show all are active. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Post-close assets are $347,018.02 or 175.51 months PITIA. Required PITIA reserves are $102,775.28.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 744 exceeds required FICO of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 11/15/1993. | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | MO | ATR/ QM: Exempt |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | C | C | D | C | D | C | D | A | C | C | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | XXX account is a retirement account (401k) through the borrower’s employer. Documents provided did not state guidelines for withdrawal. AUS recognized as a mutual fund, not a retirement fund. |
8/6/2026: Received T/C. Borrower is over XXX yrs old, withdrawals are allowed. Used 80% value. Reserves requirement still met. |
8/6/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Post-close assets are $347,018.02 or 175.51 months PITIA. Required PITIA reserves are $102,775.28.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 744 exceeds required FICO of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 11/15/1993. | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | MO | ATR/ QM: Exempt |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | C | C | D | C | D | C | D | A | C | C | Credit | DTI | Active | C | C | C | C | CRDDTI187 | Debt Ratio > 50% |
Yes | LP was rerun on 6/3/26 without a supporting 1003 to validate income. Income worksheet uploaded has debt difference of $1,025.07. |
7/17/2026: Received 1008 and AUS. The Other Income shown on WVOE is nowhere on paystubs provided. Need documentation to verify what this income is and why it is not on the paystub. Not added to income until it can be validated.8/6/2026: Received LOX about the Bonus income. This is not the issue. The Final 1003 has $1,426.19/month Employee related income — no docs or info on this. |
7/17/2026: Exception remains.8/6/2026: Exception remains. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Post-close assets are $347,018.02 or 175.51 months PITIA. Required PITIA reserves are $102,775.28.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 744 exceeds required FICO of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 11/15/1993. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | MO | ATR/ QM: Exempt |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | C | C | D | C | D | C | D | A | C | C | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing hazard insurance dec page for XXX. HOA dues for XXX not documented (received letter from borrower). |
7/13/2026: Received verification no HOA on XXX. 8/6/2026: Received HOI for XXX. |
7/13/2026: Exception remains dec page for XXX.8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Post-close assets are $347,018.02 or 175.51 months PITIA. Required PITIA reserves are $102,775.28.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 744 exceeds required FICO of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 11/15/1993. | |||||||||||||||||||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | MO | ATR/ QM: Exempt |
QM: Safe Harbor (APOR) |
D | C | D | C | D | A | C | C | D | C | D | C | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score > 2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Post-close assets are $347,018.02 or 175.51 months PITIA. Required PITIA reserves are $102,775.28.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 744 exceeds required FICO of 620.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 11/15/1993. | |||||||||||||||||||||||||||||||||||||
| 569 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence.
CFCFS2854: Significant time in profession - Clayton Comments: 16.1 years in the XXX.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid-score per CBR.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $87,042.54 in post closing reserves. DU requires $21,332.77 reserves.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 183 months of 0x30 mortgage history per CBR; 12 months required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16.1 years employed with XXX. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 40 years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 816 exceeds minimum requirement of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24 years at current job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrowers have maintained an overall good credit history with no historical delinquencies.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage history
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 754 is higher than the minimum required by more than 100 points.
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have maintained a lifetime 0 x 30 mortgage payment history.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in current profession for more than 10 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 573 | 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: Representative credit score 701. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 574 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Haz ins of $300,314 does not cover loan amount of $XXX or minimum required coverage of $309K. |
8/6/2026: Received RCE. Coverage is sufficient. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 26 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 815 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 577 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC2698 | Missing required mortgage insurance certificate |
No | Missing for the primary residence. |
7/10/2026: Received MI Cert. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 15.95% is below guideline maximum 50%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $991,172.88 or 169.38 months of P&I
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @29.08% | |||||||||||||||||||||||||||||||||||||
| 579 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA Score 3.5. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 17+ years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.17 is below guideline requirement | |||||||||||||||||||||||||||||||||||||
| 580 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is missing. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $381,423.53 exceed the guideline requirement of $0.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 18.33%.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence 33 years and 5 months. | |||||||||||||||||||||||||||||||||||||
| 584 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File |
No | Missing Royalty contract for B2, to support $1,263.00 per month and to verify income will continue for three years from application date |
8/4/2026: Received Distribution Agreement and verifies one year extension for each renewal term unless either party submits notice of termination 60 days prior. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years XXX
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 58 months
CFCFS1736: Significant time at current residence - Clayton Comments: B2 has been at primary residence for 20+ years | |||||||||||||||||||||||||||||||||||||
| 584 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review supporting appraised value. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years XXX
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 58 months
CFCFS1736: Significant time at current residence - Clayton Comments: B2 has been at primary residence for 20+ years | |||||||||||||||||||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure |
Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller- paid fees were disclosed on the CD |
No | 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 . |
Numeric | Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at current job for 19 years and 7 months.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 27 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 13 years. | |||||||||||||||||||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at current job for 19 years and 7 months.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 27 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 13 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score. Clayton to order Desk Review. |
7/29/2026 Received desk review. Value supported with - 2.65% variance. Value supported within tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% CLTV < max permitted of 90%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 16% DTI < max permitted of 50%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 680 | |||||||||||||||||||||||||||||||||||||
| 593 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
No | Missing final CD, taxes, insurance, and HOA for XXX purchase. |
7/13/2026: Received Final CD XXX with PITI and verification no HOA. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is XXX and in business for 6 years, 3 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 30.15% | |||||||||||||||||||||||||||||||||||||
| 593 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing final CD, taxes, insurance, and HOA for XXX purchase. |
7/13/2026: Received Final CD XXX with PITI and verification no HOA. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is XXX and in business for 6 years, 3 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 30.15% | |||||||||||||||||||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | AL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 999 > 2.5. Clayton to order Desk Review |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV < 80% product max
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $141862.83 Verified cash reserves > $10518.38 required
CFCFS1744: DTI below guideline requirement - Clayton Comments: 45.39% DTI < guideline max 50%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ Years at current job | |||||||||||||||||||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | OK | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 760. Minimum credit score 620-680.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves required per AUS $43,104.03Borrower has $185,641.62equates to 58.23 months PITIA.
CFCFS2860: Good credit history - Clayton Comments: No derogatory items listed on credit. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 597 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | C | A | C | A | C | 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 | Provide the Initial CD XXX confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply |
07.27.206 - Disclosure tracking provided. |
07.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Debt consolidation provided monthly savings to borrowers.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have169 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 597 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing |
No | Missing Verbal Verification of Employment for Borrower. Missing Verbal Verification of Employment for Co Borrower. |
7/15/2026: WVOEs received are dated XXX. Loan closed XXX. Provide funding VVOEs.7/31/2026: Received clear copy of 3/31/2026 LES for B1 — valid for 120 days. B2 has no income. |
7/15/2026: Exception remains.7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Debt consolidation provided monthly savings to borrowers.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have169 months mortgage payment history 0x30. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 598 | XXXXXX | XXXXXX | MI | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | XXX bank statement shows earnest money deposit on 2/25/26 in the amount of $20,000 that is unrelated to the subject transaction. Missing documentation to verify the obligation related to the purchase. If purchase was canceled, provide evidence of cancellation. If new debt obtained, loan must be resubmitted to AUS and retain Accept/ Eligible determination. |
7/30/2026: Received Mutual Release of Purchase Contract, showing $20K returned. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $81,126.39 / 39.80 months PITIA > min required of $19,126.40.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 20.15%. | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 601 | XXXXXX | XXXXXX | MI | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 742 is 122 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $18,209.49, 10.86 months; 15,264.33 months required
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 45.28% is below the guideline maximum of 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 604 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years & 10 months at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 165 points above guideline minimum of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years & 8 months at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 605 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 Credit score exceeds program minimum.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have no lates on credit.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 0 x 30 mortgage history. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not provided. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 19 years, 4 months with current employer.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at Primary residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 22.26% | |||||||||||||||||||||||||||||||||||||
| 609 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP2658 | Missing 3rd-party anti-fraud report |
No | Fraud report is in file, however, there are two participants that have hits for their names and UW did not see an advanced search to ensure these parties are clear. XXX the appraiser and XXX. Provide documentation verifying these parties are cleared for the transaction. |
7/24/2026: Received docs for appraiser and LOX for XXX: The excluded party’s full name is XXX which is not our party |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.285% is below guideline maximum 50%.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.87%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $36,936.34 / 20 months PITIA > min required of $37,749.93 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | IA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.00%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.37% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $151,947.60 or 72.34 months PITIA. Required reserves are $16,272.81
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 213 months. | |||||||||||||||||||||||||||||||||||||
| 612 | 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 | UCDP received reflects no findings. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 17+ years at primary residence. | |||||||||||||||||||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 5 years with current employer
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.46% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/28/2026: Received CDA supporting value. |
7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.00%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have164 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 202 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%.
CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at primary residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $199,236.19 /34.53 months PITIA (all REO)> min required $12,800.10. | |||||||||||||||||||||||||||||||||||||
| 620 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing. | 7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @5.458%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $459,632.60 or 93.97 months of P&I
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.77% is below guideline maximum 45% | |||||||||||||||||||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $104,451.03 or 42.66 months of PITI. Required reserves are $15,249.34.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers has min use of credit at about 15%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession and at his current job for over 7 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 716 exceeds the min requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 623 | 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 | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 26+ years with current employer
CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at primary residence.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 31+ years with primary employer |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 624 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have690 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 625 | XXXXXX | XXXXXX | CT | (No Data) | ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Property | Satisfied | D | A | D | A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter |
No | Zoned legal non- conforming- missing appraiser comment ok to rebuild. |
8/4/2026: Received revised appraisal, Ok to rebuild. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 775 is 155 points above program guideline minimum of 620.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||||||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.17% is below guideline maximum 50%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $38,434.70 / 4.25 months PITIA (all REO)> min required $6,68.17.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.00%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have158 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 318 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 635 | XXXXXX | XXXXXX | ID | (No Data) | ATR/ QM: Exempt |
D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | No CU score. Clayton to order desk review |
7/24/2026: CDA received reviewed appraisal for another REO. CDA to corrected and reviewed for subject. |
7/24/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x63 mortgage payment history
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in the same profession
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $139,662.75 or 53.26 months of PITI.$73,207.01 Required Reserves. | |||||||||||||||||||||||||||||||||||||
| 638 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 3.5. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years at current job.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 610.02 months PITI is 604.02 months greater than the 6 months reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 775 is 155 points above the 620 required.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 72 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 25 years. | |||||||||||||||||||||||||||||||||||||
| 642 | XXXXXX | XXXXXX | MI | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49%; guidelines allow 75%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.75%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20+ years at present job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.52% is below guideline maximum 50%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 231 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $32,471.68 / 3.79 months PITIA (all REO)> min required $11,946.12.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have108 months mortgage payment history 0x30. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan approved with PIW — AUS 04/22/26 Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.75%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20+ years at present job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.52% is below guideline maximum 50%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 231 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $32,471.68 / 3.79 months PITIA (all REO)> min required $11,946.12.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have108 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.75%
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20+ years at present job
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.52% is below guideline maximum 50%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 231 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $32,471.68 / 3.79 months PITIA (all REO)> min required $11,946.12.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 90%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have108 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 647 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor |
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: 26.73% DTI below guideline requirement of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 788 is higher than the minimum requirement by more than 100 points.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has paid mortgage history, paid as agreed for lifetime history. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | PA | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 658 | XXXXXX | XXXXXX | MN | (No Data) | ATR/QM: Exempt |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/ Mtg History |
Active | B | B | B | B | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines |
No | Missing documentation to support XXX #XXX charge off in the amount of $302 has been paid in full — required per DU Findings. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% | |||||||||||||||||||||||||||||||||||||
| 662 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $82,810.86 or 21.32 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 90%; Guideline allows 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 160 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 662 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | PIW approved loan. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $82,810.86 or 21.32 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 90%; Guideline allows 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 160 points above program minimum requirement of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 662 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | PIW approved loan. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $82,810.86 or 21.32 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 90%; Guideline allows 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 160 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 665 | XXXXXX | XXXXXX | IL | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU (Non- UAD) Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $52,878.69 or 16.41 months of PITI Required PITI Reserves are $19,329.51 or 6 months @ $3221.58Additional Business account balance of $22,025 verified, not use by lender for qualifying
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX > #7 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 695 exceeds minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 668 | XXXXXX | XXXXXX | MN | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers has lived at current residence for more than 22 years.
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 77.1% is less than the max allowed of 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 786 exceeds the min requirement of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have min use of credit at about 10%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $732,365.70 or 114.80 months of PITI. Required reserves are $44,043.84.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower #1 has been in his current profession for 20 years. | |||||||||||||||||||||||||||||||||||||
| 672 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is 2.6 >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 673 | 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: 691 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% CLTV < max permitted of 75%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 44% DTI < max permitted of 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 675 | XXXXXX | XXXXXX | LA | (No Data) | ATR/QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close |
No | Missing proof of “Other Liquid Assets” per 1003 of $145,084.09. Short to close without proof of these assets in file. |
7/17/2026: Received Title Co receipt for net proceeds from three sold REOs. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 288 months of 0x30 consumer credit history per CBR; 24 months required.
CFCFS2854: Significant time in profession - Clayton Comments: 23 years employed in the XXX.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid-score per CBR. | |||||||||||||||||||||||||||||||||||||
| 675 | XXXXXX | XXXXXX | LA | (No Data) | ATR/QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements |
No | Missing proof of “Other Liquid Assets” per 1003 of $145,084.09. No reserves verified. LP requires $22,504.14 reserves. |
7/17/2026: Received Title Co receipt for net proceeds from three sold REOs. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 288 months of 0x30 consumer credit history per CBR; 24 months required.
CFCFS2854: Significant time in profession - Clayton Comments: 23 years employed in the XXX.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid-score per CBR. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 675 | XXXXXX | XXXXXX | LA | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score due to property type. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 288 months of 0x30 consumer credit history per CBR; 24 months required.
CFCFS2854: Significant time in profession - Clayton Comments: 23 years employed in the XXX.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid-score per CBR. | |||||||||||||||||||||||||||||||||||||
| 680 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | Provide Supervisory Appraiser License and current E&O insurance. |
7/14/2026: Received signature page of appraisal. Still need the appraiser license and E&O insurance.7/24/2026: Received appraiser license and E&O. |
7/14/2026: Exception remains.7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 80% is 5 points below the program guideline maximum 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 719 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 2.8. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guideline allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 is 175 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $105,785.59 or 29.71 PITI | |||||||||||||||||||||||||||||||||||||
| 682 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 795 exceeds guidelines. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Adjusted Charges $11,320.40Total Loan Amount $XXXMaximum Charges 3.000%Maximum Charges $8,931.69Charges Margin to Threshold $2,388.71Total Charges 3.802Exceeds fees test threshold? Yes |
8/6/2026: Received docs to show 7.625% Par Rate. Loan is now SH. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 117 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $128,728.54 or 55.20 months of PITI.Required PITI reserves are $20,069.32 per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Adjusted Charges $11,320.40Total Loan Amount $XXXMaximum Charges 3.000%Maximum Charges $8,931.69Charges Margin to Threshold $2,388.71Total Charges 3.802Exceeds fees test threshold? Yes |
8/6/2026: Received docs to show 7.625% Par Rate. Loan is now SH. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 117 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $128,728.54 or 55.20 months of PITI.Required PITI reserves are $20,069.32 per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| 684 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Clayton ATR/ QM status Non- QM Lender documented all UW factors due to exceeds fee/ points. Lender verified Rebuttable Presumption. |
8/6/2026: Received docs to show 7.625% Par Rate. Loan is now SH. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 684 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Clayton ATR/QM status Non- QM Lender documented all UW factors due to exceeds fee/points. |
8/6/2026: Received docs to show 7.625% Par Rate. Loan is now SH. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 685 | XXXXXX | XXXXXX | SC | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.87%; guidelines allow 85%
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has48 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $11,181.15 / 3.82 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/17/2026: Received BPO supporting value. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has48 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $11,181.15 / 3.82 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/17/2026: Received BPO supporting value. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has48 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $11,181.15 / 3.82 months PITIA > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 50 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 808 is 188 points above the 620 required. | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA — List of homeowners counseling organizations not in file |
No | List of homeowners counseling organizations not in file; please provide. |
08.10.2026 — Tracking provided however please provide actual Initial Homeowners counseling notice and Affiliated business disclosure. |
08.10.2026 -Exception remains |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure |
08.10.2026 — Tracking provided however please provide actual Initial Homeowners counseling notice and Affiliated business disclosure. |
08.10.2026- Exception remains |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | State Consumer Protection |
Active | B | B | B | B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided |
No | Provide evidence of timely provision/ receipt of the OH CSPA; Home Mortgage Information Document |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | The file contains only the Final CD signed at closing. Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply. |
8/10/26 — Lender provided initial CD dated XXX. |
8/10/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3662 | TRID — Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance |
No | Missing initial CD |
8/10/26 — Lender provided initial CD dated 5/5/26. |
8/10/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | The tolerance is triggered due to the missing SPL; without the SPL, the Comparison screen cannot be calculated correctly which creates a toleranceZero tolerance fees increased by $704.85 for email fee $175.00, endorsements fees increase of $194.80, recording service $50.00 and commitment fee of $50.00 without a Change of Circumstance. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
8/10/26 — Lender provided SPL. |
8/10/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID — CD: Missing Initial CD |
No | Missing initial CD |
8/10/26 — Lender provided initial CD dated and signed XXX |
8/10/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | OH | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is 4 >2.5. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 697 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score > 2.5. Clayton to order desk review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 216.22 months PITI is 208.07 months greater than the 8.14 months reserves required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years 8 months at current job.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years 9 months at current residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 752 is 132 points above the 620 required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 698 | 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 lates on mortgage. 0 x 30 in 99 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 20 years.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work 24 years and 2 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption |
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 | #1 — Missing evidence of any HOA fees on Property#2 on the 1003#2 — Missing evidence of all taxes, insurance, and HOA fees for the Property #4 on the 1003#3 — Missing evidence that the third property listed on the schedule E of the 1040s is no longer owned by the applicant |
7/13/2026: Received docs for Items #1, #2. Still need status for REO on Sch E XXX.7/24/2026: Received verification XXX REO is owned by a third party. |
7/13/2026: Exception remains.7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 743 exceeds minimum fico 620
CFCFS2854: Significant time in profession - Clayton Comments: Applicant has been in the same profession for 35 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: At current job for 24 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.55% falls below max of 75% | |||||||||||||||||||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption |
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 | #1 — Missing evidence of any HOA fees on Property#2 on the 1003#2 — Missing evidence of all taxes, insurance, and HOA fees for the Property #4 on the 1003#3 — Missing evidence that the third property listed on the schedule E of the 1040s is no longer owned by the applicant |
7/13/2026: Received docs for Items #1, #2. Still need status for REO on Sch E XXX7/24/2026: Received verification XXX REO is owned by a third party. |
7/13/2026: Exception remains.7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 743 exceeds minimum fico 620
CFCFS2854: Significant time in profession - Clayton Comments: Applicant has been in the same profession for 35 years
CFCFS1734: Borrower has significant time at current job - Clayton Comments: At current job for 24 years
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.55% falls below max of 75% | |||||||||||||||||||||||||||||||||||||
| 710 | XXXXXX | XXXXXX | FL | (No Data) | ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Clayton ATR/QM status: Non-QM: Lender documented all ATR UW factors due to exceeds points/fees:Adjusted Charges$9,607.50Total Loan Amount$XXXMaximum Charges %3.000%Maximum Charges$8,087.98Charges Margin to Threshold$1,519.52Total Charges %3.564%Exceeds fees test threshold?Yes |
07.27.2026 — Business cert affidavit provided. |
07.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 723 exceeds minimum of 660
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional validated income not used for qualifying Paystub $5833.33 X 26 = $151,666.58 /12 = $12,638.88 vs. WVOE: $140,000 / 12 = $11,666.67
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,385.92 / 2416 or 19.61 months of PITI Required PITI Reserves are $28,092.60 or 11.63 months @ $2415.69 Business account #XXX 3/3/26 balance $166,939.15 source account for large transfer, balance was not used or needed for qualifying | |||||||||||||||||||||||||||||||||||||
| 710 | XXXXXX | XXXXXX | FL | (No Data) | ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Clayton ATR/QM status: Non-QM: Lender documented all ATR UW factors due to exceeds points/fees:Adjusted Charges$9,607.50Total Loan Amount$XXXMaximum Charges %3.000%Maximum Charges$8,087.98Charges Margin to Threshold$1,519.52Total Charges %3.564%Exceeds fees test threshold?Yes |
07.27.2026 — Business cert affidavit provided. |
07.27.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 723 exceeds minimum of 660
CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional validated income not used for qualifying Paystub $5833.33 X 26 = $151,666.58 /12 = $12,638.88 vs. WVOE: $140,000 / 12 = $11,666.67
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,385.92 / 2416 or 19.61 months of PITI Required PITI Reserves are $28,092.60 or 11.63 months @ $2415.69 Business account #XXX 3/3/26 balance $166,939.15 source account for large transfer, balance was not used or needed for qualifying | |||||||||||||||||||||||||||||||||||||
| 712 | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 803 exceeds minimum of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Good mortgage payment history since 4/2021: 0X30, 0X60, 0X90
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #3 years
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $103,760.94 or 46.9 months of PITI Required PITI Reserves are $13,274.44 or 6 months @ $2212.41Cash out at closing $295,827.66 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 715 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 781 was higher than the minimum requirement (620) by more than 100 points.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a minimal use of credit of only 31.72%
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained an overall good credit history. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method | Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 717 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines -Clayton Comments: Post closing Assets: $47,268.06; required $30,166.66 reserves
CFCFS1741: Credit score exceeds guidelines -Clayton Comments: 752 rep score; minimum score 640 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 720 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Credit | Terms/Guidelines | Active | C | C | C | C | CRDTER4238 | Business entity does not meet guidelines |
Yes | Borrower’s business is an ineligible entity. Seller guidelines specifies business can not be related to the XXX. Per page 1038 of XXX Selling Guides, QC Plan Requirements, loan must meet Federal, State and Local Laws. Federally, business is not legal. |
(No Data) | (No Data) | (No Data) |
Not Applicable | CFCFS1737: LTV below guideline requirements -Clayton Comments: LTV is 73.68%; guidelines allow 75%.
CFCFS1741: Credit score exceeds guidelines -Clayton Comments: 805 mid score > min required of 620
CFCFS1744: DTI below guideline requirement -Clayton Comments: Borrowers DTI 4.34% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 720 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable | CFCFS1737: LTV below guideline requirements -Clayton Comments: LTV is 73.68%; guidelines allow 75%.
CFCFS1741: Credit score exceeds guidelines -Clayton Comments: 805 mid score > min required of 620
CFCFS1744: DTI below guideline requirement -Clayton Comments: Borrowers DTI 4.34% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 723 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
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 | The subject loan is missing documentation to support the omission of XXX, XXX and XXX |
7/21/2026: Received Final CD for another REO showing refi paid debts. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable | CFCFS1734: Borrower has significant time at current job -Clayton Comments: 7+ years at present job
CFCFS1741: Credit score exceeds guidelines -Clayton Comments: 709 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 723 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | The subject loan is missing documentation to support the omission of XXX, XXX and XXX |
7/21/2026: Received Final CD for another REO showing refi paid debts. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable | CFCFS1734: Borrower has significant time at current job -Clayton Comments: 7+ years at present job
CFCFS1741: Credit score exceeds guidelines -Clayton Comments: 709 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 725 | XXXXXX | XXXXXX | PA | 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 was sent on XXX, technically borrower received it the same day, however, we do not have verification in file that the borrower opened the email, we are going with the 3 day mailbox rule. Final CD dated XXX and signed by borrower on 05/15/2026. Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX |
7/21/26 - Lender provided verification of receipts for Initial CD dated and signed XXX. |
7/21/26 - Exception satisfied. |
(No Data) |
Not Applicable | CFCFS1741: Credit score exceeds guidelines -Clayton Comments: 698 mid score > min required of 620
CFCFS1736: Significant time at current residence -Clayton Comments: Significant time at current residence 40 years | |||||||||||||||||||||||||||||||||||||
| 742 | XXXXXX | XXXXXX | CO | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines -Clayton Comments: Borrower has 0x30 for 339 months.
CFCFS5269: Minimal use of credit -Clayton Comments: Minimal usage of available revolving credit lines @ 4.40%
CFCFS1731: Verified cash reserves exceed guidelines -Clayton Comments: Post closing assets $2,280,484.88 /154.32 months PITIA (all REO)> min required $57,107.64.
CFCFS1744: DTI below guideline requirement -Clayton Comments: Borrowers DTI 17.67% is below guideline maximum 45%.
CFCFS1740: Mortgage payment history exceeds guidelines -Clayton Comments: Borrowers have115 months mortgage payment history 0x30.
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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 748 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 32 years at current residence.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.73% is below 45% maximum.
CFCFS5269: Minimal use of credit - Clayton Comments: Low credit utilization of 4.20%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 764 exceeds min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are $289,282.98 and exceed required reserves of $10,644.45.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.20% is below 85% maximum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is > 2.5. Clayton to order desk review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per secretary of state website, business has been active since 7/18/2016.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 727 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 37.04% is lower than max DTI allowed 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $42,985.83 or 18.778 months PITIA. Required PITIA reserves are $22,527.20. Reserves can cover $4,560 owed to IRS for 2025 1040. | |||||||||||||||||||||||||||||||||||||
| 752 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
No | Missing verification of what secures the XXX HELOC #XXX or verification the HELOC is closed. HELOC noted on the credit report. |
7/28/2026: Received PDR to show HELOC is secured to XXX. |
7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $141,514.24 exceed guideline requirement of $0
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 795 Median Credit Score, Oldest Trade 3/2009
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 Median Credit Score exceed lender standard minimum credit score of 620 | |||||||||||||||||||||||||||||||||||||
| 752 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | Initial CD dated XXX was delivered e signed by borrower on 05/15/2026 Final CD dated XXX and wet signed by borrower on 05/18/2026 The loan was consummated before the end of the 3 day waiting period Please provide evidence that the borrower acknowledged receipt of the CD 3 days prior to consummation date XXX |
07.29.2026 -ICD received |
07.29.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $141,514.24 exceed guideline requirement of $0
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 795 Median Credit Score, Oldest Trade 3/2009
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 Median Credit Score exceed lender standard minimum credit score of 620 | |||||||||||||||||||||||||||||||||||||
| 752 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing verification of what secures the XXX HELOC #XXX or verification the HELOC is closed. HELOC noted on the credit report. |
7/28/2026: Received PDR to show HELOC is secured to XXX. |
7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $141,514.24 exceed guideline requirement of $0
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 795 Median Credit Score, Oldest Trade 3/2009
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 Median Credit Score exceed lender standard minimum credit score of 620 | |||||||||||||||||||||||||||||||||||||
| 752 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $141,514.24 exceed guideline requirement of $0
CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 795 Median Credit Score, Oldest Trade 3/2009
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 Median Credit Score exceed lender standard minimum credit score of 620 | |||||||||||||||||||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | LA | 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 $209199.09 / 102.86 months PITIA > min required of $39,441.72.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 755 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 708 is 88 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $82,741.51 or 27.46 PITI
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score of 708 is 88 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 757 | 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 | CFCFS2860: Good credit history - Clayton Comments: 35.81% DTI < max permitted of 50%
CFCFS1744: DTI below guideline requirement - Clayton Comments: 788 mid score > min required of 680
CFCFS1737: LTV below guideline requirements - Clayton Comments: 90% CLTV < max permitted of 90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 758 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 30 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 760 | XXXXXX | XXXXXX | NV | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $90,998.67 or 49.57 PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 767 is 147 points above program minimum requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 763 | XXXXXX | XXXXXX | AR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $762,906.42, 330.29 months; $13,858.80 required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.94% is below the guideline maximum of 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 765 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed minimum required guidelines by more than six months PITI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 775 is higher than the minimum requirement of 620
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has maintained a positive 0 x 30 lifetime mortgage history | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 777 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 781. Minimum requirement 620-680.
CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower currently earning base plus commission and amounts could increase given the industry and title.
CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit.
CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close reserves $2,293,524.78.=847.16 months PITIA $2,707.31. AUS requirement $90,015.83. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 780 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | 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: 723 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 19+ years at primary residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 63+ years with current employer | |||||||||||||||||||||||||||||||||||||
| 780 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA/RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
Yes | Zero Tolerance Fee of $283.56 due to Inspection fee and Discount Point fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 19+ years at primary residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 63+ years with current employer | |||||||||||||||||||||||||||||||||||||
| 792 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | DU returned no score. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 785.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for 4 years.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $259,744.35 or 90.57 months of PITI. | |||||||||||||||||||||||||||||||||||||
| 793 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt |
D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% |
No | 7/13/2026: Exception added after review of trailing docs: DTI is updated to 47.60% with refinance of XXX lien. Lender verified 39.56% on latest DU. Provide updated DU with DTI within tolerance meeting App/ Eligible Risk Class. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current address
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 753 exceeds minimum fico requirement of 640
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $94,031.60 minus $76,790.70 = $17,240.90. Required reserves = $14,213.81
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 12 years at current job | |||||||||||||||||||||||||||||||||||||
| 793 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt |
D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | Applicant recently refinanced and received $89K cashout. Paid off the existing 2nd on the primary residence but the new 2nd mortgage of $1,204.30 was not considered in the final 1008. |
7/13/2026: Final CD received is for XXX REO showing $89K+ cash out. DTI is now 47.60%. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current address
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 753 exceeds minimum fico requirement of 640
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $94,031.60 minus $76,790.70 = $17,240.90. Required reserves = $14,213.81
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 12 years at current job | |||||||||||||||||||||||||||||||||||||
| 793 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt |
D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | #1 — Missing evidence of any HOA fees on the Non- Subject rental property#2 — Missing the Mortgage statement on the Non- Subject rental property to ensure taxes and insurance are included in escrow#2 — Missing evidence that the that the refinance of the primary residence on 3/27/2026 Paid off the XXX on the property that had a balance of $178,392 on 2/1/26. The HUD shows a payoff of this account of only $6,169.33 on 3/27/26. |
7/13/2026: Received verification with Final CD on XXX REO for all three items required. |
7/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current address
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 753 exceeds minimum fico requirement of 640
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $94,031.60 minus $76,790.70 = $17,240.90. Required reserves = $14,213.81
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 12 years at current job | |||||||||||||||||||||||||||||||||||||
| 795 | XXXXXX | XXXXXX | OR | (No Data) | ATR/QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC101 | Unresolved title issue |
No | Borrower is not on Title Report provided. |
7/24/2026: Received Final Title showing borrower as vested. |
7/24/2026: Exception satsified. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.06%; guidelines allow 85%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 797 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is > 2.5. Clayton to order desk review. |
7/27/2026: Received CDA supporting value. |
7/27/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 681 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.47%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,526,668.27 / 37.37 months PITIA > min required of $33,314.16. | |||||||||||||||||||||||||||||||||||||
| 798 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing documentation supporting the PITI of the primary residence totaling $6,253.57. |
7/14/2026: Receiv9ed docs to show $6,359.07 PITI. |
7/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 745 is 125 points above the 620 required
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 7 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 6 years | |||||||||||||||||||||||||||||||||||||
| 801 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | C | D | A | D | C | A | A | D | C | D | A | D | C | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | PITI(a) docs for XXX is missing. |
7/15/2026: Received Payment Letter $4,474.81 PITI. |
7/15/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $459,432.25 or 93.72 months of P&I
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @3.45% | |||||||||||||||||||||||||||||||||||||
| 801 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | C | D | A | D | C | A | A | D | C | D | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU returned no score. Clayton to order desk review. |
7/29/2026 Received desk review. |
7/29/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $459,432.25 or 93.72 months of P&I
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @3.45% | |||||||||||||||||||||||||||||||||||||
| 801 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | C | D | A | D | C | A | A | D | C | D | A | D | C | A | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 7/29/2026: Exception added after review of trailing docs: Received desk review. Value supported with -28.17% variance. Value not supported. Clayton to order Field review. |
8/10/2026: Received Field Review not supporting value. Lender to order a full appraisal. |
8/10/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $459,432.25 or 93.72 months of P&I
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @3.45% | |||||||||||||||||||||||||||||||||||||
| 803 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 14.59% is below guideline maximum 45%
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 15 years. | |||||||||||||||||||||||||||||||||||||
| 804 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | DU approved loan, CU score 2.9 is outside of the 2.5 maximum score allowed. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 6.5 years living at primary residence.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 117 months of 0x30 consumer credit history per CBR; 24 months required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6.6 years employed with XXX.
CFCFS2854: Significant time in profession - Clayton Comments: 6.6 years employed in the XXX industry.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.66 months of reserves in file. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 805 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency |
No | PIN number noted on appraisal XXX does not match title PIN XXX. |
7/21/2026: Received corrected appraisal. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $71,856.10 or 24.1 months PITIA. Required PITIA reserves per AUS are $17,876.78.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 743 exceeds required FICO of 620.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened November 2011. | |||||||||||||||||||||||||||||||||||||
| 805 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA or CU score is no score. Clayton to order desk review |
7/29/2026 Received desk review. Value supported with - 2.73% variance. Value supported within tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $71,856.10 or 24.1 months PITIA. Required PITIA reserves per AUS are $17,876.78.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 743 exceeds required FICO of 620.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened November 2011. | |||||||||||||||||||||||||||||||||||||
| 805 | XXXXXX | XXXXXX | HI | 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 |
Property | Satisfied | D | A | D | A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter |
No | Property is zoned legal non- conforming (grandfathered). No comment on rebuild ability in appraisal. |
7/21/2026: Received updated appraisal, ok to rebuild. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $71,856.10 or 24.1 months PITIA. Required PITIA reserves per AUS are $17,876.78.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 743 exceeds required FICO of 620.
CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened November 2011. | |||||||||||||||||||||||||||||||||||||
| 809 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower’s fico scores exceeds guideline requirements
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for over 10 years
CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at there current residence for 7 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 817 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened February 2017.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $50,258.59 or 12.273 months PITIA. Required PITIA reserves per AUS = $29,421.60.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 770 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 41.54% is lower than max DTI allowed 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 818 | XXXXXX | XXXXXX | ME | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 10 years and 4 months.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have362 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 819 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing Assets: $63,187.37; required $4,058.64 reserves
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 19 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Rep score is 808; minimum score is 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 825 | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption |
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 |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20+ years in current profession.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 credit score exceeds guidelines. | |||||||||||||||||||||||||||||||||||||
| 828 | XXXXXX | XXXXXX | MD | QM: Rebuttable Presumption (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 $166,586.91 or 76.95 months of PITI.Required PITI reserves are $45,524.98 per AUS/LP.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.65% is below guideline maximum 43%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 829 | XXXXXX | XXXXXX | MO | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $235,927.16 or 63.77 months PITIA for all REO, Required reserves per AUS are $39,417.79
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have104 months mortgage payment history 0x30.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 312 months.
CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in same profession for 25 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 832 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | 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 | Missing Initial Closing Disclosure. Please provide. |
07.22.2026 — ICD received |
07.22.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 12.72%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 70 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 12 years. | |||||||||||||||||||||||||||||||||||||
| 832 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | 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 Closing Disclosure. Please provide. |
07.22.2026 — ICD received |
07.22.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 12.72%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 70 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 12 years. | |||||||||||||||||||||||||||||||||||||
| 832 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | 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 Closing Disclosure. Please provide. |
07.22.2026 — ICD received |
07.22.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 12.72%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 70 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 12 years. | |||||||||||||||||||||||||||||||||||||
| 832 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/24/2026 Received BPO. Value supported with +20.94% variance. Value supported. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 12.72%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 70 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 12 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 832 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | PIW approved loan. Clayton to order BPO. |
7/24/2026 Received BPO. Value supported with +20.94% variance. Value supported. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 12.72%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 70 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 12 years. | |||||||||||||||||||||||||||||||||||||
| 837 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 99 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years 1 months at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 814 is 194 points above the 620 required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 21 years 4 months at current job.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $126,656.34 or 34.23 months of PITIA. Required PITIA Reserves per AUS are $22,202.20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 838 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Credit/ Mtg History |
Satisfied | B | A | B | A | CRDCRMH123 | No evidence of required debt payoff |
No | Missing documentation to support the omission of XXX #XXX and XXX #XXX. |
7/21/2026: Received Final CDs dated 5/20/2026 for refi of two REOs on XXX paying off both liens. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.07%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $544,403.13 / 259.73 months PITIA > min required of $86,561.73. | |||||||||||||||||||||||||||||||||||||
| 838 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing documentation to verify the PITIA for XXX as shown on schedule E of tax return. If disposed of, provide evidence of sale. |
7/21/2026: Received page from Final 1003 showing $379/mo, no lien. 2025 Schedule E shows mortgage interest paid. Provide verification lien is not in B1 name.7/28/2026: Received 5/20/2026 Final CD — B1 is not obligated on the loan. |
7/21/2026: Exception remains.7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.07%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $544,403.13 / 259.73 months PITIA > min required of $86,561.73. | |||||||||||||||||||||||||||||||||||||
| 838 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | 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 AUS, missing VOM for two XXX for XXX. Lakeview Mtg is on page 583 |
7/21/2026: received XXX Final CD for refinance. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.07%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $544,403.13 / 259.73 months PITIA > min required of $86,561.73. | |||||||||||||||||||||||||||||||||||||
| 838 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/17/2026: Received BPO supporting value. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.07%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $544,403.13 / 259.73 months PITIA > min required of $86,561.73. | |||||||||||||||||||||||||||||||||||||
| 838 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/17/2026: Received BPO supporting value. |
7/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.07%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $544,403.13 / 259.73 months PITIA > min required of $86,561.73. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 839 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have148 months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 841 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.87% is below guideline 45% maximum.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $163976.00 exceed required reserves $14,044.11.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 809 is below minimum of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below guideline 85% maximum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 842 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has been in same line of work for 32 years.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No lates on mortgage. 0 x 30 in 69 months.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 19 years and 9 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 845 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4.167yrs tenure with current employer
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 54 consecutive months current mortgage payment history exceeds 24 month guideline credit review
CFCFS2860: Good credit history - Clayton Comments: Overall good credit history with no late pay items. 798 Median Credit Score, Oldest Trade 1/2004 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 846 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 17 years living at primary residence.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 26.49 months of reserves in file.
CFCFS2854: Significant time in profession - Clayton Comments: 35 years working in XXX.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25.7 years employed with the XXX.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 83 months of 0x30 consumer credit history per CBR, 24 months required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 mid-score per CBR. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 850 | 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: 765 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at present job
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $423,006.71 / 149.32 months PITI > min required of $4,580.90.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.44%
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 44%; guidelines allow 80%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 852 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 3.19%.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 8 years.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 18 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job 8 years and 7 months since most recent start date. Total time with employer is 17 years and 6 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 856 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Need documents related to the $583.79 ‘other’ amount listed on the AUS. all other proposed monthly payments accounted for. |
8/5/2026: Received LOX for taxes of $619.44. It is a total of $310.36 taxes & $309.08 taxes. Loan updated. DTI is now 22.79%/ |
8/5/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1753: Comp factors not applicable — missing document and/or compliance exception(s) - Clayton Comments: Set in error; please cancel.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 17 years | |||||||||||||||||||||||||||||||||||||
| 857 | XXXXXX | XXXXXX | AL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 687 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.30% is below guideline maximum 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 861 | XXXXXX | XXXXXX | MN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower’s credit score exceeds guideline requirement
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $164,616.33 in post closing reserves.DU Requires $31,678.62 reserves.
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 5 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 866 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 770 exceeds minimum fico requirement of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets $3,950,717.21 Total reserve requirement = $21,195.63 + XXX $6,172.00 = $27,367.63
CFCFS2860: Good credit history - Clayton Comments: Excellent payment and mortgage history with an excellent fico score | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 867 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.78%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.72% is below guideline maximum 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 871 | 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: Borrower has owned primary residence for 25 years.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job for 18 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 874 | XXXXXX | XXXXXX | AZ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job since 6/4/2018.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 781. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 876 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $4,247,534.95 / 1296.11 months PITIA > min required of $0
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.22% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 881 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | 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 | CREDIT: The below is a credit exception cause missing components for XXX PITI |
7/21/2026: Received all PITI info: $4,634.45 PII, $19,208 taxes = $1,600.67, no HOA = $6,235.12/mo. + $1,269 HELOC.NOTE: Lender provided page from Fraud report. Info is outdated for 2024. Clayton pulled tax info from XXX. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 752 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $380,557.30 or 157.91 months of PITI Required PITI Reserves are $35,668.72 or 14.8 months @ $ 2409.56
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #11 years | |||||||||||||||||||||||||||||||||||||
| 881 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Compliance | Compliance Manual |
Active | D | D | D | D | CMPMAN2956 | Missing disclosure |
Yes | Per COC in file missing Initial LE XXX. Only LE provided is issued XXX. |
07.29.2026 - Same COC provided stating Initial LE was issued XXX. Please provide LE XXX.08.10.2026 -The new docs provided do not clear the exceptions. Same COC provided stating Initial LE was issued 4.23.2026 and we are still missing it. The only LE they are sending is the one dated XXX. |
07.29.2026 - Exception remains08.10.2026 -Exception remains |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 752 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $380,557.30 or 157.91 months of PITI Required PITI Reserves are $35,668.72 or 14.8 months @ $ 2409.56
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #11 years | |||||||||||||||||||||||||||||||||||||
| 881 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3618 | TRID — Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing |
Yes | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 05/22/2026. |
07.29.2026 — Disclosure tracking provided however only reflects when was sent to borrower. Require evidence when borrower viewed or received ICD. |
07.29.2026 - Exception remains |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 752 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $380,557.30 or 157.91 months of PITI Required PITI Reserves are $35,668.72 or 14.8 months @ $ 2409.56
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #11 years | |||||||||||||||||||||||||||||||||||||
| 881 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
Yes | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 05/22/2026. |
07.29.2026 — Disclosure tracking provided however only reflects when was sent to borrower. Require evidence when borrower viewed or received ICD. 08.10.2026 — Still need acknowledgement of receipt of Initial CD. They are sending the disclosure tracking that shows when it was created but we need evidence of when the borrower viewed/ received it. |
07.29.2026 - Exception remains08.10.2026 -Exception remains |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 752 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $380,557.30 or 157.91 months of PITI Required PITI Reserves are $35,668.72 or 14.8 months @ $ 2409.56
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #11 years | |||||||||||||||||||||||||||||||||||||
| 881 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | CREDIT: The below is a credit exception cause missing components for XXX PITI |
7/21/2026: Received all PITI info: $4,634.45 PII, $19,208 taxes = $1,600.67, no HOA = $6,235.12/mo. + $1,269 HELOC.NOTE: Lender provided page from Fraud report. Info is outdated for 2024. Clayton pulled tax info from XXX. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median credit scores 752 exceeds minimum of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $380,557.30 or 157.91 months of PITI Required PITI Reserves are $35,668.72 or 14.8 months @ $ 2409.56
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer > #11 years | |||||||||||||||||||||||||||||||||||||
| 884 | XXXXXX | XXXXXX | CA | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 778 is 158 points above program guideline minimum of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.00% LTV below guideline requirements of 85.00% per program.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 3 months
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 7 months |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 889 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination |
No | Loan closed XXX. Per NMLS website LO XXX license expired 5/2025. Provided evidence LO license was current at time of loan closing. |
7/27/2026: Screenshot received shows XXX NMLS license is good through 2025. Verification is required to show NMLS ID was active and current through loan closing 5/28/2026.8/10/2026: Received NMLS FAQ screenshot indicating that as long as regulator sets to authorized to conduct business is yes, the LO is active. |
7/27/2026: Exception remains.8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 773 is 153 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $109,276.85 or 31.60 PITI | |||||||||||||||||||||||||||||||||||||
| 892 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is approved PIW. Clayton to order BPO. |
7/24/2026 Received desk review. Value supported with +1.62% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 9 years at current job.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years at current job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 778 is 158 points above the 620 required.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 7 years at current residence.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 30 months. | |||||||||||||||||||||||||||||||||||||
| 892 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/24/2026 Received desk review. Value supported with +1.62% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 9 years at current job.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years at current job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 778 is 158 points above the 620 required.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage history reflects 0 x 30 for the past 30 months. | |||||||||||||||||||||||||||||||||||||
| 896 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 815 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have779 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 897 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $144,292.47 or 63.43 months of PITI
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 165 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 898 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC3076 | Legal document was not executed or is incomplete |
No | The purchase agreement has two additional sellers listed, XXX and XXX, however, the only seller that signed and executed the contract is XXX? Why are other sellers listed if not executing contract? XXX is the vested owner on title. Lender to explain. |
8/12/2026: Received Contract addendum removing all except XXX, as sole seller. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.353%; guidelines allow 75%.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 808. Minimum score per program is 680.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.69% | |||||||||||||||||||||||||||||||||||||
| 898 | XXXXXX | XXXXXX | OR | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Provide the current tax bill for XXX and HOI dec page for XXX. |
7/14/2026: Received tax bill for XXX. 7/21/2026: Received tax bill & mtg stmnt for XXX for XXX. |
7/14/2026: Exception remains for HOI for XXX REO.7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.353%; guidelines allow 75%.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 808. Minimum score per program is 680.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.69% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 898 | XXXXXX | XXXXXX | OR | (No Data) | ATR/ QM: Exempt |
D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property |
No | Provide the HUD-1 for the sale of XXX |
7/10/2026: Received Seller CD for sale of REO. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.353%; guidelines allow 75%.
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 808. Minimum score per program is 680.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.69% | |||||||||||||||||||||||||||||||||||||
| 900 | XXXXXX | XXXXXX | GA | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $127,605.08, 68.43 months; $12,493.96 months required.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.79% is below the guideline maximum of 50%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 901 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (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: Borrower has 0x30 for 217 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $44,210.60 or 15.68 months of PITI.Required PITI reserves are $21,766.20 per AUS/LP. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 906 | XXXXXX | XXXXXX | NC | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Current policy dwelling coverage $455,000.00 @125% = $568,750.00. Required coverage = $579,200.00. Coverage is insufficient by $10,450. |
7/28/2026: Received LOx from HOI — no longer required to provide RCE. Coverage is based on Replacement Cost. |
7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing asset$575,094.39 / 98.14 months PITIA > min required of $1604.92. | |||||||||||||||||||||||||||||||||||||
| 908 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | UCDP provided reflects no value. Clayton to order desk review |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 26 years at primary residence.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.14% | |||||||||||||||||||||||||||||||||||||
| 909 | XXXXXX | XXXXXX | OK | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $105,267.75 or 39.71 PITIA. Required PITIA reserves are $2,650.88 x 6 = $15,905.28
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.79%
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have66 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 911 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $68,673.94 post closing reserves or 20.14 months PITI.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 735 median FICO. Min required 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 911 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisified. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $68,673.94 post closing reserves or 20.14 months PITI.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 735 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 911 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $68,673.94 post closing reserves or 20.14 months PITI.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 735 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 913 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.50%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 797 mid score > min required of 620.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 483 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 914 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/30/2026: Received BPO supporting value. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession 10 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 914 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/30/2026: Received BPO supporting value. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession 10 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 916 | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 7years at primary residence
CFCFS2854: Significant time in profession - Clayton Comments: 10+ years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 785 exceeds guidelines | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 917 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 22.67 months PITI is 16.67 months greater than the 6 months reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 746 is 126 points above the 620 required
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.24% is 11.76% below the 80% LTV allowed. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 917 | XXXXXX | XXXXXX | OH | (No Data) |
ATR/ QM: Exempt |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 22.67 months PITI is 16.67 months greater than the 6 months reserves required.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 746 is 126 points above the 620 required
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.24% is 11.76% below the 80% LTV allowed. | |||||||||||||||||||||||||||||||||||||
| 918 | 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 | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 924 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing from File. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,846.25 or 11.03 months of PITIReserves are not required per AUS/LP
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 146 months. | |||||||||||||||||||||||||||||||||||||
| 924 | XXXXXX | XXXXXX | TX | 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 (or CU) score is >2.5. Clayton to order desk review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,846.25 or 11.03 months of PITIReserves are not required per AUS/LP
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 146 months. | |||||||||||||||||||||||||||||||||||||
| 925 | XXXXXX | XXXXXX | AK | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation: LCA has no value. Clayton to order desk review |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 9+ years at primary residence.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.01%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 930 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | A | C | A | PRVAAPPR171 | Subject Photos Unacceptable |
No | The subject appraisal photos are missing from the loan file. |
7/10/2026: Received updated appraisal with all photos as required. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.78%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 930 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable |
No | The comp appraisal photos are missing from the loan file. |
7/10/2026: Received updated appraisal with all photos as required. |
7/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.78%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 935 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 741 is 121 points above the 620 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.74% is 18.26% below the 85% LTV allowed.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.19% is 12.81% below the 45% allowed.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $49,256.40 is $36,967.98 greater than the $12,288.42 reserves required. | |||||||||||||||||||||||||||||||||||||
| 936 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score > 2.5. Clayton to order desk review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $56,052.29 exceed required reserves $13,961.70.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of consumer credit. Credit line usage is 23.34%. | |||||||||||||||||||||||||||||||||||||
| 938 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/21/2026: Received BPO. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $17,854.54 exceed $0 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 90% maximum.
CFCFS2854: Significant time in profession - Clayton Comments: 42 + years at current profession
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.19% is below 45% maximum allowed. | |||||||||||||||||||||||||||||||||||||
| 938 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/21/2026: Received BPO. |
7/21/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $17,854.54 exceed $0 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 90% maximum.
CFCFS2854: Significant time in profession - Clayton Comments: 42 + years at current profession
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.19% is below 45% maximum allowed. | |||||||||||||||||||||||||||||||||||||
| 938 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/21/2026: Exception added after review of trailing docs: 7/21/2026: Received BPO not supporting value. Clayton to order 2055 Report Exterior-only. |
7/28/2026: Received 2055 Report supporting value. |
7/28/2026: Exception satisfied. |
Not Applicable |
(No Data) | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $17,854.54 exceed $0 required.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 90% maximum.
CFCFS2854: Significant time in profession - Clayton Comments: 42 + years at current profession
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.19% is below 45% maximum allowed. | |||||||||||||||||||||||||||||||||||||
| 939 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3676 | TRID — CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Need evidence of change of circumstances letter for Ten Percent tolerance, (Title — Closing Fee (2) 500.00 **Title — Lenders Title Insurance - 45.08 Recording Fees and Other Taxes - 55.70 increase, or a copy of a refund check in the amount of $ 399.22. There is a change of circumstance in file dated 05/19/2026 but no indication as to what fees increased |
07.27.2026 — COC provided |
07.27.2026 -Exception satisfied |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.65%
CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 35 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 940 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $38,320.51 or 22.43 months PITI reserves, DU required $10,252.88 in reserves to be verified.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.10% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 943 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 21.7 years at primary residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 33+ years at present job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 99 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 948 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score due to property type. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close asset $143,377.18 or 43.71 PITI
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 800 is 180 points above program minimum requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 953 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $88,753.04 or 17.66 months of PITI. Required PITI reserves are $5024.60 x 6 = $30,147.60
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 11.12% is below guideline maximum 45%.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 18 years. | |||||||||||||||||||||||||||||||||||||
| 953 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Property | Satisfied | D | A | D | A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter |
No | The appraisal indicates the subject property is Legal Nonconforming (Grandfathered Use). Please provide a written statement or addendum from the appraiser, or other acceptable documentation (e.g., zoning authority letter), confirming that the existing improvements may be rebuilt in the event of a partial or total loss in their current configuration. This documentation is required to verify the property’s rebuild rights for underwriting purposes. |
7/31/2026: Received updated appraisal, ok to rebuild. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $88,753.04 or 17.66 months of PITI. Required PITI reserves are $5024.60 x 6 = $30,147.60
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 11.12% is below guideline maximum 45%.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 18 years. | |||||||||||||||||||||||||||||||||||||
| 967 | XXXXXX | XXXXXX | CT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 798 FICO score. Minimum required 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 75% is 10 points below the program guideline maximum 85%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 968 | 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 >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 day lates 26 months rated.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.19%. Max 50% | |||||||||||||||||||||||||||||||||||||
| 969 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 765 exceeds the guideline program minimum of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.32% DTI below guideline requirement of 45%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a positive overall credit history. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 969 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 765 exceeds the guideline program minimum of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.32% DTI below guideline requirement of 45%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained a positive overall credit history. | |||||||||||||||||||||||||||||||||||||
| 971 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/27/2026: Received BPO supporting value. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years in the same profession
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the primary residence 12.25 years
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x30 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 971 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/27/2026: Received BPO supporting value. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years in the same profession
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the primary residence 12.25 years
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x30 mortgage payment history | |||||||||||||||||||||||||||||||||||||
| 972 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA or score is > 2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 4 points below guideline maximum.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years & 3 months at current job
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 159 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 974 | 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: Maximum LTV 90% current LTV 80%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $57,075.33 or 31 months of PITI Required PITI Reserves are $1,129.00 x 2= $ $4,328.23
CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 978 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID — CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Need evidence of change of circumstances letter for $129 Ten Percent tolerance (Title- Settlement Fee; Title- Notary Fee; Title Endorsement Fee; Tax Cert Fee; Title- Courier Fee; and Title- Document Preparation Fee) increase, or LOX, corrected Closing Disclosure, a copy of a refund check in the amount of $ 129.00, and proof of delivery within 60 days of consummation. |
07.27.2026 -Cure provided with refund docs. |
07.27.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $28,380.57 or 11.9 months of PITI.Required PITI reserves are $2,385.68*2 = $4,963.36
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.8% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| 978 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $28,380.57 or 11.9 months of PITI.Required PITI reserves are $2,385.68*2 = $4,963.36
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.8% is below guideline maximum 43%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 978 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/21/2026: Received BPO supporting value. |
7/21/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $28,380.57 or 11.9 months of PITI.Required PITI reserves are $2,385.68*2 = $4,963.36
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.8% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| 980 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3618 | TRID — Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing |
Yes | Please provide confirmation of receipt for initial CD XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower’s representative credit score of 732 significantly exceeds the minimum guideline requirement of 640, demonstrating strong creditworthiness and a well-established history of responsible credit management.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $17,974.72 or 4.41 months of PITI.Reserves are not required per AUS/LP. | |||||||||||||||||||||||||||||||||||||
| 980 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
Yes | Please provide confirmation of receipt for initial CD XXX. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower’s representative credit score of 732 significantly exceeds the minimum guideline requirement of 640, demonstrating strong creditworthiness and a well-established history of responsible credit management.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $17,974.72 or 4.41 months of PITI.Reserves are not required per AUS/LP. | |||||||||||||||||||||||||||||||||||||
| 981 | XXXXXX | XXXXXX | FL | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/ CLTV |
Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% |
No | Verified loan was delayed financing which required consideration of prior sale price listed on XXX CD; within tolerance. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 17 years and 6 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 986 | XXXXXX | XXXXXX | WI | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing third party valuation to support value, Clayton to order Desk Review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 33 years on current job.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 14% revolving utilization rate. | |||||||||||||||||||||||||||||||||||||
| 988 | 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 Close Assets are $25,190.41 or 13.14 months of PITI.
CFCFS2860: Good credit history - Clayton Comments: Borrowers have209 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 990 | 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: Borrower has been at current job 7 years and 6 months.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates. 0 x 30 in the past 2 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 13 years and 4 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 994 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Active | C | B | C | B | PRVAAPPR171 | Subject Photos Unacceptable |
No | Appraisal photo on page 10 of 29 does not show bathtub/ shower for full bathroom. |
7/21/2026: No change. Property is a small XXXsqft 3bd 1ba per the appraisal. There is a picture of bathroom in main living area. This is a small bathroom and the door obstructs the view to the shower/ bath area. Appraiser notates there is a 1 full bath and a bonus 1/2bath in the basement. Upon further review Clayton deems non- material. |
7/21/2026: Exception remains |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 769 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 42.57% is lower than max DTI allowed 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened March 2003.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per business search, borrower has been a XXX since June 2014. | |||||||||||||||||||||||||||||||||||||
| 994 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is no score. Clayton to order desk review |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 769 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 42.57% is lower than max DTI allowed 45%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened March 2003.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per business search, borrower has been a XXX since June 2014. | |||||||||||||||||||||||||||||||||||||
| 1000 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 38 years.
CFCFS1736: Significant time at current residence - Clayton Comments: 37 years at primary residence
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.19%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1001 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/ Guidelines |
Active | C | B | C | B | CRDTER3262 | Property issues indicated |
No | There was a structural inspection report in file that stated there were repairs needed on the property, however, credit uw did not see any documentation verifying the repairs were completed. Provide proof the repairs were completed. |
8/7/2026: Lender submitted rebuttal asking where FHLMC would require a structural engineer when appraisal is as-is. There is a Structural Inspection report dated 1/17/2025 indicating minor structural elements to be addressed. Inspector indicated no immediate health/ safety issues. All are minor defects. Clayton feels this is non- material, but exception remains. |
8/7/2026: Exception remains, non- material. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 758. Minimum score per program is 620.
CFCFS1736: Significant time at current residence - Clayton Comments: 20+ years at primary residence
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have86 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 1002 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is approved PIW. Clayton to order BPO. |
7/28/2026: Received BPO supporting value. |
7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 793 is 173 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close asset $350,921.85 or PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 90%. | |||||||||||||||||||||||||||||||||||||
| 1002 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/28/2026: Received BPO supporting value. |
7/28/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 793 is 173 points above program minimum requirement of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close asset $350,921.85 or PITI
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guideline allows 90%. | |||||||||||||||||||||||||||||||||||||
| 1004 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: CU score is >2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 18 points below guideline maximum.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 180 points above guideline minimum of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1008 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
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: 6 + years at present job.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $40,200.13 or 10.29 months of PITI. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1011 | XXXXXX | XXXXXX | UT | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 24- years at primary residence
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 395 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1013 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.07%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1021 | XXXXXX | XXXXXX | NJ | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has maintained current job for 176 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $473,109.36/179.74 PITIA which is > guideline minimum.
CFCFS5269: Minimal use of credit - Clayton Comments: Credit line usage ratio of 0.89%.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 521 months.
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 184 points above minimum program requirement of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1024 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is > 2.5. Clayton to order desk review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 194 points above guideline minimum of 620
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years at current primary residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years at current job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x88 | |||||||||||||||||||||||||||||||||||||
| 1026 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28.51% is below guideline maximum 43%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $33,233.01 or 16.28 months of PITI. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1028 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing. | 7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 28% is below guideline maximum 45%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @11.64% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1031 | XXXXXX | XXXXXX | MD | (No Data) | ATR/QM: Exempt |
D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Credit | Income/ Employment |
Active | D | D | D | D | CRDINC3204 | Income Documentation Missing |
Yes | Missing 2024 W-2 for XXX $100,962. |
7/27/2026: Lender rebuttal stating W2 info on 1125-E of business returns matches what is claimed. Clayton disagrees. The 2024 1040s show $115,775 in W2 income claimed. 1125-E shows $100,962.8/12/2026: Lender provided updated Income calcs and used $84,937.29 for wages — and there is nothing to justify where this came from. The K1 shows $100,962 W2, 1040s show $115,755. Provide 2024 W2 or 2024 W2 transcript. |
7/27/2026: Exception remains.8/12/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 34.98% is below guideline maximum 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have64 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $46,896.81 or 30.67 months of PITI; Required reserves are $20,681.94
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. | |||||||||||||||||||||||||||||||||||||
| 1033 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) |
QM: Rebuttable Presumption (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 | RESPA: Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers are XXX in business for 40 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.65%
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at Primary residence. | |||||||||||||||||||||||||||||||||||||
| 1035 | XXXXXX | XXXXXX | AL | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Post Close Assets are $1,102,299.94 or 588.29 months PITI. Required PITI reserves are $11,242.51 per AUS.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 5 years.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 20.66% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1036 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 28%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $175,157.81 / 53.34 months PITIA > min required of $24,430.73.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1040 | XXXXXX | XXXXXX | WV | (No Data) | ATR/QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.62% DTI is below guideline requirement of 49.99%.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 24 years and 10 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 759 is 139 points above program guideline minimum of 620.
CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1042 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years on the job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 697, minimal score is 620. | |||||||||||||||||||||||||||||||||||||
| 1042 | XXXXXX | XXXXXX | ID | 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 (or CU) score is >2.5. Clayton to order desk review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years on the job.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 697, minimal score is 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1047 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $341,919.67 or 67.58 months of PITI.Required PITI reserves are $40,028.28 per AUS/LP.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 129 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1048 | XXXXXX | XXXXXX | RI | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU returned no score. Clayton to order Desk Review. |
7/24/2026: Received CDA supporting value. |
7/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.47% is below guideline maximum 43%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $285,957.16 or 71.79 months of PITI.Required reserves are $34,083.10 per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| 1050 | XXXXXX | XXXXXX | AL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $534,425.61 or 235.36 months of P&I > min required of $0.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 . | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1052 | XXXXXX | XXXXXX | GA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.74% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1055 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing from file. Please provide. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 75%; guidelines allow 90%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.85% is below guideline maximum 43%. | |||||||||||||||||||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | XXX (457) #XXX, is dated 04/01/26 — 04/15/26, per AUS 1 month is required. |
7/27/2026: Received 4/2026 stmnt. Allowed to use 50% max for reserves per T/C. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 681 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,850.08. Required PITI Reserves are $18,620.57
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for243 months. | |||||||||||||||||||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review supporting appraised value. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 681 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,850.08. Required PITI Reserves are $18,620.57
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for243 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1078 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing additional tax cert for “XXX acres XXX” property. Per documentation, mortgage covers XXX acres. Loan file provides tax cert for XXX acres only. Missing XXX acres to complete the XXX acre parcel. Updated liabilities to be resubmitted to AUS and retain Approve/ Eligible findings. |
7/30/2026: Received tax info, updated 1008 and DU with A/E DTI 48.29%. Clayton updated the loan and DTI is 48.16%, within tolerance. |
7/30/2026: Exception satsified. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $62,512.12 / 29.43 months PITIA > min required of $37,755.71.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 15+ years at primary residence. | |||||||||||||||||||||||||||||||||||||
| 1078 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 2.6. Clayton to order Desk Review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $62,512.12 / 29.43 months PITIA > min required of $37,755.71.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 15+ years at primary residence. | |||||||||||||||||||||||||||||||||||||
| 1080 | XXXXXX | XXXXXX | MD | 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 | Client requires ABA over FACTS. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $30,688.11 or 6.73 months of PITI. Required Reserves are $4,562.68 *6 = $27,376.08.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job since 11/01/2017.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 747. | |||||||||||||||||||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) |
No | Addendum adding XXX as buyer and changing purchase price to $XXX not signed by seller. Per addendum provided, change of price from $XXX to $XXX, but purchase contract clause 3 shows $XXX. |
7/20/2026: Addendum signed by all parties received. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.97% is lower than max DTI allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 763 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $601,342 or 223.12 months PITIA. Required PITIA reserves per AUS are $48,202.17.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per XXX website, Borrower has been XXX with current company since 10/29/2013. | |||||||||||||||||||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Owners title policy on title commitment is $260,000. Final purchase price is $XXX. |
7/20/2026: Received Final Title showing proper coverage for loan amount as needed. |
7/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.97% is lower than max DTI allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 763 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $601,342 or 223.12 months PITIA. Required PITIA reserves per AUS are $48,202.17.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per XXX website, Borrower has been XXX with current company since 10/29/2013. | |||||||||||||||||||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is no score. Clayton to order desk review. |
7/29/2026 Received desk review. Value supported with 0% tolerance. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 31.97% is lower than max DTI allowed 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 763 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $601,342 or 223.12 months PITIA. Required PITIA reserves per AUS are $48,202.17.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per XXX website, Borrower has been XXX with current company since 10/29/2013. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1085 | XXXXXX | XXXXXX | MI | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 83.14 months PITI is 77.14 months greater than the 6 months reserves required.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 19 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 19 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1100 | XXXXXX | XXXXXX | OR | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have229 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1103 | XXXXXX | XXXXXX | FL | (No Data) | ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete |
No | The property address for the insured property is incorrect on the hazard policy. Covered address is XXX. |
8/11/2026: Received HOI with the correct subject address. |
8/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.195%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $476,891.84 / 141.47 months PITIA > min required of $24,863.58. | |||||||||||||||||||||||||||||||||||||
| 1105 | XXXXXX | XXXXXX | IL | (No Data) | ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No CU score due to property type. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 742, Guidelines require 640.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $136,510.95 or 22.39 months of PITI. | |||||||||||||||||||||||||||||||||||||
| 1107 | XXXXXX | XXXXXX | ID | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA > 2.5. Clayton to order Desk Review. |
7/24/2026 Received desk review. Value supported with 0% tolerance. |
7/24/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.39%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $305,408.54 / 111.74 months PITIA > min required of $16,398.66. | |||||||||||||||||||||||||||||||||||||
| 1109 | XXXXXX | XXXXXX | LA | 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: 80% is 10 points below the program guideline maximum 90%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 803 FICO score. Minimum required 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1110 | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | LCA/ CU returned no score. Clayton to order Desk Review. |
7/24/2026: CDA received reviewed incorrect appraisal for another REO. CDA to be corrected and reviewed for subject. |
7/24/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 72 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.85% |
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV8_J17175 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 384 | |
| Loans with Conditions: | 228 | |
| 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 | ||||||||||||||||||||
| 3 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No | ||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 12 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 18 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 22 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 26 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 35 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 39 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 40 | XXXXXX | XXXXXX | XXXXXX | D | D | D | C | D | B | D | D | D | D | D | C | D | A | D | D | Not Applicable | ||||||||||||||||||||
| 42 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 43 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 45 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 52 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 56 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 61 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 63 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | ||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 78 | 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 | ||||||||||||||||||||
| 85 | 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 | ||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 96 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 99 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | A | A | A | C | 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 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 110 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 112 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | 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 | ||||||||||||||||||||
| 115 | 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 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 123 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 126 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 129 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 139 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 142 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 145 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 151 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 154 | 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 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 160 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 162 | 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 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 170 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 175 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | No | ||||||||||||||||||||
| 179 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 181 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 187 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | 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 | No | ||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application Date |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 205 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 212 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 226 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Not Applicable | ||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 238 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 241 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 249 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 257 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 265 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 269 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 273 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 280 | XXXXXX | XXXXXX | XXXXXX | D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 281 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 285 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 286 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 288 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 289 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 290 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 293 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Not Applicable | ||||||||||||||||||||
| 294 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 302 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 304 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 305 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application 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 | ||||||||||||||||||||
| 307 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 316 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 317 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 319 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 323 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 331 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 332 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 335 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 341 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 351 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 353 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 358 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 359 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 362 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 367 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 369 | XXXXXX | XXXXXX | XXXXXX | D | C | D | C | D | A | A | A | D | C | D | C | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 370 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 372 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 379 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | No | ||||||||||||||||||||
| 383 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 384 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | C | A | C | A | A | A | C | A | C | A | Not Applicable | ||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 393 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 397 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 399 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 403 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 404 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 406 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 407 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 410 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 427 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 436 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 437 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 438 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 443 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No | ||||||||||||||||||||
| 447 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 448 | 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 | ||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 458 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 461 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 465 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 476 | XXXXXX | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 478 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 479 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 481 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 484 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 485 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 490 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 493 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 495 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 505 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 506 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 507 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 508 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 511 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 512 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 514 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 517 | XXXXXX | XXXXXX | XXXXXX | D | C | D | A | A | A | D | C | D | C | D | A | A | A | D | C | Not Applicable | ||||||||||||||||||||
| 518 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 520 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 525 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 541 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 553 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 554 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 557 | XXXXXX | XXXXXX | XXXXXX | 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 Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan 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 | ||||||||||||||||||||
| 561 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 564 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 567 | XXXXXX | XXXXXX | XXXXXX | D | C | D | C | D | A | C | C | D | C | D | C | D | A | C | C | Not Applicable | ||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 571 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 573 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 574 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 577 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 579 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 580 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 584 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 593 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 594 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 596 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 597 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 598 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 601 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 604 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 605 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 609 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 612 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 619 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 620 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 621 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 623 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 624 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 625 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 635 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | No | ||||||||||||||||||||
| 638 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 642 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 645 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 647 | 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 | ||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 658 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 662 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 665 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 668 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 672 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 673 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 675 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 680 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 681 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 682 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 684 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 685 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 686 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 689 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Not Applicable | ||||||||||||||||||||
| 697 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 698 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 699 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No | ||||||||||||||||||||
| 710 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 712 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 715 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 717 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 720 | XXXXXX | XXXXXX | XXXXXX | D | C | C | C | D | A | A | A | D | C | C | C | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 723 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 725 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 742 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 748 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 751 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 752 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 754 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 755 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 757 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 758 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 760 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 763 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 765 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 777 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 780 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | 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 | ||||||||||||||||||||
| 792 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 793 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No | ||||||||||||||||||||
| 795 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 797 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 798 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 801 | XXXXXX | XXXXXX | XXXXXX | D | C | D | A | D | C | A | A | D | C | D | A | D | C | A | A | No | ||||||||||||||||||||
| 803 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 804 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 805 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 809 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 817 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 818 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 819 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 825 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 828 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 829 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 832 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | No | ||||||||||||||||||||
| 837 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 838 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 839 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 841 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 842 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 845 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 846 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 850 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 852 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 856 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 857 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 861 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | ||||||||||||||||||||
| 866 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 867 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 871 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 874 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 876 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 881 | XXXXXX | XXXXXX | XXXXXX | D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Not Applicable | ||||||||||||||||||||
| 884 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 889 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 892 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 896 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 897 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 898 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 900 | 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 | ||||||||||||||||||||
| 901 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes | ||||||||||||||||||||
| 906 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 908 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 909 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 911 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 913 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 914 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 916 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 917 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 918 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 924 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 925 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 930 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 935 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 936 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 938 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 939 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 940 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 943 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 948 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 953 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 967 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 968 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 969 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 971 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 972 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 974 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 978 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 980 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | Not Applicable | ||||||||||||||||||||
| 981 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 986 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 988 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 990 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 994 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 1000 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1001 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1002 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1004 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1008 | 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 | ||||||||||||||||||||
| 1011 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1013 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1021 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1024 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1026 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1028 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1031 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | A | A | D | D | D | D | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1033 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 1035 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1036 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1040 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1042 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 1047 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1048 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1050 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1052 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1055 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 1078 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1080 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 1082 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1085 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1100 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1103 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1105 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1107 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1109 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1110 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Not Applicable |