EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: |
PennyMac | |
| Client Project Name: |
PNMAC PMTLT 2026-CNF8_J17256 | |
| Conditions Report 2.0 |
||
| Loans in Report: |
266 | |
| Loans with Conditions: |
212 | |
| 64 - Total Active Conditions | ||||||
| 26 - Material Conditions | ||||||
| 4 - Credit Review Scope | ||||||
| 1 - Category: Assets | ||||||
| 2 - Category: Credit/Mtg History | ||||||
| 1 - Category: DTI | ||||||
| 6 - Property Valuations Review Scope | ||||||
| 2 - Category: Appraisal | ||||||
| 4 - Category: Value | ||||||
| 16 - Compliance Review Scope | ||||||
| 4 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: APR Tolerance | ||||||
| 3 - Category: Finance Charge Tolerance | ||||||
| 8 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 38 - Non-Material Conditions | ||||||
| 3 - Credit Review Scope | ||||||
| 2 - Category: Credit/Mtg History | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 35 - Compliance Review Scope | ||||||
| 2 - Category: Borrower’s Interest | ||||||
| 1 - Category: Repayment Ability | ||||||
| 28 - Category: RESPA | ||||||
| 2 - Category: Right of Rescission | ||||||
| 1 - Category: State Consumer Protection | ||||||
| 1 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 397 - Total Satisfied Conditions | ||||||
| 71 - Credit Review Scope | ||||||
| 19 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Application | ||||||
| 13 - Category: Assets | ||||||
| 5 - Category: Credit/Mtg History | ||||||
| 6 - Category: DTI | ||||||
| 7 - Category: Income/Employment | ||||||
| 5 - Category: Insurance | ||||||
| 7 - Category: Legal Documents | ||||||
| 5 - Category: Terms/Guidelines | ||||||
| 3 - Category: Title | ||||||
| 238 - Property Valuations Review Scope | ||||||
| 232 - Category: Appraisal | ||||||
| 3 - Category: FEMA | ||||||
| 3 - Category: Value | ||||||
| 88 - Compliance Review Scope | ||||||
| 24 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Compliance Manual | ||||||
| 2 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 4 - Category: Finance Charge Tolerance | ||||||
| 1 - Category: RESPA | ||||||
| 2 - Category: Right of Rescission | ||||||
| 1 - Category: Section 32 | ||||||
| 4 - Category: State Consumer Protection | ||||||
| 1 - Category: State High Cost | ||||||
| 3 - Category: Texas Home Equity | ||||||
| 43 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 2 - Total Waived Conditions | ||||||
| 2 - Property Valuations Review Scope | ||||||
| 2 - Category: FEMA | ||||||
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF8_J17256 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 266 | |
| Loans with Conditions: | 212 | |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | NC | 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 | PRVAAPPR275 | Completed “Subject To” w/o Completion Cert in File |
No | Lender to provide the final FNMA 1004D showing home is completed |
7/29/2026: Received 1004D — 100% complete. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .33% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 22.17% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 80%. | |||||||||||||||||||||||||||||||||||||
| 6 | XXXXXX | XXXXXX | KS | 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 eligible for collateral representation and warranty relief with ACE through XXX . |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves are required. Post closing reserves $134,871.58 / 78.78 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 797 FICO score. Minimum required 620. | |||||||||||||||||||||||||||||||||||||
| 6 | XXXXXX | XXXXXX | KS | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves are required. Post closing reserves $134,871.58 / 78.78 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 797 FICO score. Minimum required 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $1,406,632.65..equals 249.94 months PITIA. No reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 796, Minimum requirement 620. CFCFS1750: High potential for increased earnings - Clayton Comments: Given borrower’s status as a XXX at XXX , it allows for increased earnings. | |||||||||||||||||||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $1,406,632.65..equals 249.94 months PITIA. No reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 796, Minimum requirement 620. CFCFS1750: High potential for increased earnings - Clayton Comments: Given borrower’s status as a XXX at XXX , it allows for increased earnings. | |||||||||||||||||||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | 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 $317.69 is due to an increase in discount points as of the XXX post closing CD for which no COC was located. Missing a valid Change Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
08.18.2026 — Cure provided via refund. |
08.18.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 42 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 42 months. | |||||||||||||||||||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 42 months. | |||||||||||||||||||||||||||||||||||||
| 11 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit- Minimal usage of available revolving credit lines @ 12.33% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines — 805 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI < max permitted of 50% | |||||||||||||||||||||||||||||||||||||
| 17 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0 lates. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $121,296.54 reserves. $0 reserves required. | |||||||||||||||||||||||||||||||||||||
| 17 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: 0 lates. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $121,296.54 reserves. $0 reserves required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 18 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.05% DTI with a max 45% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score exceeds the 620 minimum required. CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR. | |||||||||||||||||||||||||||||||||||||
| 18 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.05% DTI with a max 45% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score exceeds the 620 minimum required. CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR. | |||||||||||||||||||||||||||||||||||||
| 21 | XXXXXX | XXXXXX | KS | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have229 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: 773 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 21 | XXXXXX | XXXXXX | KS | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have229 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: 773 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.38% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.20%; guidelines allow 95%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.33% is below guideline maximum 45%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.38% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.20%; guidelines allow 95%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 24.33% is below guideline maximum 45%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.11% LTV with a max 80% allowed. CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.94% DTI with a max 45% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 score exceeds the 620 minimum required. | |||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | AZ | 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 | 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 declared QM Safe Harbor (APOR) from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $15,559.75 max allowed is $11,572.51; $3,987.24 too high) |
7/30/2026: Received verification of a bonafide fee. Loan is now SH. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.11% DTI with a max 45% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $154,865.29 — $97,405.40 CTC = $57,459.89 reserves.No reserves required per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 score exceeds the 620 minimum required. | |||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | AZ | 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 | 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 declared QM Safe Harbor (APOR) from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $15,559.75 max allowed is $11,572.51; $3,987.24 too high) |
7/30/2026: Received verification of a bonafide fee. Loan is now SH. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.11% DTI with a max 45% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $154,865.29 — $97,405.40 CTC = $57,459.89 reserves.No reserves required per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 score exceeds the 620 minimum required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | AZ | 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 | CMPTRID5107 | TRID — Seller CD not in file; need in order to complete fee entry |
No | Missing seller CD from file. |
7.24.2026 lender supplied Seller CD |
7.27.2026 EXCEPTION SATISFIED |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.11% DTI with a max 45% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $154,865.29 — $97,405.40 CTC = $57,459.89 reserves.No reserves required per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 score exceeds the 620 minimum required. | |||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | AZ | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.11% DTI with a max 45% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $154,865.29 — $97,405.40 CTC = $57,459.89 reserves.No reserves required per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 score exceeds the 620 minimum required. | |||||||||||||||||||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | AZ | 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 | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.11% DTI with a max 45% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $154,865.29 — $97,405.40 CTC = $57,459.89 reserves.No reserves required per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 score exceeds the 620 minimum required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 36 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 16.58 back end ratio. Max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $110,572.68 post closing reserves. $0 required. | |||||||||||||||||||||||||||||||||||||
| 38 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score is > minimum required score of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Borrower(s) have minimal usage of available revolving credit of 3.33% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.85% is < maximum allowed of 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $97,353.72 (23.95 months PITIA reserves) > min required reserves of $0 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 38 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score is > minimum required score of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Borrower(s) have minimal usage of available revolving credit of 3.33% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.85% is < maximum allowed of 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $97,353.72 (23.95 months PITIA reserves) > min required reserves of $0 | |||||||||||||||||||||||||||||||||||||
| 633 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Per Tape, AUS used was LP. The file has LP #8 LP Key #XXX run 5/4/2026. File also has DU #16 Casefile #XXX run 5/27/2026. Since there is no 1008 in the file, verify which AUS was used. Additional conditions may apply. |
7/29/2026: Received 1008, DU is the AUS used. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.43% CLTV < max permitted of 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 633 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.43% CLTV < max permitted of 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 633 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.43% CLTV < max permitted of 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 42 | 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 | LCA returned no score due to property type. Clayton to order Desk Review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: 85% CLTV < max permitted of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: 31% DTI < max permitted of 50% | |||||||||||||||||||||||||||||||||||||
| 45 | XXXXXX | XXXXXX | FL | 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: 801 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/29/2026 Received Mavent supporting lender QM: Safe Harbor (APOR) status. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 812 mid score > min required of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: 32% DTI < max permitted of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 80% CLTV < max permitted of 90% | |||||||||||||||||||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21% is below guideline maximum 45%. CFCFS2860: Good credit history - Clayton Comments: Borrower score is 790. Minimum score per program is 680. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 52 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No score received on LCA. Clayton to order desk review. |
8/10/2026: Received CDA supporting value. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.89%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $112,830.65/49.12 months PITIA > min required of $0.00. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 58 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/ RESPA Integrated Disclosure |
Active | B | B | B | B | CMPTRID5806 | TRID — At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. |
No | Missing CD 5.27.26 and CD 5.29.2026 for non- borrowing title holder. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.81% DTI < max permitted of 50% | |||||||||||||||||||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15+ years at present job CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 Median FICO > 192 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 22.45 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 75.00% is > 22.00% below guideline maximum of 97.00% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 62 | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 Median FICO > 192 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 22.45 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 75.00% is > 22.00% below guideline maximum of 97.00% | |||||||||||||||||||||||||||||||||||||
| 65 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has more than 45 months of reserve assets on deposit. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned subject since 2020. CFCFS2860: Good credit history - Clayton Comments: Borrower has no lates on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 credit score exceeds 640 program minimum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 66 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $107486.20 or 32.85 months of P&I CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 fico score exceeds guidelines 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 40% dti max dti 45% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.83%; guidelines allow 95%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.83%; guidelines allow 95%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 72 | 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 | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1736: Significant time at current residence - Clayton Comments: 21 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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 fail for $1.65. Credit report fee increased from $159.00 on CD XXX to $160.85 on final CD XXX. COC in file did not disclose increase in fee. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
8/12/26 — Lender provided a principal reduction of $1.65 to the loan amount along with corrected Closing Disclosure and proof of delivery within 60 days of consummation. |
8/12/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower been in the same line of work for 40 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 26.86% LTV is below the guideline maximum of 97%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates during the past two years. 0 x 30 in 24 months. | |||||||||||||||||||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 14 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years at present job CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | Need proof initial CD was received by borrower XXX days before consummation date of XXX |
7/30/26 — Please provide confirmation that borrower received LE dated XXX before Initial CD dated XXX 08.05.2026 — Disc tracking provided LE received XXX |
7/30/26 — Exception remains. 08.05.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 18.43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.08% DTI ratio is below the guideline maximum of 50%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 18.43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.08% DTI ratio is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 18.43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.08% DTI ratio is below the guideline maximum of 50%. | |||||||||||||||||||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score not established. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. NOTE: XXXXXX |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: 16 years in profession. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.69% DTI with a max 45% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 score exceeds the 620 minimum required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | We are missing documentation to verify the monthly payment amount of an “Unknown” debt on the 1003 URLA with a balance of $15,000 and monthly payment of $1,250.00. Please provide a complete copy of the applicable statement/ documentation to confirm this debt. |
8/5/2026 Received verification of other expense. Expense is the rent on the apartment used when working out of town. The rent expense of $1,250 per month was incorrectly added as an annual expense. ($1,250 x 12 = $15,000). Unknown debt explained. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 48.09%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 50% | |||||||||||||||||||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Credit/Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | We are missing documentation to verify the monthly payment amount of an “Unknown” debt on the 1003 URLA with a balance of $15,000 and monthly payment of $1,250.00. Please provide a complete copy of the applicable statement/ documentation to confirm this debt. |
8/5/2026 Received verification of other expense. Expense is the rent on the apartment used when working out of town. The rent expense of $1,250 per month was incorrectly added as an annual expense. ($1,250 x 12 = $15,000). Unknown debt explained. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 48.09%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.11% is below guideline maximum 50% | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | A | A | D | A | D | A | C | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property |
No | Missing Final Signed HUD- 1/Closing Disclosure for sale of XXX XXX XXX XXX for $XXX, paying off XXX XXX XXX, and net funds to borrower at $XXX . |
8/11/2026: Received one page of the Final Settlement stmnt. Provide all pages and signed by Settlement Agent.8/24/2026: Received Certified True Copy of Final HUD1 $XXX net proceeds. |
8/11/2026: Exception remains.8/24/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV of 50.28% is less than max allowed 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 24.84% is lower than max DTI allowed 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 766 exceeds required FICO of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $113,677.34 or 30.59 months PITIA. Required PITIA reserves are $0 per AUS. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, Borrower has been with current employer since 9/9/2019. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | A | A | D | A | D | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV of 50.28% is less than max allowed 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 24.84% is lower than max DTI allowed 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 766 exceeds required FICO of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $113,677.34 or 30.59 months PITIA. Required PITIA reserves are $0 per AUS. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, Borrower has been with current employer since 9/9/2019. | |||||||||||||||||||||||||||||||||||||
| 81 | 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 | Missing Updated Valuation: LCA score is N/A>2.5. Clayton to order desk review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 83 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 7.82 % is below maximum allowed 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 806 exceeds minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 50.28 months of PITI reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 37.84% is below maximum allowed 97% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 84 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 score exceeds the 620 minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.11% DTI with a max 45% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $122,568.49 — $70,352.41 CTC = $52,216.08 reserves.No reserves required per AUS. | |||||||||||||||||||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $151,090.14 / 53.35 months PITIA > min required of $0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.20% | |||||||||||||||||||||||||||||||||||||
| 85 | 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. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $151,090.14 / 53.35 months PITIA > min required of $0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.20% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 87 | XXXXXX | XXXXXX | 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: 5+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | CU/ LCA score 3.0. Clayton to order Desk Review. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 42.47% is below guideline maximum 50% CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @4.60% CFCFS2860: Good credit history - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30 | |||||||||||||||||||||||||||||||||||||
| 97 | 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 >3.9. Clayton to order desk review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.238% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 98 | XXXXXX | XXXXXX | MA | 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 | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | Please provide evidence that borrower acknowledged receipt of CD dated XXX XXX days or more prior to consummation date of XXX. |
08.05.2026 - Disclosure tracking provided |
08.05.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 97% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.16% DTI < max permitted of 50% | |||||||||||||||||||||||||||||||||||||
| 98 | XXXXXX | XXXXXX | MA | 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 | PIW approved loan, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 97% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.16% DTI < max permitted of 50% | |||||||||||||||||||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75% is < maximum allowed 95% CFCFS5269: Minimal use of credit - Clayton Comments: Borrower(s) have minimal usage of available revolving credit of 1.41% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closed Assets of $120,089.58 / by PITIA of $8483.45 = 14.16, is > minimum required of 0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score is > minimum required score of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Need evidence of change of circumstances letter for Zero tolerance, (442 Re- Inspection) increase, or a copy of a refund check in the amount of $ 175.00. |
7/30/26 — Lender provided corrected PCCD, copy of refund check, LOX and verification of shipping. |
7/30/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 35.73% > 14.27 points below guideline maximum of 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 Median FICO > 180 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 16.03 months PITIA above guideline minimum 0.00 months PITIA. | |||||||||||||||||||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing signed Final HUD-1 Settlement Statement or Closing Disclosure for the sale of XXXXXX, reflecting net equity proceeds of $151,091.17 and confirming that the Onity mortgage, with a payoff balance of $231,461.00, was paid in full at closing. |
7/29/2026: Received Seller CD with net proceeds and lien paid. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 35.73% > 14.27 points below guideline maximum of 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 Median FICO > 180 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 16.03 months PITIA above guideline minimum 0.00 months PITIA. | |||||||||||||||||||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed “Subject To” w/o Completion Cert in File |
No | Missing appraisal form 1004D for subject property showing the new roof was installed. |
7/29/2026: Received 1004D — work is complete. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 35.73% > 14.27 points below guideline maximum of 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 Median FICO > 180 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 16.03 months PITIA above guideline minimum 0.00 months PITIA. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Fannie Mae CU score is >2.5. Clayton to order desk review |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 35.73% > 14.27 points below guideline maximum of 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 Median FICO > 180 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 16.03 months PITIA above guideline minimum 0.00 months PITIA. | |||||||||||||||||||||||||||||||||||||
| 104 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 8 years. | |||||||||||||||||||||||||||||||||||||
| 104 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @0.030 % CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @0.030 % CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 10.31 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 33.09% > 16.91 points below guideline maximum of 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 Median FICO > 136 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.27% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.24%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 720. | |||||||||||||||||||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.27% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.24%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 720. | |||||||||||||||||||||||||||||||||||||
| 117 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID — Seller CD not in file; need in order to complete fee entry |
No | Missing Sellers CD in file. |
7.29.2026 Lender provided seller CD |
7.29.2026 Exception Satisfied |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV is 97% borrowers LTV is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guidelines require minimum score of 720 and borrower has an 804 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 118 | 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: 782 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.55% is below guideline maximum 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.39% is below guideline maximum 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.94% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 123 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4% 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 $229,029.50 / 54.73 months PITIA > min required of $0.00. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 2.36 months of PITI Reserves and 0 are required CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Credit shows no late mortgage payments CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum Credit Score required 620 loan approved with Score of 731 | |||||||||||||||||||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 2.36 months of PITI Reserves and 0 are required CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Credit shows no late mortgage payments CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum Credit Score required 620 loan approved with Score of 731 | |||||||||||||||||||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) |
No | Loan Approved by AUS as an Appraisal Waiver (PIW); FEMA Declaration date 06/30/2026 and AUS approval 06/18/2026 — PDI to be ordered by Clayton. |
7/31/2026: BPO provided includes photos of property verifying no damage. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 2.36 months of PITI Reserves and 0 are required CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Credit shows no late mortgage payments CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum Credit Score required 620 loan approved with Score of 731 |
29
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 125 | 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. |
8/3/2026: Received BPO supporting value. The photos show XXX . The Condo faces this street but is in the correct Condo Complex. Verified on Google Maps. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.58% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $174,507.59 or 42.79 months PITIA > min required of $0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 125 | 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. |
8/3/2026: Received BPO supporting value. The photos show XXX XXX. The Condo faces this street but is in the correct Condo Complex. Verified on XXX. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.58% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $174,507.59 or 42.79 months PITIA > min required of $0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 126 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 mid score > min required of 620. 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close |
No | Asset documents are missing from file. |
7/29/2026: Received XXX XXX XXX. Verified sufficient funds to close. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage is good with no derogatory events CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 44.24%/maximum 50% CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets |
No | Asset documentation is missing from the loan file, $75,185.45 required to close |
7/29/2026: Received XXX XXX XXX . Verified sufficient funds to close. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage is good with no derogatory events CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 44.24%/maximum 50% CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence | |||||||||||||||||||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Retirement income documentation is missing from the file |
7/29/2026: Received 2025/2024 1099- R. $26,794.92 / 12 = $2,232.91/month. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage is good with no derogatory events CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 44.24%/maximum 50% CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 131 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 2.6. Clayton to order Desk Review. |
8/4/2026: Received CDA supporting value. |
8/4/226: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 10.69% DTI < max permitted of 50% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 808 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation to support appraised value, CU greater than 2.5 Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no lates on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 credit score exceeds 640 program minimum. CFCFS1750: High potential for increased earnings - Clayton Comments: SS deposit is shown on bank statement and it’s not included in qualifying income. | |||||||||||||||||||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.02%/maximum 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 780/minimum 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.02%/maximum 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 780/minimum 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is good with no derogatory | |||||||||||||||||||||||||||||||||||||
| 138 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 2.9. Clayton to order Desk Review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 43.27 months of PITI reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 790 exceeds minimum required 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.85% is below maximum allowed 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80% is below maximum allowed 97% | |||||||||||||||||||||||||||||||||||||
| 139 | XXXXXX | XXXXXX | WA | 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 | RESPA: Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46%; guidelines allow 80%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10+ years in profession. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 139 | XXXXXX | XXXXXX | WA | 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 | Missing updated valuation. CU score > 2.5. Clayton to order desk review |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46%; guidelines allow 80%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10+ years in profession. | |||||||||||||||||||||||||||||||||||||
| 141 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is 4.0 >2.5. Clayton to order desk review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 620. CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has significant time in profession of 10 years. | |||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC3076 | Legal document was not executed or is incomplete |
No | PUD rider is not signed by notary or the borrower. The signed mortgage in file does not indicate a rider is attached. |
8/26/2026: Received corrected DOT, PUD Rider and proof sent for re-recordation. |
8/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $111,774.51/ 56.39 months PITIA > min required of $0.00. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.04% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | AUS to be rerun with the credit report in file reflecting scores 775/802/797 from three bureaus. The AUS in file shows two credit scores 775/797. |
7/29/2026: Received DU #2 Casefile #1724747205, different than the one in original file. Shows all three FICO scores. No additional conditions. |
7/29/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $111,774.51/ 56.39 months PITIA > min required of $0.00. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.04% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $111,774.51/ 56.39 months PITIA > min required of $0.00. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.04% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 143 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | A | D | A | D | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $111,774.51/ 56.39 months PITIA > min required of $0.00. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 17.04% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID5107 | TRID — Seller CD not in file; need in order to complete fee entry |
No | Missing the Seller CD. |
08.05.2026 -Seller CD provided |
08.05.2026 -Exception satisfied |
Not Applicable |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked in higher ed for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 759 exceeds program minimum of 640. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has no lates on credit. | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC152 | Missing verbal VOE required by guidelines |
No | On future employment, a verbal is required to confirm all terms in the offer letter/ contract are still valid. Obtain a VVOE confirming borrower to start employment 8/3/2026 at $110,000 annually. |
8/25/2026: Received verification job started 8/3/2026 on contract terms as noted. |
8/25/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked in higher ed for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 759 exceeds program minimum of 640. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has no lates on credit. | |||||||||||||||||||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | No verification of borrower income from 2025. Need W-2 for 2025 for XXX |
7/29/2026: Received 2025 W2. |
7/29/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked in higher ed for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 759 exceeds program minimum of 640. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has no lates on credit. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 152 | 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 |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has significant time in profession of 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 152 | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has significant time in profession of 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3268 | Note in file is incomplete |
No | Note missing loan term period and signature. |
7/27/2026: Received fully executed Note and Lender/ Broker info. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.74%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2277 | Note Not Executed |
No | Both borrowers signatures missing on incomplete Note. |
7/27/2026: Received fully executed Note and Lender/ Broker info. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.74%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2862 | Copy of Note in file is incomplete |
No | Note missing Lender/ Broker ID Numbers |
7/27/2026: Received fully executed Note and Lender/ Broker info. |
7/27/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.74%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing from file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.28%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.28%. | |||||||||||||||||||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.28%. | |||||||||||||||||||||||||||||||||||||
| 156 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 812. Minimum requirement 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 54.13% LTV. Max allowed 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 160 | 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: 783 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.02%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 162 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA — List of homeowners counseling organizations not in file |
No | Housing Counselors Organizations List missing. |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 83+ months positive payments no 0x30/60/90 lates CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 FICO > 620 product minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.71% LTV < 80% product cap CFCFS1736: Significant time at current residence - Clayton Comments: 9+ years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.17% DTI < 45% product maximum | |||||||||||||||||||||||||||||||||||||
| 162 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure |
(No Data) |
(No Data) |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 83+ months positive payments no 0x30/60/90 lates CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 FICO > 620 product minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.71% LTV < 80% product cap CFCFS1736: Significant time at current residence - Clayton Comments: 9+ years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.17% DTI < 45% product maximum | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 162 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | ATR/QM not provided |
8/4/2026: Received SH status. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: 83+ months positive payments no 0x30/60/90 lates CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 FICO > 620 product minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.71% LTV < 80% product cap CFCFS1736: Significant time at current residence - Clayton Comments: 9+ years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.17% DTI < 45% product maximum | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | C | B | D | D | D | D | D | C | C | 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 | 1.Missing proof that the taxes and insurance are included in the monthly Mortgage payment of $1204 with PNMAC for the departing residence.2.Missing satisfactory documentation that the XXX ending #XXX belongs to the borrower as the document in file is only an only statement. 3. Missing the Work Number WVOE as indicated per the AUS in file. 4. Lender approved DTI at 49.74%. Clayton calculated income for B1 $9892.06. Subject PITI $3,696.22 , for DTI of 50.50%. Difference is due to the flood insurance for the subject property of $74.42 per months which was not included in the subject PITI. |
7/31/2026: Docs received for Items #1, #2, #3. |
7/31/2026: Exception remains for Item #4. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | C | B | D | D | D | D | D | C | C | A | D | D | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing satisfactory documentation that the XXX ending #XXX belongs to the borrower as the document in file is only an only statement. |
7/31/2026: Received verification acct is in borrower’s name. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | C | B | D | D | D | D | D | C | C | A | D | D | Credit | DTI | Active | C | C | C | C | CRDDTI187 | Debt Ratio > 50% |
Yes | Lender approved DTI at 49.74%. Clayton calculated income for B1 $9892.06. Subject PITI $3,696.22 , for DTI of 50.50%. Difference is due to the flood insurance for the subject property of $74.42 per months which was not included in the subject PITI. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | C | B | D | D | D | D | D | C | C | A | D | D | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing proof that the taxes and insurance are included in the monthly Mortgage payment of $1204 with PNMAC for the departing residence |
7/31/2026: Received PNMAC mtg stmnt showing PITI $1,204.52. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | C | B | D | D | D | D | D | C | C | A | D | D | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Missing the Work Number WVOE as indicated per the AUS in file. |
7/31/2026: Received Work # noted in AUS. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | C | C | B | D | D | D | D | D | C | C | 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 |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Inquiry for Service Fin 2/23/26 not addressed by borrower 1. |
7/31/2026: Verification received showing new account $0 balance. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Mortgage P&I payment decreased by $265.31/mo. CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report since 6/2019. Oldest reported tradeline opened 08/2009. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 754 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA or CU score is no score. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Mortgage P&I payment decreased by $265.31/mo. CFCFS2860: Good credit history - Clayton Comments: No late payments reporting on credit report since 6/2019. Oldest reported tradeline opened 08/2009. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 754 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.38% DTI < max permitted of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.20% CLTV < max permitted of 80% | |||||||||||||||||||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026 : Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.38% DTI < max permitted of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.20% CLTV < max permitted of 80% | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Verified non- QM due to fees >3%: Lender excluded $5,303.46 in Bona Fide Discount points in High-Cost loan test. Missing documentation to make this same calculation. |
7/31/2026: Received verification of 6.296% undiscounted rate and bonafide fee. Loan is now QMSH. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 385 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6,235.58 or 3.63 months of PITINo reserves are required to be verify per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Verified non- QM due to fees >3%: Lender excluded $5,303.46 in Bona Fide Discount points in High-Cost loan test. Missing documentation to make this same calculation. |
7/31/2026: Received verification of 6.296% undiscounted rate and bonafide fee. Loan is now QMSH. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 385 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6,235.58 or 3.63 months of PITINo reserves are required to be verify per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA — List of homeowners counseling organizations not provided w/in 3 days of application |
No | The Initial 1003 is dated 3/20/2026 and the List of Homeowners counseling Organization is dated 3/30/2006 |
7/31/2026: Received verification loan app date is 3/27/2026. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 385 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6,235.58 or 3.63 months of PITINo reserves are required to be verify per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | 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 | Section 32 |
Satisfied | C | B | C | B | CMPS32371 | Section 32 Loan per Points and Fees Test |
No | Lender excluded $5,303.46 in Bona Fide Discount points in High-Cost loan test. Missing documentation to make this same calculation. |
7/31/2026: Received verification of 6.296% undiscounted rate and bonafide fee. Loan is now QMSH. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 385 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6,235.58 or 3.63 months of PITINo reserves are required to be verify per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | 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 | State High Cost |
Satisfied | C | B | C | B | CMPSTHC332 | TX High- Cost Loan by exceeding point and fee threshold, |
No | Lender excluded $5,303.46 in Bona Fide Discount points in High-Cost loan test. Missing documentation to make this same calculation. |
7/31/2026: Received verification of 6.296% undiscounted rate and bonafide fee. Loan is now QMSH. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 385 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6,235.58 or 3.63 months of PITINo reserves are required to be verify per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | 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 | A | C | A | CMPTRID3552 | TRID — Loan Estimate not timely |
No | The Initial Application 1003 is dated 3/20/2026 and the Initial Loan Estimate is dated XXX, Loan Estimate not Timely. |
7/31/2026: Received verification loan app date is 3/27/2026. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 385 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6,235.58 or 3.63 months of PITINo reserves are required to be verify per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 385 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6,235.58 or 3.63 months of PITINo reserves are required to be verify per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79%; guidelines allow 97%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 385 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $6,235.58 or 3.63 months of PITINo reserves are required to be verify per AUS/DU. | |||||||||||||||||||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Lender did not provide an ATR/QM status determination. |
7/31/2026: Received SH status. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 37.50%; guidelines allow 95%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI of 29.46% is below guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 37.50%; guidelines allow 95%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI of 29.46% is below guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 192 | 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: Borrower LTV of 80.00% is > 15.00% below guideline maximum of 95.00% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x68 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 19.51% > 30.49 points below guideline maximum of 50.00%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | Federal Consumer Protection |
Satisfied | C | A | C | A | CMPFDCP2109 | ROR — Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period |
No | File missing Closing Disclosure from closing XXX . Unable to properly test rescission |
7/31/26 — Lender provided final CD dated XXX. |
7/31/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit report. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 750. Minimum requirement 620. CFCFS2860: Good credit history - Clayton Comments: no derogatory items reflected on credit report. | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | Right of Rescission |
Satisfied | B | B | B | B | CMPROR117 | ROR — Expiration date on form prior to end of rescission period |
No | ROR expiration date XXX . Corrected CD issued on XXX and disbursement date XXX |
7/31/26 — Lender provided final CD dated XXX. |
7/31/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit report. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 750. Minimum requirement 620. CFCFS2860: Good credit history - Clayton Comments: no derogatory items reflected on credit report. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | HOA $270/month and shortage to have been added to monthly payment for investment property pitia. |
8/25/2026: Received Lease Agreement showing $3,750/mo gross rent. Per DRIVE Report, REO was purchased XXX . Lease started 9/2025. |
8/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit report. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: No reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 750. Minimum requirement 620. CFCFS2860: Good credit history - Clayton Comments: no derogatory items reflected on credit report. | |||||||||||||||||||||||||||||||||||||
| 195 | 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: 11+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 198 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: B2 (XXX XXX ) has been in the same line of work 19 years and 10 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 13 years and 6 months. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 7.58%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $10,219.04 due to Lender Discount Points increased from CD dated XXX to final CD dated XXX. Missing a valid Change of Circumstance, for borrower requested changes: increasing loan amount and increasing points to lower note rate. |
08.04.2026 — Missing CD provided however still missing the COC for the increase in Loan points by $10219.04.08.12.2026 -COC provided |
08.04.2026 - Exception remains08.12.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at present job CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/30/2026: Received BPO supporting value. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have144 months mortgage payment history 0x30. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00% CFCFS2860: Good credit history - Clayton Comments: 780 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/30/2026: Received BPO supporting value. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have144 months mortgage payment history 0x30. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00% CFCFS2860: Good credit history - Clayton Comments: 780 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/30/2026: Received SH status. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.27% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.25% | |||||||||||||||||||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA/CU returned no score. Clayton to order a desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.27% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.25% | |||||||||||||||||||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | IL | 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 | Provide HOI for XXXXXX (B2 primary) or verification there is none. |
8/11/2026: Received HOI for primary. |
8/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 20 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits |
No | Missing a fully executed Closing Disclosure or HUD-1 to document the source of the $XXX sale proceeds deposited into the XXX XXX XXX account ending in XXX on XXX . |
7/31/2026: Received HUD1 signed by Settlement Agent showing $XXX net proceeds. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 Median FICO > 178 points above guideline minimum of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 29.47% > 20.53 points below guideline maximum of 50.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 65.50% is > 14.50% below guideline maximum of 80.00% | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | TX | 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 | Texas Home Equity |
Satisfied | C | B | C | B | CMPTXHE126 | TX Equity — Loan closed at Prohibited location |
No | Closing Location on the Scheduling Confirmation has the address of a company’s office called XXX, but that title company does not appear to be in any way associated with this file or with XXX Closing Services otherwise. |
7/30/2026: Received Closing Scheduling Confirmation. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $496,568.95 / 203.39 months PITIA > min required of $20,879.24. | |||||||||||||||||||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is 5 >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $496,568.95 / 203.39 months PITIA > min required of $20,879.24. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: 21% DTI is well below the 50% maximum allowed on the program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 credit score exceeds 640 program minimum. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked with same investment firm since 1997. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 211 | 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: 730 mid score is > minimum required score of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closed Assets of $24,068.11 / by PITIA of $3885.69 = 6.19, is > minimum required of 0 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 41.65% is < maximum allowed of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.93% is < maximum allowed 95% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 70 months mortgage payment history of 0/30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | Missing updated valuation. LCA score > 2.5. Clayton to order desk review. |
8/3/2026: CDA received reviewed appraisal from 2025. CDA to be corrected reviewing 4/2026 appraisal. |
8/3/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 82 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $17,581.46 or 7.49 months of PITI $2,345.63; required reserves $0.00 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27% is below guideline maximum 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20+ years at present job CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.01% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | Texas Home Equity |
Satisfied | D | B | D | B | CMPTXHE117 | TX Equity — Missing Affidavit of Fair Market Value |
No | Missing Affidavit of Fair Market Value |
7/31/2026: Received FMV Acknowledgement. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.% DTI < max permitted of 50% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 728 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% | |||||||||||||||||||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
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 | LCA returned no score. Clayton to order Desk Review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.% DTI < max permitted of 50% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 728 mid score > min required of 620 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Missing documentation with specific fee change amounts. Zero Tolerance Fee of $3,024.44 due to $4 Credit Report Fee increased and $3,020.44 Lender Credit Fee decreased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
7/30/26 — LE showed a LE lender credit of $2404.56; Lender credit decreased to $1275.56 on final CD. Lender provided COC showing decrease due to lock extension. |
7/30/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620 . | |||||||||||||||||||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID — CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Missing documentation with specific fee change amounts. Need evidence of change of circumstances letter for Ten Percent tolerance, Recording Fee increase, or a copy of a refund check in the amount of $ 19.6. |
7/30/26 — Lender provided comment on COC saying loan change in vesting; increased the recording fees. |
7/30/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620 . | |||||||||||||||||||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Credit | Terms/ Guidelines |
Active | D | B | D | B | CRDTER2548 | Missing AUS or AUS errors present |
No | LP #13 is Accept/ InEligible, requiring re- run for:1. Verified assets since $2,630.81 is what is required to close per LP ($2,626.41 on Final CD).2. FPA0103 — current address does not match subject address.LP needs Accept/ Eligible Risk Class. |
7/31/2026: Lender LOX that assets verified are well within 90% required. Clayton agrees. The address does match. |
7/31/2026: Exception remains Level 2. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620 . |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Credit | Credit/ Mtg History |
Active | B | B | B | B | CRDCRMH123 | No evidence of required debt payoff |
No | Provide proof of payoff for all debts per AUS:XXX #XXX — $210/balanceDept #XXX — $3,293/balanceDept #XXX — $10,936/balanceDept #XXX — $12,566/balanceDept #XXX — $29,495/balanceDept #XXX — $61,311/balanceDept #XXX — $68,526/balanceXXX #XXX — $674,637/balance |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.05% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 . | |||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | 7/31/2026: Exception added after review of trailing docs: Loan is approved PIW. Clayton to order BPO. |
8/7/2026: Received BPO supporting value. |
8/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.05% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 . | |||||||||||||||||||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal |
No | Per the AUS, the loan requires 1004 appraisal; please provide. |
7/31/2026: Received updated AUS approved PIW. |
7/31/2026: Exception canceled. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.05% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 . |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | A | D | D | D | D | C | 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 | Missing documentation confirming the following accounts were paid off at or before closing as indicated on the AUS: XXXCARD, Acct: XXX , Bal: $140.00; Creditor: XXX /XXX , Acct: ***XXX, Bal: $196.00; Creditor: XXX XXX Acct:***XXX , Bal: $604.00; Creditor: XXX XXX , Acct: 4499, Bal: $817.00; Creditor: XXX CARD, Acct:XXX , Bal:$853.00; Creditor: XXX Acct: XXX , Bal: $1,362.00; Creditor: XXX XXX , Acct: XXX, Bal: $3,021.00;Creditor: XXX , Acct: XXX , Bal: $24,516.00; Creditor: XXX , Acct: XXX , Bal: $26,078.00;Creditor: XXX , Acct: XXX Bal: $52,060.00; Creditor: XXX , Acct: XXX , Bal: $52,215.00;Creditor: XXX , Acct: XXX , Bal: $53,554.00; Creditor: XXX , Acct: XXX , Bal: $60,220.00;Creditor: XXX Acct: XXX , Bal: $62,384.00; Creditor: XXX , Acct: ***XXX , Bal: $214,713.00. |
8/3/2026: Lender rebuttal — all accounts are duplicates. Clayton disagrees. All have separate account numbers. The two account on CBR that are Auth Users accounts were not included in DTI. The PNMAC mtg was omitted because it is pending sale per Final 1003. |
8/3/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | A | D | D | D | D | C | C | D | A | D | D | 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 | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD |
7/31/26 — Lender provided tracking information for ICD but not the initial CD. 08.05.2026 — ICD received. |
7/31/26 — Exception remains. 08.05.2026 -Exception satisifed |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | A | D | D | D | D | C | C | D | A | D | D | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of XXX |
7/31/26 — Lender provided tracking information for ICD but not the initial CD. 08.05.2026 — ICD received. |
7/31/26 — Exception remains. 08.05.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | A | D | D | D | D | C | C | D | A | D | D | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID — CD: Missing Initial CD |
No | Missing Initial Closing Disclosure 6/10/2026. Please provide. |
7/31/26 — Lender provided tracking information for ICD but not the initial CD. 08.05.2026 — ICD received. |
7/31/26 — Exception remains. 08.05.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | A | D | D | D | D | C | C | D | A | D | D | Credit | Credit/ Mtg History |
Active | C | C | C | C | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
Yes | Missing documentation confirming the following accounts were paid off at or before closing as indicated on the AUS: XXX CARD, Acct:XXX , Bal: $140.00; Creditor: XXX , Acct: ***XXX , Bal: $196.00; Creditor: XXX XXX , Acct:***XXX , Bal: $604.00; Creditor: XXX /XXX , Acct:XXX , Bal: $817.00; Creditor:XXX CARD, Acct: XXX Bal:$853.00; Creditor: XXX , Acct: XXX , Bal: $1,362.00; Creditor: XX XXX , Acct: XXX , Bal: $3,021.00;Creditor: XXX , Acct: XXX , Bal: $24,516.00; Creditor: XXX Acct: XXX , Bal: $26,078.00;Creditor: XXX , Acct: XXX , Bal: $52,060.00; Creditor: XXX Acct: XXX , Bal: $52,215.00;Creditor: XXX Acct: XX , Bal: $53,554.00; Creditor: XXX Acct: XXX , Bal: $60,220.00;Creditor: XXX T, Acct: XXX , Bal: $62,384.00; Creditor: XXX Acct: ***XXX , Bal: $214,713.00. |
8/3/2026: Lender rebuttal — all accounts are duplicates. Clayton disagrees. All have separate account numbers. The two account on CBR that are Auth Users accounts were not included in DTI. The PNMAC mtg was omitted because it is pending sale per Final 1003. |
8/3/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | C | C | D | A | D | D | D | D | C | C | D | A | D | D | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | B | B | D | B | D | D | D | D | B | B | D | A | D | D | Compliance | Ability to Repay/ Qualified Mortgage |
Active | D | D | D | D | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
Yes | Missing evidence of mortgage payoff or proof of property sale from XXX XXX Account #XXX for the property XXX XXX XXX in order to exclude this payment from qualifying ratios per the AUS. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 27.16% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.86%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have50 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | B | B | D | B | D | D | D | D | B | B | D | A | D | D | Credit | Credit/ Mtg History |
Active | B | B | B | B | CRDCRMH123 | No evidence of required debt payoff |
No | Missing evidence of mortgage payoff or proof of property sale from Rocket Mortgage Account #XXX for the property XXX XXX XXX in order to exclude this payment from qualifying ratios per the AUS. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 27.16% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.86%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have50 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | B | B | D | B | D | D | D | D | B | B | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 27.16% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.86%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have50 months of current mortgage payment history 0x30. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | B | B | D | B | D | D | D | D | B | B | D | A | D | D | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 27.16% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.86%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have50 months of current mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/31/2026: Received SH status. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.28%; guidelines allow 97%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 18.37% | |||||||||||||||||||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
8/12/2026: Received CDA supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.28%; guidelines allow 97%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 18.37% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | TX | 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 | Missing verification of monthly taxes and insurance for XXX XXX XXX |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26+ years with current employer CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4% | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | TX | 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 | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $5196.99 due to Discount Point fees increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
7/31/26 — Lender provided COC showing increase in discount points. |
7/31/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26+ years with current employer CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4% | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | TX | 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 | Assets | Active | D | D | D | D | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements |
Yes | Missing signed settlement statement for XXX XXX XXX verifying proceeds of $202,972.51 — statement received is not signed. |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26+ years with current employer CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | TX | 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 | Credit/ Mtg History |
Active | C | C | C | C | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
Yes | Missing verification of monthly taxes and insurance for XXX XXX XXX . |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26+ years with current employer CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4% | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score >2.5. Clayton To Order Desk Review. |
8/4/2026: CDA received reviewed incorrect appraisal report from 7/2025. Correct CDA review for Appraisal dated 4/30/2026 at $660K value to be reviewed.8/26/2026: Received corrected CDA.9/1/2026: Received 2055 Report supporting value. |
8/4/2026: Exception remains.8/26/2026: Exception satisfied.9/1/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no derogatory events 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 713/minimum 620 | |||||||||||||||||||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 8/26/2026: Exception added after review of trailing docs: 8/26/2026: Received CDA not supporting value. Clayton to order Field Review |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Good credit history with no derogatory events 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 713/minimum 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 232 | 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 orderBPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1746: Significant housing expense reduction - Clayton Comments: Subject housing expense reduced from $4,202.49 to $3,951.25. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30 and 84 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $159,245.18 or 38.83 months PITIA. No reserves required. | |||||||||||||||||||||||||||||||||||||
| 232 | 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 PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1746: Significant housing expense reduction - Clayton Comments: Subject housing expense reduced from $4,202.49 to $3,951.25. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30 and 84 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $159,245.18 or 38.83 months PITIA. No reserves required. | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero Tolerance Fee of $2609.60 due to Discount Point fees increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
7/31/26 — Lender provided COC showing increase in discount points. |
7/31/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 45 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 38 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | TX | 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 |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 45 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 38 years. | |||||||||||||||||||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 45 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 38 years. | |||||||||||||||||||||||||||||||||||||
| 238 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3646 | TRID — CD: Ten percent 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 | $46 Ten Percent Tolerance Violation due to increase in Recording fees from $320 to $420 on Final CD without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. $43.50 lender credit provided on CD for increase in Closing Costs above limit but short $2.50. An additional refund is due in the amount of $2.50 via Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
8.3.2026 — Final ALTA provided reflecting borrower paid $220 for mortgage recording fee. Please provide LOX and Funding CD reflecting the accurate closing costs matching the ALTA.08.17.2026 — LOX and PCCD received. |
8.3.2026 — Exception remains8.17.2026 — Exception satisfied |
Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.62%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55%; guidelines allow 95%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 238 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Property Valuations |
FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) |
No | FEMA Declaration for XXX 06.30.2026 and appraisal date XXX. PDI to be ordered by Clayton. |
8/26/2026: Received cleared PDI Report dated 8/24/2026. |
8/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.62%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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 $129 due to $4 Credit Report fee and $125 Signing fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
8/19/26 — Lender provided principal reduction of $129 along with Post Close CD and LOX. |
8/19/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 59 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3676 | TRID — CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Need evidence of change of circumstances letter for Ten Percent tolerance, Recording fee increase, or a copy of a refund check in the amount of $ 36.00. |
8/19/26 — Lender provided principal reduction of $36 along with Post Close CD and LOX. |
8/19/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 59 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 17+ years at present job |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing documentation to support the property taxes, homeowners insurance and HOA if applicable for the property on XXX totaling $924.27. |
7/31/2026: Received tax and HOI info. Verified no HOA. $1,410.98/month total. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 59 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 17+ years at present job | |||||||||||||||||||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | B | B | D | B | D | A | C | A | B | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used — H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same- lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 5 years and 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.12% LTV below guideline requirements of 95% per program. CFCFS1739: Positive mortgage payment history - Clayton Comments: No late pays since inception of mortgage from 7/2024. CFCFS2860: Good credit history - Clayton Comments: No late pays present for either borrower |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | B | B | D | B | D | A | C | A | B | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing Title document. |
7/31/2026: Received short form Final Title. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 5 years and 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.12% LTV below guideline requirements of 95% per program. CFCFS1739: Positive mortgage payment history - Clayton Comments: No late pays since inception of mortgage from 7/2024. CFCFS2860: Good credit history - Clayton Comments: No late pays present for either borrower | |||||||||||||||||||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | C | B | B | B | D | B | D | A | C | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 5 years and 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.12% LTV below guideline requirements of 95% per program. CFCFS1739: Positive mortgage payment history - Clayton Comments: No late pays since inception of mortgage from 7/2024. CFCFS2860: Good credit history - Clayton Comments: No late pays present for either borrower | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | 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 declared QM Safe Harbor from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $8648.66, max allowed is $8510.85; $137.81 too high). |
7/31/2026: Received verification 6.375 Par rate and bonafide fee. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.91% is below 95 % Guideline max for rate/term refinance, primary, one unit. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 33.31% is below guideline maximum of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Median FICO 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | 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 declared QM Safe Harbor from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $8648.66, max allowed is $8510.85; $137.81 too high). |
7/31/2026: Received verification 6.375 Par rate and bonafide fee. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.91% is below 95 % Guideline max for rate/term refinance, primary, one unit. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 33.31% is below guideline maximum of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Median FICO minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | 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 | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD |
8/3/26 — Lender provided initial CD dated XXX. |
8/3/26 — exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.91% is below 95 % Guideline max for rate/term refinance, primary, one unit. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 33.31% is below guideline maximum of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Median FICO minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of XXX |
8/3/26 — Lender provided initial CD dated XXX. |
8/3/26 — exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.91% is below 95 % Guideline max for rate/term refinance, primary, one unit. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 33.31% is below guideline maximum of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Median FICO 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID — CD: Missing Initial CD |
No | Missing Initial CD |
8/3/26 — Lender provided initial CD dated XXX. |
8/3/26 — exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.91% is below 95 % Guideline max for rate/term refinance, primary, one unit. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 33.31% is below guideline maximum of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Median FICO minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA (or CU) score is >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.39%; guidelines allow 95%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 14 years. | |||||||||||||||||||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Lender verified 44% DTI, Clayton verified 46.48%. Since lender approved under 45% and review verified >45%, the 3% tolerance does not apply. Clayton verified $2,771.55 PITIA for REO on XXX: $2,525.83 PITI + $247.52 HOA. Lender shows $0.01 on Final 1003. Clayton verified $10,051.17 total monthly obligations. Lender verified $9,577.07 per LP #14. Provide updated LP with Accept/ Eligible risk class with DTI at 46%. |
8/10/2026: Received updated LP #XXX A/E at DTI 47%. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 71.70% is less than the max allowed of 95%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked in his current profession for 19 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 786 exceeds the min requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $47,609.36 or 8.68 months PITIA. No reserves are required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | CA | 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. |
7/31/2026 Received BPO. Value supported with - 6.00% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 71.70% is less than the max allowed of 95%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked in his current profession for 19 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 786 exceeds the min requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $47,609.36 or 8.68 months PITIA. No reserves are required. | |||||||||||||||||||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | CA | 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. |
7/31/2026 Received BPO. Value supported with - 6.00% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 71.70% is less than the max allowed of 95%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked in his current profession for 19 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 786 exceeds the min requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $47,609.36 or 8.68 months PITIA. No reserves are required. | |||||||||||||||||||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 30+ years with current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 250 | XXXXXX | XXXXXX | OR | 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. |
8/6/2026: Received BPO supporting value. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.83% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years and 10 monhts. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 mid score > min required of 620 . | |||||||||||||||||||||||||||||||||||||
| 250 | XXXXXX | XXXXXX | OR | 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. |
8/6/2026: Received BPO supporting value. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.83% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years and 10 monhts. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 mid score > min required of 620 . | |||||||||||||||||||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received BPO. Value supported with +1.38% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 790 median FICO. Min required 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 24.03% DTI. Max 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +1.38% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 790 median FICO. Min required 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 24.03% DTI. Max allowed 45%. | |||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026: BPO received does not verify the house # or street name. XXX shows a completely different home. Verify accuracy of report.8/7/2026: Received 2055 Report supporting value. |
7/31/2026: Exception remains.8/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.21% is below guideline maximum 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.15%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: BPO received does not verify the house # or street name. XXX shows a completely different home. Verify accuracy of report.8/7/2026: Received 2055 Report supporting value. |
7/31/2026: Exception remains.8/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.21% is below guideline maximum 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.15%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | IN | 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 | Client status is QM Safe Harbor; Clayton status is Non QM is fees too high ( adjusted charged are $8,837.85, max allowed is $6,587.66, $2,250.19 too high |
7/31/2026: Received verification 7.875% Par Rate and bonafide fee. Loan is now SH. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 734 exceeds minimum fico of 620 CFCFS2860: Good credit history - Clayton Comments: Excellent payment history, no major derogs, excellent Fico CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.77% below max DTI 45% | |||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | IN | 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 | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Client status is QM Safe Harbor; Clayton status is Non QM is fees too high ( adjusted charged are $8,837.85, max allowed is $6,587.66, $2,250.19 too high |
7/31/2026: Received verification 7.875% Par Rate and bonafide fee. Loan is now SH. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 734 exceeds minimum fico of 620 CFCFS2860: Good credit history - Clayton Comments: Excellent payment history, no major derogs, excellent Fico CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.77% below max DTI 45% | |||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission |
Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used — H8 Form Used in Refinance With Original Creditor |
No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same- lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 734 exceeds minimum fico of 620 CFCFS2860: Good credit history - Clayton Comments: Excellent payment history, no major derogs, excellent Fico CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.77% below max DTI 45% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | C | C | C | A | C | C | A | A | C | C | 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 declared QM Safe Harbor (APOR) from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $7,532.72 max allowed is $6,814.57; $718.15 too high) |
7/30/2026: Received verification of bonafide fee. Loan is now SH. |
7/30/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.71% DTI with a max 45% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 score exceeds the 620 minimum required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years in profession. | |||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received BPO. |
7/31/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.71% DTI with a max 45% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 score exceeds the 620 minimum required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years in profession. | |||||||||||||||||||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 7/31/2026 Received BPO. Value supported with - 17.33% variance. Value not supported. Clayton to order Exterior inspection. |
8/11/2026: Received 2055 Report, not supporting value. Lender to order a full appraisal. |
8/11/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.71% DTI with a max 45% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 score exceeds the 620 minimum required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years in profession. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | C | C | D | A | D | C | D | A | C | C | 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.) AUS to reflect the subject as a PUD , AUS to remain Approve/ Eligible. |
(No Data) | 7/30/2026: Canceled. Not a QM Issue. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.38% LTV below guideline requirements of 95% per program. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $396,358.90 or 132.11 month PITI. No reserves are required per AUS.. CFCFS2860: Good credit history - Clayton Comments: Minimal usage of available revolving credit lines @ 14.41% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 776. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | C | C | D | A | D | C | D | A | C | C | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing proof that the taxes and insurance are included in the monthly Mortgage payment of $3,612.56 with PNMAC for the departing residence and Verify that there are no HOA dues on the property. |
7/31/2026 Received verification of PITIA expense for departing primary. Expense $3,652.66 verified slightly higher than used to qualify but within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.38% LTV below guideline requirements of 95% per program. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $396,358.90 or 132.11 month PITI. No reserves are required per AUS.. CFCFS2860: Good credit history - Clayton Comments: Minimal usage of available revolving credit lines @ 14.41% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 776. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | C | C | D | A | D | C | D | A | C | C | 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 |
7/30/2026: Received BPO. |
7/30/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.38% LTV below guideline requirements of 95% per program. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $396,358.90 or 132.11 month PITI. No reserves are required per AUS.. CFCFS2860: Good credit history - Clayton Comments: Minimal usage of available revolving credit lines @ 14.41% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 776. Minimum score per program 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | C | C | D | A | D | C | D | A | C | C | D | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 7/30/2026: Exception added after review of trailing docs: 7/21/2026: Received BPO not supporting value. Clayton to order 2055 Report Exterior- only. |
(No Data) |
(No Data) | Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.38% LTV below guideline requirements of 95% per program. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $396,358.90 or 132.11 month PITI. No reserves are required per AUS.. CFCFS2860: Good credit history - Clayton Comments: Minimal usage of available revolving credit lines @ 14.41% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 776. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 263 | 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 | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is 3 >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $161,492.27 or 80.11 months of P&I > min required of $0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620 CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
8/5/2026 Received BPO Value supported with - 7.89% variance. Value supported within tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $67,936.18 or 21 months reserves , $0 reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI of 21.42% is below guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 270 | 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. |
8/5/2026 Received BPO. Value supported with - 7.89% variance. Value supported within tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $67,936.18 or 21 months reserves , $0 reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI of 21.42% is below guideline maximum of 45%. | |||||||||||||||||||||||||||||||||||||
| 275 | 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 | PRVAAPPR275 | Completed “Subject To” w/o Completion Cert in File |
No | Missing Completion Certificate (1004D) |
8/3/2026: Received report indicating no damage. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.33% is below guideline maximum 50% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors |
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 | Non-QM | 08.05.2026 — Undiscounted rate provided |
08.05.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 82% LTV < 95% guideline cap CFCFS1739: Positive mortgage payment history - Clayton Comments: 38+ months positive payment history no 0x30/60/90 lates CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 FICO > 620 guideline minimum recommendation CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.06% DTI < 45% Max DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $34896.76 verified cash reserves > $0 required by LP | |||||||||||||||||||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors |
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 | Master policy or HOI with sufficient coverage not provided |
7/31/2026 Received master insurance policy for subject supporting sufficient coverage. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 82% LTV < 95% guideline cap CFCFS1739: Positive mortgage payment history - Clayton Comments: 38+ months positive payment history no 0x30/60/90 lates CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 FICO > 620 guideline minimum recommendation CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.06% DTI < 45% Max DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $34896.76 verified cash reserves > $0 required by LP | |||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | OR | 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 | Income/ Employment |
Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing |
No | Provide the borrowers 2025 Tax Return extension. |
7/31/2026 Received 2025 Extension to IRS. Supports extension was accepted by IRS on 4/5/2026. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 787 exceeds the min requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $132,103.83 or 29.45 months PITI. No reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 74.10% is below the max allowed of 95%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in her current profession for more than 14 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | OR | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 787 exceeds the min requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $132,103.83 or 29.45 months PITI. No reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 74.10% is below the max allowed of 95%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in her current profession for more than 14 years. | |||||||||||||||||||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | OR | 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. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 787 exceeds the min requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $132,103.83 or 29.45 months PITI. No reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 74.10% is below the max allowed of 95%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in her current profession for more than 14 years. | |||||||||||||||||||||||||||||||||||||
| 279 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 exceeds minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $19,011.77 or 3.47 months of PITI. No reserves required by AUS. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.79% 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 279 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 exceeds minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $19,011.77 or 3.47 months of PITI. No reserves required by AUS. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.79% is below maximum allowed 45% | |||||||||||||||||||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | NH | 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: 780 fico score exceeds guidelines 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 26% dti max DTI 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $61,221.78 or 18.57 months of P&I | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Missing Final CD signed by the borrower at closing (XXX) |
8/3/26 — Lender provided Final CD dated and signed XXX. |
8/3/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has no lates on credit in the last 4 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history of 0 x 30 out of 13 payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score exceeds 640 program minimum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 291 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
8/4/2026: Received BPO. |
8/4/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.37%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job | |||||||||||||||||||||||||||||||||||||
| 291 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/4/2026: Received BPO. |
8/4/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.37%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job | |||||||||||||||||||||||||||||||||||||
| 291 | XXXXXX | XXXXXX | CO | 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 | 8/4/2026: Exception added after review of trailing docs: 8/4/2026: Received BPO not supporting value. Clayton to order 2055 Report Exterior- only. |
8/11/2026: Received 2055 Report supporting value. |
8/11/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.37%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 297 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on mortgage debts. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 Credit score exceeds 640 program minimum. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer for over 13 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage |
No | Hazard insurance coverage is $516,000, subject loan amount is $XXX. There is Insufficient Hazard Insurance Coverage. Dec page indicates Extended Replacement cost, but amount or percentage is not specified. Minimum required coverage is 528,000. |
7/31/2026 Received RCE for subject property. Supports dwelling coverage is sufficient. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in same professions for 10 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.33% | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is approved PIW. Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in same professions for 10 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.33% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in same professions for 10 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.33% | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | Borrower’s Interest |
Active | B | B | B | B | CMPBI1622 | RI Borrower Interest; NTB Disclosure not in file |
No | Borrower Interest; NTB Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.11%; guidelines allow 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | State Consumer Protection |
Satisfied | D | A | D | A | CMPSTCP1297 | RI Home Loan — Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file |
No | Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file |
8/3/26 — Lender provided Prohibited Acts of Lenders and Loan Brokers Disclosure. |
8/3/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.11%; guidelines allow 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Compliance | State Consumer Protection |
Satisfied | D | A | D | A | CMPSTCP1309 | RI Home Loan — Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file |
No | Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file |
8/3/26 — Lender provided Prohibited Acts of Lenders and Loan Brokers Disclosure. |
8/3/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.11%; guidelines allow 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.11%; guidelines allow 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.11%; guidelines allow 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 306 | 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. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.01%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||||||||||||||||||||||||
| 306 | 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 PIW approved, Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.01%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||||||||||||||||||||||||
| 307 | XXXXXX | XXXXXX | MN | 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 | Loan declared QM Safe Harbor(APOR) from lender/ client; Clayton status is NonQM due to fees to high (adjusted charges are $14,240.21, max allowed is $10,858.80. Over fees by $3,381.41 ($14,240.21 — $10,858.80) |
8.3.2026 — Undiscounted rate provided |
8.3.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 77.08%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.81% is below guideline maximum 45%. 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 307 | XXXXXX | XXXXXX | MN | 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 | CMPATRQM2904 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Loan declared QM Safe Harbor(APOR) from lender/ client; Clayton status is NonQM due to fees to high (adjusted charges are $14,240.21, max allowed is $10,858.80. Over fees by $3,381.41 ($14,240.21 — $10,858.80) |
8.3.2026 — Undiscounted rate provided |
8.3.2026 — Exception satisfied |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 77.08%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.81% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 307 | XXXXXX | XXXXXX | MN | 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 | Borrower’s Interest |
Active | B | B | B | B | CMPBI5571 | MN Borrower’s Interest- Borrower signed TNB form at or after closing. |
No | NTB form is dated on 6/4/2026 and is on the date of closing 6/4/2026. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 77.08%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.81% is below guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3706 | TRID — Curable Issue #1 related to the Closing Disclosure in file |
No | The Final CD does not have the tax escrow on page one and verified whether or not it will be escrowed. Provide corrected CD, LOX and proof sent to the borrower. Additional conditions may apply. |
08.21.2026 — PCCD received |
08.21.2026 -Exception satisfied |
(No Data) | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have37 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 709. Minimum score per program is 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | DTI | Satisfied | C | A | C | A | CRDDTI106 | Debt Ratio Exception >5% and <10% |
No | Lender verified 42% DTI. Clayton verified 49.13% DTI. The 1003, Final CD and LP all are missing the tax escrow. |
8/14/2026: Received updated 1008, 1003 and AUS with 49% DTI. Reserves required are verified. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have37 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 709. Minimum score per program is 680. | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Lender verified 42% DTI. Clayton verified 49.13% DTI. The 1003, Final CD and LP all are missing the tax escrow. Provide updated LP with Accept/ Eligible status with 49% DTI. |
8/14/2026: Received updated 1008, 1003 and AUS with 49% DTI. Reserves required are verified. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have37 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 709. Minimum score per program is 680. | |||||||||||||||||||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with - 2.50% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 741 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with - 2.50% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 741 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date |
No | Closing date per 6/1/26 CD is XXX. Haz Ins per Dec page is 6/26/26. Provide previous policy dec page for 6/26/2025- 6/26/2026. |
7/31/2026 Received evidence of previous hazard insurance policy to support continuous coverage. |
7/31/2026 Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have264 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
8/5/2026 Received BPO. Value supported with +1.77% variance. Value supported within tolerance. |
8/5/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have264 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/5/2026 Received BPO. Value supported with +1.77% variance. Value supported within tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have264 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 315 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance |
No | Provide HOI for the property. |
7/31/2026: Received HOI dec page. Current and sufficient coverage |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of under 53% is less than the max allowed of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 790 exceeds the min requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $155,117.74 or 73.04 months PITI. Reserves in the amount of $13,483.20 required. | |||||||||||||||||||||||||||||||||||||
| 323 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received BPO. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 74.25% is > 20.75% below guideline maximum of 95.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Median FICO > 141 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 3.06 months PITIA above guideline minimum 0.00 months PITIA. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 323 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. |
7/31/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 74.25% is > 20.75% below guideline maximum of 95.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Median FICO > 141 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 3.06 months PITIA above guideline minimum 0.00 months PITIA. | |||||||||||||||||||||||||||||||||||||
| 323 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 7/31/2026 Received BPO. Value supported with - 14.00% variance. Value not supported. Clayton to order Field Review. |
8/10/2026: Received 2055 Report not supporting value. Lender to order full appraisal. |
8/10/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 74.25% is > 20.75% below guideline maximum of 95.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Median FICO > 141 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 3.06 months PITIA above guideline minimum 0.00 months PITIA. | |||||||||||||||||||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Missing the 2 years receipt of the overtime income used for both borrowers as required per Agency Guidelines. Please provide a Written VOE documenting all YTD earnings and the earnings for the most recent two calendar years for both borrowers. |
7/31/2026 Received WVOI for both B1/B2. Overtime earnings used to qualify for both borrowers supported. |
7/31/2026 Exception satisfied. |
(No Data) | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1739: Positive mortgage payment history - Clayton Comments: 13 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 749. Minimum requirement 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | Credit | Income/ Employment |
Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines |
No | Missing the 2 years receipt of the overtime income used for both borrowers as required per Agency Guidelines. Please provide a Written VOE documenting all YTD earnings and the earnings for the most recent two calendar years for both borrowers. |
7/31/2026 Received WVOI for both B1/B2. Overtime earnings used to qualify for both borrowers supported. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1739: Positive mortgage payment history - Clayton Comments: 13 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 749. Minimum requirement 620. | |||||||||||||||||||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | C | D | A | D | C | D | A | D | C | 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. |
8/10/2026: Received BPO. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1739: Positive mortgage payment history - Clayton Comments: 13 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 749. Minimum requirement 620. | |||||||||||||||||||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
8/10/2026: Received BPO. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1739: Positive mortgage payment history - Clayton Comments: 13 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 749. Minimum requirement 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | Property Valuations |
Value | Active | C | C | C | C | PRVAVALU5249 | Property Value Not Supported |
Yes | 8/10/2026: Exception added after review of trailing docs: 8/10/2026: Received BPO not supporting value. Clayton to order 2055 Report Exterior- only. |
8/19/2026: Received 2055 Report not supporting value. Lender to order a full appraisal. |
8/19/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1739: Positive mortgage payment history - Clayton Comments: 13 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 749. Minimum requirement 620. | |||||||||||||||||||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 32.84% is lower than max DTI allowed 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 760 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 32.84% is lower than max DTI allowed 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 760 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 329 | 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: Borrower has 0x30x46 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 Median FICO > 134 points above guideline minimum of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x84 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 330 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI of 29.98% is below guideline maximum of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LITV is 56.74%; guidelines allow 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 330 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI of 29.98% is below guideline maximum of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LITV is 56.74%; guidelines allow 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | AR | 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. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 41 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.32% DTI below guideline requirement of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 Median FICO > 176 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | AR | 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. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 41 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.32% DTI below guideline requirement of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 Median FICO > 176 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 342 | XXXXXX | XXXXXX | MN | 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 | Repayment Ability |
Active | B | B | B | B | CMPSTRA1497 | File does not contain a repayment ability worksheet |
No | repayment ability worksheet missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 33 % dti below guideline max 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID5043 | TRID — CD: The Escrow Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Escrow Payment that Clayton calculates. |
No | Missing MI Cert |
8/3/26 — Lender provided MI Cert. |
8/3/26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 180 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 81.47 %; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) |
No | Provide complete Enact MI Cert. |
7/31/2026 Received MI cert. Supports expense $29.71 used to qualify. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 180 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 81.47 %; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
8/6/2026: Received BPO supporting value. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 180 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 81.47 %; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
8/6/2026: Received BPO supporting value. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 180 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 81.47 %; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @0.530% . CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 97% Current LTV 73.15% | |||||||||||||||||||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @0.530% . CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 97% Current LTV 73.15% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported |
No | 7/3/2026: Exception added after review of trailing docs: 7/21/2026: Received BPO not supporting value. Clayton to order 2055 Report Exterior- only. |
8/6/2026: Received 2055 Report supporting value. |
8/6/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @0.530% . CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 97% Current LTV 73.15% | |||||||||||||||||||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Provide fully executed Final HUD1 for sale of previous residence XXX. The copy in the file is stamped Estimated and is not signed/ dated by settlement agent. |
8/31/2026: Received fully executed Final HUD1. |
8/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.11% CLTV < max permitted of 97% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 348 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.11%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 348 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.11%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to orderBPO |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 fico score exceeds guidelines 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 14 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 40% dti below guidelines max 45% | |||||||||||||||||||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 fico score exceeds guidelines 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 14 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 40% dti below guidelines max 45% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 354 | XXXXXX | XXXXXX | MS | 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 | 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. |
7/31/2026: Received verification 7.5 par rate and $5K bonafide fee. Loan is SH. |
7/31/2026: Exception satsified. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.94% is below guideline maximum 50%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have49 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 354 | XXXXXX | XXXXXX | MS | 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 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
7/31/2026: Received verification 7.5 par rate and $5K bonafide fee. Loan is SH. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 29.94% is below guideline maximum 50%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have49 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @43.60% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 40.13% is below guideline maximum 50% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 358 | XXXXXX | XXXXXX | WI | 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 | Right of Rescission |
Satisfied | C | B | C | B | CMPROR2330 | ROR — Disbursement date is before end of statutory rescission period |
No | Disbursement date of 06/23/2026 is before end of statutory rescission period (XXX). The ROR was not signed till XXX so the rescission period changed to XXX. |
8/10/2026: Received ROR with expiration date XXX, but it was not signed/ dated by borrower. 8/13/26 — ROR Expiration date is XXX; disbursement date per Final CD in file is XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re- open of rescission- copy of shipping. 08.14.2026 — New NORTCs and proof of delivery received. |
8/10/2026: Exception remains. 8/13/26 — Exception remains. 08.14.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $85,739.74 minus funds to closing of $7,327.37 = $78,412.37. No reserve requirement. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current address CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.12% below max CLTV 97% | |||||||||||||||||||||||||||||||||||||
| 358 | XXXXXX | XXXXXX | WI | 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 |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $85,739.74 minus funds to closing of $7,327.37 = $78,412.37. No reserve requirement. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current address CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.12% below max CLTV 97% | |||||||||||||||||||||||||||||||||||||
| 358 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026: Received BPO supporting value. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $85,739.74 minus funds to closing of $7,327.37 = $78,412.37. No reserve requirement. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current address CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.12% below max CLTV 97% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | TX | 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 | Texas Home Equity |
Satisfied | C | B | C | B | CMPTXHE119 | Texas Equity — Affidavit of Fair Market Value not signed by lender |
No | Affidavit of Fair Market Value on file was not signed by a representative of the lender. |
7/31/2026: Received FMV Ack signed by lender. |
7/31/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession in 12 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is 3.4 >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession in 12 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 373 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 21% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,054.62 or 17 months reserves, $0 reserves required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
No | Missing documentation to support XXX HELOC payment is $1,263.67. Line amount is $400,000 with index of 6.5% and margin of 0.25%. If using calculated payment is $2,250 + $259.03 (taxes and insurance) = $2,509.03, then the updated DTI is 47.77%. The new DTI exceeds tolerance and requires resubmission to AUS and must retain Approve/ Eligible recommendation. |
8/12/2026: Received DU #10 with 47.10% DTI. Updated for HELOC payment and debts paid. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Compliance Manual |
Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure |
No | Missing Servicer Provider List |
08.04.2026 — SPL provided |
08.04.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA — List of homeowners counseling organizations not in file |
No | Missing List of Homeownership Counseling organizations in file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure in file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3552 | TRID — Loan Estimate not timely |
No | Application date 04/06/2026 LE date 04/22/2026 Missing initial LE |
08.04.2026 — Initial LE provided. |
08.04.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements |
No | Assets for closing submitted to AUS as “Other Liquid Asset’. Resubmit to AUS as secured borrowed funds and follow the AUS requirements. Borrower is short to close by $5,000 if only the amount paid at closing of $198,418.42 due to unverified EMD. |
8/4/2026: Received proof EMD cleared borrower account. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing documentation to support XXX HELOC payment is $1,263.67. Line amount is $400,000 with index of 6.5% and margin of 0.25%. If using calculated payment is $2,250 + $259.03 (taxes and insurance) = $2,509.03, then the updated DTI is 47.77%. The new DTI exceeds tolerance and requires resubmission to AUS and must retain Approve/ Eligible recommendation. |
8/12/2026: Received DU #10 with 47.10% DTI. Updated for HELOC payment and debts paid. |
8/12/2026: Exception satsified. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance |
No | Missing evidence of hazard insurance to verify adequate coverage. Loan file contains invoice but is missing declarations page or binder for subject property. |
8/4/2026: Received email referencing HOI attached. No doc provided.8/5/2026 Received copy of email with HOI agent confirming dwelling coverage is replacement cost value. File now includes RCE value and invoice however is still missing a copy of the hazard policy. The policy in file is not for the subject property.8/10/2026: Received HOI dec page 5/18/2026- 5/18/2027. |
8/4/2026: Exception remains.8/5/2026 Exception remains.8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. | |||||||||||||||||||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | Four auto loans were paid off prior to closing and marked as omitted. Loan to be resubmitted to AUS showing XXX, XXX, XXX and XXX are paid by closing (not omitted). |
8/12/2026: Received DU #10 with 47.10% DTI. Updated for HELOC payment and debts paid. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25+ years at current job. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
8/5/2026 Received Mavent, QM Safe Harbor status verified. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.44% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 31 years with current employer. | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. |
No | ATR/QM documentation not provided |
(No Data) | Canceled. Dupe exception. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.67% LTV < 97% guideline max CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO > 620 guideline recommended minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $86643.60 verified cash reserves > $0 required CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.57% DTI < 45% guideline cap | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
No | Finance charges under- disclosed by $2,850.50 per payment stream. Please provide Cure via refund of the amount of the under disclosure, or, if an ARM and the index is less than the lowest index during the lookback period, reduction in the margin to match the FIR disclosed; LOX; Reopen rescission if applicable; Proof of delivery. Within 60 days of discovery. |
8.3.2026 — rebuttal states E recording for $15 is a government agency fee .Even excluding that fee Finance charges are understated by $2835.50. Fees included in review calculation are: $1700 Discount, $22 Flood cert, $$1500 Origination, $1711.50 prepaid interest, $93 Tax service fee, $125 CPL, $84 Courier fee, $175 E doc fee, $25 MERS, 225 Closing, $375 Verification fee. 8.10.26 — Lender provided cure of $2835.50 for the understanded finance charges along with corrected PCCD, LOX, re- open of rescission- copy of shipping. |
8.3.2026 - Exception remains 8.10.26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.67% LTV < 97% guideline max CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO > 620 guideline recommended minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $86643.60 verified cash reserves > $0 required CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.57% DTI < 45% guideline cap |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
No | Final CD disclosed amount financed as $336,800.00 and calculated is $333949.50 for a difference of $2850.50. Please provide LOX or corrected PD with Proof of delivery. Within 60 days of discovery. |
8.3.2026 — rebuttal states E recording for $15 is a government agency fee .Even excluding that fee Finance charges are understated by $2835.50. Fees included in review calculation are: $1700 Discount, $22 Flood cert, $$1500 Origination, $1711.50 prepaid interest, $93 Tax service fee, $125 CPL, $84 Courier fee, $175 E doc fee, $25 MERS, 225 Closing, $375 Verification fee. 8.10.26 — Lender provided cure of $2835.50 for the understanded finance charges along with corrected PCCD, LOX, re- open of rescission- copy of shipping. |
8.3.2026 - Exception remains 8.10.26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.67% LTV < 97% guideline max CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO > 620 guideline recommended minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $86643.60 verified cash reserves > $0 required CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.57% DTI < 45% guideline cap | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.67% LTV < 97% guideline max CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO > 620 guideline recommended minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $86643.60 verified cash reserves > $0 required CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.57% DTI < 45% guideline cap | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide Lender QM determination. |
8/11/2026: Received SH status. |
8/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.67% LTV < 97% guideline max CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO > 620 guideline recommended minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $86643.60 verified cash reserves > $0 required CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.57% DTI < 45% guideline cap |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score 3> 2.5. Clayton to order Desk Review |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.67% LTV < 97% guideline max CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO > 620 guideline recommended minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $86643.60 verified cash reserves > $0 required CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.57% DTI < 45% guideline cap | |||||||||||||||||||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received BPO. Value supported with +43.55% variance. Value supported within tolerance. |
7/26/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +43.55% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 387 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $37,605.35 or12.09 months. No reserves required per AUS. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal revolving credit user at 5% per CR. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 score exceeds the 620 minimum required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | RI | 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: 9% consumer credit utilization in file CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 66 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 7 years and 9 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 5 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | State Consumer Protection |
Satisfied | D | A | D | A | CMPSTCP1297 | RI Home Loan — Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file |
No | RI Home Loan — Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file |
08.04.2026 — rebuttal states no required however Prohibited Acts and Practices Disclosure Regarding All Home Loans (Form 1) and Prohibited Acts and Practices Disclosure Regarding High Cost Home Loans (Form 2), must be given to all applicants of home loans and are not limited to only those loans that are high cost.The RI Admin Code states: All applicants must be provided with Disclosure Forms 1 and 2 within three (3) days of application. Verification of submission to applicant and fully executed copy of Disclosure Forms 1 and 2, provided in a bulletin issued by the Department for that purpose, must be maintained in each loan file.8/10/2026: Lender rebuttal stating RI Home Loan Disclosure was provided and RI Home Disclosure regarding HC Loans is not required. After further review, Clayton agrees. The RI Home Loans disclosures was provided as required. Further verified, this is not a hig cost loan, so the 2nd disclosure is not required. |
08.04.2026 - Exception remains8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 797 Minimum requirement 680. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $58,244.11 No reserves required per AUS. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | State Consumer Protection |
Satisfied | D | A | D | A | CMPSTCP1309 | RI Home Loan — Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file |
No | RI Home Loan — Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file |
08.04.2026 — rebuttal states no required however Prohibited Acts and Practices Disclosure Regarding All Home Loans (Form 1) and Prohibited Acts and Practices Disclosure Regarding High Cost Home Loans (Form 2), must be given to all applicants of home loans and are not limited to only those loans that are high cost.The RI Admin Code states: All applicants must be provided with Disclosure Forms 1 and 2 within three (3) days of application. Verification of submission to applicant and fully executed copy of Disclosure Forms 1 and 2, provided in a bulletin issued by the Department for that purpose, must be maintained in each loan file.8/10/2026: Lender rebuttal stating RI Home Loan Disclosure was provided and RI Home Disclosure regarding HC Loans is not required. After further review, Clayton agrees. The RI Home Loans disclosures was provided as required. Further verified, this is not a hig cost loan, so the 2nd disclosure is not required. |
08.04.2026 - Exception remains8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 797 Minimum requirement 680. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $58,244.11 No reserves required per AUS. | |||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID — CD: Missing Initial CD |
No | Missing Initial CD dated XXX per Disclosure Tracking Details on page 247 |
08.04.2026 — ICD received |
08.04.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 797 Minimum requirement 680. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $58,244.11 No reserves required per AUS. | |||||||||||||||||||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST207 | Assets Are Unreasonable |
No | AUS reflects some funds were borrower per 1003. According to 1003 for b2 $15,000 was borrowed..all funds must be accurately disclosed. Message #9 on AUS. No documentation in file of borrowed funds. If no funds borrowed AUS to be rerun without borrowed funds and declaration section to be corrected. |
8/11/2026: Received updated AUS, 1003 and 1008 — $15K removed. Loan still meets required parameters. |
8/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 797 Minimum requirement 680. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $58,244.11 No reserves required per AUS. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 391 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/ residency |
No | Provide verification the XXX provided is current and not expired. |
7/29/2026 Received copy of back of I- 551 XXX. Cards do not expire. |
7/29/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 33.33 years in business. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 391 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score. Clayton to order Desk Review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 33.33 years in business. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence | |||||||||||||||||||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | C | B | B | B | C | B | C | A | C | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Affiliate Business Disclosure missing from file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.23%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.53% is below guideline maximum 50%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | C | B | B | B | C | B | C | A | C | A | B | B | Credit | Income/ Employment |
Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File |
No | Per AUS W2 or WVOE documentation required for previous year income. Missing documentation verifying prior year income. |
8/3/2026: Received 2025 W@, income verified in line. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.23%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.53% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | C | B | B | B | C | B | C | A | C | 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. |
7/31/2026 Received BPO. Value supported with +4.76% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.23%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.53% is below guideline maximum 50%. | |||||||||||||||||||||||||||||||||||||
| 394 | XXXXXX | XXXXXX | WA | QM: Safe Harbor |
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: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 395 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 80% is less than the max allowed of 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers current credit score of 813 exceeds the min requirement of 620. | |||||||||||||||||||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: 30% DTI < max permitted of 50% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 800 mid score > min required of 680 | |||||||||||||||||||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV < max permitted of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: 30% DTI < max permitted of 50% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 800 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
No | Finance charges $477.503.95 per CD and actual calculation $478,367.19. Difference of -$863.24. Fees included in calculation: $5904 Discount, $1338.24 Extension fee, $16 Flood cert, $695 Origination, $1915.12 Prepaid interest and $695 Underwriting, $475 Settlement, $10 E recording, $50 CPL. |
08.04.2026 -Cure provided via refund. |
08.04.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.% CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in same professions for 10 years | |||||||||||||||||||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Finance Charge Tolerance |
Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
No | Amount financed per CD $383364.88 and actual calculation $382501.64. Difference of $863.24. Fees included in calculation: $5904 Discount, $1338.24 Extension fee, $16 Flood cert, $695 Origination, $1915.12 Prepaid interest and $695 Underwriting, $475 Settlement, $10 E recording, $50 CPL. |
08.04.2026 -Cure provided via refund. |
08.04.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.% CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in same professions for 10 years | |||||||||||||||||||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $277.64 Zero Percent Tolerance Violation due to increase in Transfer taxes at or prior to closing without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
08.04.2026 — COC and missing LE provided. |
08.04.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.% CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in same professions for 10 years |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 401 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score in file is over 2.5. Clayton to order desk review. |
8/11/2026: Received CDA supporting value. |
8/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $32,148.79, 8.35 months, none required CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.01%; guidelines allow 97%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 402 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.03% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 402 | XXXXXX | XXXXXX | KS | 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 | Missing CDA. CU/LCA Score in file 3.0, guideline requires 2.5 and below. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.03% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 405 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.91% DTI with a max 45% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $292,560.40 — $103,186.51 CTC — $46,000 (EMD) = $143,373.89 reserves+ $97,659.58 (60%) of retirement not needed.No reserves required per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 score exceeds the 620 minimum required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | 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: CU score is >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.43%; guidelines allow 97%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 800 mid score > min required of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years at present job | |||||||||||||||||||||||||||||||||||||
| 411 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. CU score > 2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 160 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 412 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to orderBPO |
8/10/2026: Received BPO supporting value. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.00%; guidelines allow 95%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 42.88% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 412 | XXXXXX | XXXXXX | ID | 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. |
8/10/2026: Received BPO supporting value. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.00%; guidelines allow 95%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 42.88% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 412 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration date 06/30/2026 #4917 and AUS approval 05/29/2026. PDI to be ordered by Clayton |
7/20/2026: Client acknowledged and waived due to public assistance only. |
7/20/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.00%; guidelines allow 95%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 42.88% is below guideline maximum 45%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | Preliminary title shows CCRs on property (number 3). CCRs not vetted and reviewed in file. |
8/3/2026: Received verification, not in a PUD. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 17.40% is lower than max DTI allowed 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $143,875.37 or 19.28 months PITIA. Required PITIA reserves are $0 per AUS. CFCFS5269: Minimal use of credit - Clayton Comments: Current credit line usage is 1.223%. B1 does not carry high balances. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, Borrower has been with current employer since 3/30/20. | |||||||||||||||||||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA — List of homeowners counseling organizations not in file |
No | Missing HCO not in the file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 fico score exceeds guidelines 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 4 years at current jov CFCFS1744: DTI below guideline requirement - Clayton Comments: 19% DTI below guideline max DTI 45% | |||||||||||||||||||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 fico score exceeds guidelines 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 4 years at current jov CFCFS1744: DTI below guideline requirement - Clayton Comments: 19% DTI below guideline max DTI 45% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | PA | 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. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 fico score exceeds guidelines 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 4 years at current jov CFCFS1744: DTI below guideline requirement - Clayton Comments: 19% DTI below guideline max DTI 45% | |||||||||||||||||||||||||||||||||||||
| 417 | 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. LCA Score > 2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have256 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 418 | 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 deskreview. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
8/10/2026: Received SH status. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below the guideline maximum of 90%. | |||||||||||||||||||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 4.0. Clayton to order Desk Review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below the guideline maximum of 90%. | |||||||||||||||||||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
8/10/2026: Received BPO supporting value. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.34%; guidelines allow 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/10/2026: Received BPO supporting value. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.34%; guidelines allow 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations |
FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) |
No | FEMA Declaration date XXX and AUS approval XXX. PDI to be ordered by Clayton. |
7/22/2026: Client acknowledged and waived due to public assistance only. |
7/22/2026: Waived non- material. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.34%; guidelines allow 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 424 | 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 | CU Score in file 3.5. Clayton to order Desk Review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 24 +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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 428 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | B | B | A | A | B | A | A | A | B | A | A | A | Property Valuations |
Appraisal | Satisfied | B | B | B | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received desk review. Value supported with - 7.98% variance. Value supported within tolerance. |
7/31/2026 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: LTV is 64.29%; guidelines allow 97%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 27+ years at present job | |||||||||||||||||||||||||||||||||||||
| 429 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: 35 years at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 28 years at current job | |||||||||||||||||||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | A | A | A | C | C | C | C | C | A | A | A | C | C | Compliance | Finance Charge Tolerance |
Active | C | C | C | C | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
Yes | Finance charge understated by more than $100. Finance Charge Difference — TRID: - 125.00 (Title-Sub- Escrow fee). Please provide Post Closing Disclosure. |
08.03.2026 - Compliance testing provided excluding Title Sub Escrow fee however we hold our stance that a Title Sub Escrow fee should be included in the finance charge calculation due to being a service/ closing related fee by settlement agent or title company to process loan funds. Cure via refund of the amount of the under disclosure ($125) LOX; Reopen rescission if applicable; Proof of delivery. Within 60 days of discovery. |
08.03.2026 -Exception remains |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job since 02/20/2020. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 810. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | A | A | A | C | C | C | C | C | A | A | A | C | C | Compliance | Finance Charge Tolerance |
Active | C | C | C | C | CMPFINT4372 | TILA/TRID- Disclosed Amount Financed is higher than Clayton’s calculated Amount Financed |
Yes | The Final CD 6/4/2026 Loan Calculations, Field: Amount Financed, Value: 599441.78 and Amount Financed as Calculated, Value: 599316.78 a difference of $125 |
08.03.2026 - Compliance testing provided excluding Title Sub Escrow fee however we hold our stance that a Title Sub Escrow fee should be included in the finance charge calculation due to being a service/ closing related fee by settlement agent or title company to process loan funds. Cure via refund of the amount of the under disclosure ($125) LOX; Reopen rescission if applicable; Proof of delivery. Within 60 days of discovery. |
08.03.2026 -Exception remains |
Numeric | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job since 02/20/2020. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 810. | |||||||||||||||||||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | A | A | A | C | C | C | C | C | A | A | A | C | C | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
8/3/2026: Received SH status. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job since 02/20/2020. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 810. | |||||||||||||||||||||||||||||||||||||
| 433 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | 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 | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD |
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: Borrowers have been in same professions for 10 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.33% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 433 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID — CD: Loan consummated before end of waiting period |
No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of XXX. |
8/10/26 — Lender provided initial CD dated XXX. |
8/10/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in same professions for 10 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.33% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 433 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID — CD: Missing Initial CD |
No | Missing Initial CD |
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: Borrowers have been in same professions for 10 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.33% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | C | B | C | B | A | A | C | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID5741 | TRID — CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null |
No | The final CD 05/20/2026 is incorrect In the Projected Payments section they list $0.00 Estimated Escrow payment. In the Estimated Taxes, Insurance Section they list $2,432.72 and state that Property Taxes and HomeOwners Ins will be escrowed (yes)The Loan Disclosure Section also states that borrower will have escrow account and Escrow property costs over 1 year = $8,818.92 Cure: client permission, LOX and redisclosed CD within 60 days of discovery |
8/28/26 — Lender provided a LOX and a PCCD advising that there was an error on the CD stating there are no impounds. The PCCD has been updated to the correct information. |
8/28/26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 48.23%/maximum 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 802/minimum 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80.00%/maximum 90% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required reserves are $0.00, post close remaining reserves are $388,618.27 or 56.64 months PITI |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | C | B | C | B | A | A | C | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID5982 | TRID — CD: In the Loan Disclosures Section the Monthly Escrow Payment is inconsistent with the Escrowed Property Costs in Year 1 (SFIG 3.0) |
No | The final CD XXX is incorrect In the Projected Payments section they list $0.00 Estimated Escrow payment. In the Estimated Taxes, Insurance Section they list $2,432.72 and state that Property Taxes and HomeOwners Ins will be escrowed (yes)The Loan Disclosure Section also states that borrower will have escrow account and Escrow property costs over 1 year = $8,818.92 Cure: client permission, LOX and redisclosed CD within 60 days of discovery |
8/28/26 — Lender provided a LOX and a PCCD advising that there was an error on the CD stating there are no impounds. The PCCD has been updated to the correct information. |
8/28/26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 48.23%/maximum 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 802/minimum 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80.00%/maximum 90% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required reserves are $0.00, post close remaining reserves are $388,618.27 or 56.64 months PITI | |||||||||||||||||||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | C | B | C | B | A | A | C | 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 |
8/5/2026 Received BPO. Value supported with +5.29% variance. Value supported within tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 48.23%/maximum 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 802/minimum 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80.00%/maximum 90% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required reserves are $0.00, post close remaining reserves are $388,618.27 or 56.64 months PITI | |||||||||||||||||||||||||||||||||||||
| 442 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.15%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 199 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 445 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $250,314.32 or 58.08 months of P&I . Required reserves per AUS are $0. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/31/2026 Received lender’s QM Determination of QM: Safe Harbor (APOR). |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 39%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the guideline maximum of 97%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 credit score exceeds guidelines. | |||||||||||||||||||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +13.77% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 39%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the guideline maximum of 97%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 credit score exceeds guidelines. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +13.77% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 39%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the guideline maximum of 97%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 credit score exceeds guidelines. | |||||||||||||||||||||||||||||||||||||
| 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7.46% CFCFS2860: Good credit history - Clayton Comments: Borrower score is 800. Minimum score per program is 680. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | WA | 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 from file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 53.92 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 22.61% > 27.39 points below guideline maximum of 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 Median FICO > 172 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | WA | 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. |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 53.92 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 22.61% > 27.39 points below guideline maximum of 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 Median FICO > 172 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 53.92 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 22.61% > 27.39 points below guideline maximum of 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 Median FICO > 172 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score not established. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 56.25% max CLTV 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 756 exceeds minimum fico of 620 CFCFS2860: Good credit history - Clayton Comments: Excellent payment history, Excellent fico score, no major derogs |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure/ FACTS Sheet is missing from file. Please provide. |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence 11 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work 12 years and 10 months. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 15.05%. | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | CA | 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 | Provide Affiliated Business Disclosure |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $122,867.99 / 16.71 months PITIA > min required of $44,125.34. | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | 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 fail for $14100.00. Discount points were added to CD 5/21/26 and final CD 6/1/26. No documentation provided disclosing addition of discount points. Please provide documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
08.3.2026 — Missing COC and CD provided. |
08.03.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $122,867.99 / 16.71 months PITIA > min required of $44,125.34. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score not established. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $122,867.99 / 16.71 months PITIA > min required of $44,125.34. | |||||||||||||||||||||||||||||||||||||
| 460 | 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 score > 2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $157,010.02 or 34.826 months PITIA. Required PITIA reserves are $0 per AUS. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 26.59% is lower than max DTI allowed 45%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Bonus income noted on WVOE not needed to qualify. 3 years history noted. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 815 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property |
No | Missing HUD-1 from sale of XXX property; only received preliminary. |
8/4/2026: Received seller signed Seller CD. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 13 years and 9 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | ID | 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 | LCA score is N/A >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 13 years and 9 months. | |||||||||||||||||||||||||||||||||||||
| 464 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.77% is below guideline maximum 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $149,210.95 or 25.74 months of P&I CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @5.20% | |||||||||||||||||||||||||||||||||||||
| 464 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA or CU score is > 2.5; Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.77% is below guideline maximum 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $149,210.95 or 25.74 months of P&I CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @5.20% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 468 | 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 | CMPRESPA2698 | RESPA — List of homeowners counseling organizations not in file |
No | Loan file is missing List of Homeowners Counseling Organizations Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 76 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. 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. | |||||||||||||||||||||||||||||||||||||
| 468 | 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 | Loan file is missing Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 76 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. 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. | |||||||||||||||||||||||||||||||||||||
| 468 | 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 | Missing Updated Valuation: LCA (or CU) score is >2.5. Clayton to order desk review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 76 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. 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. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 470 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Lender did not provide an ATR/QM status determination. |
8/5/2026 Received lender QM status. Validated as QM Safe Harbor. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI of 29.06% is below guideline maximum of 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 26.22% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mis score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 470 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received BPO. Value supported with +6.11% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI of 29.06% is below guideline maximum of 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 26.22% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mis score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 470 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with - 8.20% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower’s DTI of 29.06% is below guideline maximum of 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 26.22% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mis score > min required of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3966 | TRID — CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected |
No | Final CD is marked as Will Not Have an Escrow but reason is not indicated. Please issue corrected CD for Non- numeric clerical error cure: LOX and post- consummation CD within 60 days of consummation. 130(b) or (c) cure available thereafter with client consent within 60 days of discovery. |
08.03.2026 — LOX and corrected CD provided. |
08.03.2026 -Exception satisfied |
Non-Numeric | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score established. Clayton to order desk review. |
8/26/2026: Received CDA supporting value. |
8/26/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years, 1 months with current employer. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 16.34% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 486 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
8/6/2026: Received BPO supporting value. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has significant time in profession of 19 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has significant time at current residence of 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.71% | |||||||||||||||||||||||||||||||||||||
| 486 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/6/2026: Received BPO supporting value. |
8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has significant time in profession of 19 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has significant time at current residence of 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.71% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | 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 declared QM Safe Harbor (APOR) from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $23,894.40, max allowed is $17,644.60; $6,249.80 too high). |
8.3.2026 — Undiscounted rate provided |
8.3.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | 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 declared QM Safe Harbor (APOR) from lender/ client; Clayton status is NONQM due to fees too high (adjusted charges are $23,894.40, max allowed is $17,644.60; $6,249.80 too high). |
8.3.2026 — Undiscounted rate provided |
8.3.2026 - Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing third party valuation to support appraised value. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 492 | 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 |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $$804,883.02 or 91.42 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 26.68% is below guideline maximum 50% CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @1.86% | |||||||||||||||||||||||||||||||||||||
| 496 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Lender did not provide an ATR/QM status determination. |
8/5/2026 Lender QM status of Safe Harbor provided. |
8/5/2026 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: 789 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $98,758.87 or 18 months reserves, $0 reserves required. | |||||||||||||||||||||||||||||||||||||
| 496 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 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: 789 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $98,758.87 or 18 months reserves, $0 reserves required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 496 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 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: 789 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $98,758.87 or 18 months reserves, $0 reserves required. | |||||||||||||||||||||||||||||||||||||
| 497 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | 1) 2025 1040 tax return shows ownership of property located at XXX/XXX. Provide evidence of disposal of property or document the PITIA to include in DTI. If XXX/XXX is one and the same as XXX/ XXX provide evidence to support it is the same property. 2) Per borrower’s email, there is an XXX acre property described as XXX that is missing from REO schedule. Provide documentation to verify PITIA to include in DTI. Loan must be resubmitted to AUS and retain approve/ eligible recommendation if required. |
8/7/2026: Received verification XXX/XXX is the correct address, Final 1003 updated. Also received taxes for 11 acres $1,302.30 annual = $108.53/mo. |
8/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.308%. CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $65,347.94/14.58 months PITIA > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| 497 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | 1) 2025 1040 tax return shows ownership of property located at XXX/ XXX. Provide evidence of disposal of property or document the PITIA to include in DTI. If XXX/XXX is one and the same as XXX/ XXX provide evidence to support it is the same property. 2) Per borrower’s email, there is an XXX acre property described as XXX that is missing from REO schedule. Provide documentation to verify PITIA to include in DTI. Loan must be resubmitted to AUS and retain approve/ eligible recommendation if required. |
8/7/2026: Received verification XXX/XXX is the correct address, Final 1003 updated. Also received taxes for 11 acres $1,302.30 annual = $108.53/mo. |
8/7/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.308%. CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $65,347.94/14.58 months PITIA > min required of $0.00. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 498 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | D | A | D | A | CMPATRQM3220 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; the loan file is missing documents to complete the ATR/ QM review and render an accurate ATR/QM status. |
No | Please provide an explanation and supporting documentation for the undisclosed monthly debt of $501.87 identified under “Other” on the underwriting worksheet. |
8/4/2026: Lender LOX — The Other is the tax estimate since subject is a new construction. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.72%; guidelines allow 97%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.17% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 294 months. | |||||||||||||||||||||||||||||||||||||
| 498 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Loan file is missing Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.72%; guidelines allow 97%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.17% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 294 months. | |||||||||||||||||||||||||||||||||||||
| 498 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Please provide an explanation and supporting documentation for the undisclosed monthly debt of $501.87 identified under “Other” on the underwriting worksheet. |
8/4/2026: Lender LOX — The Other is the tax estimate since subject is a new construction. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.72%; guidelines allow 97%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.17% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 294 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 498 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score 999.0. Clayton to order a desk review. |
8/12/2026: Received CDA supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.72%; guidelines allow 97%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.17% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 294 months. | |||||||||||||||||||||||||||||||||||||
| 499 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | 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 |
8/5/2026 Received copy of email from XXX confirming HELOC closed and satisfaction filed. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have173 months mortgage payment history 0x30. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 19 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor |
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 | Client status is not provided; Clayton status is Non QM is fees too high ( adjusted charged are $18,580.00, max allowed is $14,624.64, $3,955.36 too high |
08.12.2026 — Mavent provided |
08.12.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $166,257.19 or 47.00 months. No reserves required per AUS. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.50% LTV below guideline requirements of 95% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Median FICO > 141 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor |
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 | A | A | A | A | CMPTRID5107 | TRID — Seller CD not in file; need in order to complete fee entry |
No | Seller CD is required on Purchase, borrower is paying off fees, No Real Estate (B) or (S) on final CDException Satisfy |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $166,257.19 or 47.00 months. No reserves required per AUS. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.50% LTV below guideline requirements of 95% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Median FICO > 141 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Missing the lender’s ATR/ QM Status. |
08.12.2026 — Mavent provided |
08.12.2026 -Exception satisfied |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $166,257.19 or 47.00 months. No reserves required per AUS. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.50% LTV below guideline requirements of 95% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Median FICO > 141 points above guideline minimum of 620 | |||||||||||||||||||||||||||||||||||||
| 501 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure. |
(No Data) | (No Data) | (No Data) | Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.15%; guidelines allow 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 501 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Missing the lender’s ATR/ QM status determination. |
8/18/2026: Received SH status. |
8/18/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.15%; guidelines allow 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 23% | |||||||||||||||||||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | NV | 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 | 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 | $117 Zero Percent Tolerance Violation due to increase in Credit Report fee from $400 to $517 on Final CD XXX, without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
08.06.2026 -CIC provided |
08.06.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CO-borrower has been on job for 6 years 7 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | NV | 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 | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits |
No | Unverified funds wired to escrow without sourcing two large deposits for $18,000.00 each 4/23 and 4/27/2026 pg. 249. Closing Disclosure shows borrower deposited $102,892.92 into escrow with a refund of $48,749.77. AUS shows $66,906.27 verified. Funds refunded is greater than the $36,000.00 of unsourced funds. |
8/13/2026: Lender backed out deposits. $5,263.12 reserves verified, $0 required. Added the deduction as a general entry in Asset Wizard. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CO-borrower has been on job for 6 years 7 months. | |||||||||||||||||||||||||||||||||||||
| 505 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at primary residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | 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: 794 Mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75.83%; guidelines allow 95% CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.59% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 511 | 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 | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession 16 years. Co-borrower has been in the same profession 12 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers been at current residence 7 years and 10 months. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 27.14%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 513 | 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: CU/LCA score >2.5 Clayton to order desk review |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 772 is above guideline minimum of 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $65,338.10 or 7.51 months PITI. Required PITI reserves are 3 x $8,698.29 = $26,094.87 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 72.41% is below guideline maximum of 89.99% | |||||||||||||||||||||||||||||||||||||
| 514 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +0.6329% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 Median FICO > 157 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 35.06 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 59.49% is > 20.51% below guideline maximum of 80.00% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 514 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +0.6329% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 Median FICO > 157 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 35.06 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 59.49% is > 20.51% below guideline maximum of 80.00% | |||||||||||||||||||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID4993 | TRID CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates. |
No | The CD dated XXX was prepared based on the initial PMI certificate with a higher monthly escrow payment. The Post Closing CD is based on a revised PMI certificate. Thus, the revisions made to Focus based on the revised PMI certificate, will not match the CD dated XXX. Corrected on PCCD. Exception satisfied. |
8/3/26 — Corrected on PCCD. |
8/3/26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.78 back end ratio. Max 45% with AUS approval. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $49,544.91 post closing reserves. $0 required. | |||||||||||||||||||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | B | B | B | CMPTRID5037 | TRID — CD: The Mortgage Insurance Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Mortgage Insurance Payment that Clayton calculates. |
No | The CD dated XXX was prepared based on the initial PMI certificate with a higher monthly escrow payment. The Post Closing CD is based on a revised PMI certificate. Thus, the revisions made to Focus based on the revised PMI certificate, will not match the CD dated XXX. Corrected on PCCD. Exception satisfied. |
8/3/26 — Corrected on PCCD. |
8/3/26 — Exception satisfied. |
Numeric | Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.78 back end ratio. Max 45% with AUS approval. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $49,544.91 post closing reserves. $0 required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | 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 | $153.78 Zero Percent Tolerance Violation due to increase in Credit report from $305 to $328.88 and VOE for $129.90 added at o or priot to closing without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
8/3/26 — Lender provided COC showing increase in fees. |
8/3/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.78 back end ratio. Max 45% with AUS approval. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $49,544.91 post closing reserves. $0 required. | |||||||||||||||||||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
7/31/2026 Received lender QM Status. File determined by lender as QM: Safe Harbor (APOR). |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.78 back end ratio. Max 45% with AUS approval. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $49,544.91 post closing reserves. $0 required. | |||||||||||||||||||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | 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. |
7/31/2026 Received BPO. Value supported with +0.22% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.78 back end ratio. Max 45% with AUS approval. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $49,544.91 post closing reserves. $0 required. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | B | C | B | D | B | C | 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. |
7/31/2026 Received BPO. Value supported with +0.22% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.78 back end ratio. Max 45% with AUS approval. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $49,544.91 post closing reserves. $0 required. | |||||||||||||||||||||||||||||||||||||
| 519 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation CU score greater than 2.5 @ 3.2. Clayton to order Desk Review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.26%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 524 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 42.16% is below guideline maximum 50%. CFCFS1736: Significant time at current residence - Clayton Comments: 14+ 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 524 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is > 2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 42.16% is below guideline maximum 50%. CFCFS1736: Significant time at current residence - Clayton Comments: 14+ years at primary residence. | |||||||||||||||||||||||||||||||||||||
| 528 | XXXXXX | XXXXXX | SC | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 791 exceeds the minimum requirement by more than 50 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained an overall great credit history. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower have maintained a lifetime 0 x 30 mortgage payment history. | |||||||||||||||||||||||||||||||||||||
| 528 | XXXXXX | XXXXXX | SC | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | State Consumer Protection |
Active | B | B | B | B | CMPSTCP1159 | SC Home Loans — Designated Agency Disclosure not in file |
No | Missing SC Home Loans Designated Agency Disclosure not in file |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 791 exceeds the minimum requirement by more than 50 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has maintained an overall great credit history. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower have 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 529 | XXXXXX | XXXXXX | NV | 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 from file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer more than 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $64,979.72=27.61 months PITIA. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 760. Minimum requirement 620. | |||||||||||||||||||||||||||||||||||||
| 529 | XXXXXX | XXXXXX | NV | 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. |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer more than 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $64,979.72=27.61 months PITIA. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 760. Minimum requirement 620. | |||||||||||||||||||||||||||||||||||||
| 529 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer more than 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $64,979.72=27.61 months PITIA. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 760. Minimum requirement 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 530 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Missing the lender’s ATR/ QM status. |
8/5/2026 Received a Mavent however the document provided is not for subject loan.8/6/2026: Received Compliance Ease, Safe Harbor. |
8/5/2026 Exception remains.8/6/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same of line of work 10 years. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 0.21%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets is $47,222.26 or 8.39 months PITI. No reserves required per AUS. | |||||||||||||||||||||||||||||||||||||
| 531 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: The borrower has fully documented Bonus income from the qualifying employer. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 155 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $239,566.24/ 46.60 months PITIA > min required of $0.00. | |||||||||||||||||||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Fannie Mae CU score is >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 Median FICO > 176 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 7.22 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI is 28.81% > 21.19 points below guideline maximum of 50.00%. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 533 | 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 N/A >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with -3.01% variance. Value supported within tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $147,138.24 / 52.71 months of P&I > min required of $0. | |||||||||||||||||||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 0x30x47 months exceeds the required 0x30x12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below the maximum allowable of 95%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 23.73 months exceeds the required 0 months reserves. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | ABA missing |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 2/10/2017. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $17,940.48 or 10.764 months PITIA. Required PITIA reserves are $0 per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 795 exceeds required FICO of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage |
No | UCC financing noted for Solar Panels on Sch B I, number 16, not obtained. CCRs noted on Sch B II, number 10 not validated. |
8/3/2026: Received verification, not a PUD and per sales contract #4A, the solar panels stay with borrowers and there is a $0 balance. The UCC Filing is not a lien. |
8/3/2026: 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 2/10/2017. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $17,940.48 or 10.764 months PITIA. Required PITIA reserves are $0 per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 795 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score > 2.5. Clayton to order desk review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: 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 2/10/2017. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $17,940.48 or 10.764 months PITIA. Required PITIA reserves are $0 per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 795 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID — Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | $145 Zero Percent Tolerance Violation due to increase in Transfer taxes from $460 to $575 and $30 Insurance Service fee added at or prior to closing without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
8/11/26 — Lender provided corrected PCCD, copy of refund check for $145, LOX and verification of shipping. |
8/11/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 50% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Midscore; minimum 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 Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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 | $36.30 Ten Percent Tolerance Violation due to increase in Recording fees at or prior to closing without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. |
8/11/26 — Lender provided corrected PCCD, copy of refund check for $36.30, LOX and verification of shipping. |
8/11/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 50% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Midscore; minimum 640 | |||||||||||||||||||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Provide lender QM determination. |
8/11/2026: Received SH status. |
8/11/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 50% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Midscore; minimum 640 | |||||||||||||||||||||||||||||||||||||
| 540 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure in file. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.53%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 540 | XXXXXX | XXXXXX | PA | 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 |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.53%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% | |||||||||||||||||||||||||||||||||||||
| 541 | 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 | 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 797 exceeds minimum credit score by more than 50 points. CFCFS2860: Good credit history - Clayton Comments: Borrowers have maintained a positive credit history with no overall delinquency | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.345%; guidelines allow 97%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 543 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
8/5/2026 Received BPO. Value supported with - 7.51% variance. Value supported within tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 809 exceeds required FICO of 620. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Mortgage PI payments decrease from $3,105.03to $2,991.54. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV of 69.86% is less than max allowed 80%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Per 2024-2025 tax returns and 2020 divorce decree, borrower’s alimony is post-tax/non-taxable. The monthly income could be grossed up 125%. $500 more income per month. | |||||||||||||||||||||||||||||||||||||
| 544 | 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 (or CU) score is >2.5. Clayton to order desk review |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 820 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.67%; guidelines allow 95%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.22% | |||||||||||||||||||||||||||||||||||||
| 547 | 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 greater than 2.5. Clayton to order Desk Review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 credit score exceeds 640 program minimum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 700 months of reserve PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.87% DTI is well below the program 50% maximum. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 549 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on all mortgages reporting to credit since inception of each loan CFCFS2860: Good credit history - Clayton Comments: 0 late pays, credit utilization at 35.793% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Required Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 27.80% is below the guideline maximum of 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 0.98%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 9 years. | |||||||||||||||||||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +6.11% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 27.80% is below the guideline maximum of 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 0.98%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 9 years. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +6.11% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 27.80% is below the guideline maximum of 45%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 0.98%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 9 years. | |||||||||||||||||||||||||||||||||||||
| 554 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed “Subject To” w/o Completion Cert in File |
No | Missing Completion Certificate (1004D) |
8/26/2026: Received 1004D. 100% complete. |
8/26/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 33 years at primary residence CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 554 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing third party valuation to support appraised value. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: 33 years at primary residence CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.18% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 36.39% is below guideline maximum 45%. | |||||||||||||||||||||||||||||||||||||
| 556 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing the most recent bank statement or retirement account statement for XXX account ending in XXX, XXX account ending in XXX, and XXX account ending in XXX. These statements are needed to verify assets available for closing. |
8/13/2026: Received VOD for all accounts. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x40 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 80.00% is > 15.00% below guideline maximum of 95.00% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 | |||||||||||||||||||||||||||||||||||||
| 558 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.24%; guidelines allow 97%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order Desk Review. |
8/3/2026: Received CDA supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 fico score exceeds 620 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: 35 % dit below guideline max DTI 45% | |||||||||||||||||||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing Seller’s CD or settlement statement from sale of departing residence XXX |
8/4/2026: Received Seller CD. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 14.31% is below guideline maximum 45%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 26 years. | |||||||||||||||||||||||||||||||||||||
| 563 | XXXXXX | XXXXXX | NC | 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 | CMPTRID3961 | TRID — CD: The amount of the periodic escrow payment in the Projected Payments section does not equal the periodic escrow payment disclosed in the Loan Disclosures section |
Yes | Final CD XXX reflects escrows in projected payments and Loan disclosures indicates escrows but no values completed. |
(No Data) | (No Data) | Numeric | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 7 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 173 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 8 years at present job | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 563 | XXXXXX | XXXXXX | NC | 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 | CMPTRID5741 | TRID — CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null |
Yes | Final CD XXX reflects escrows in projected payments and Loan disclosures indicates escrows but no values completed. |
(No Data) |
(No Data) | Numeric | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 7 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 173 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 8 years at present job | |||||||||||||||||||||||||||||||||||||
| 565 | 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 | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 30 in 61 months. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 38%. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 566 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 8 years at Primary residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 9 years, 9 months with current employer. | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | CA | QM: Safe Harbor |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA>2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $137,778.29=22.65months PITIA CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates 67 months reviewed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 801. Minimum requirement 620. | |||||||||||||||||||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit- Minimal usage of available revolving credit lines @ 12.33% CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in same professions for 35.87 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO. |
8/13/2026: Received BPO supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 136 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $30,754.06 / 17.19 months PITIA > min required of $0.00. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.14% is below guideline maximum 45%+. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 52.50%; guidelines allow 80%+. | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved, Clayton to order BPO. |
8/13/2026: Received BPO supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 136 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $30,754.06 / 17.19 months PITIA > min required of $0.00. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 30.14% is below guideline maximum 45%+. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 52.50%; guidelines allow 80%+. | |||||||||||||||||||||||||||||||||||||
| 574 | 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: 24.55%/24.84% DTI. Max 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves $88,814.16. $0 required. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 575 | XXXXXX | XXXXXX | MS | 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: 776 Median FICO > 156 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 4.45 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 576 | 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: 783 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 61.21%; guidelines allow 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.76% is below guideline maximum 45%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 580 | 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/CU score >2.5. Clayton to order Desk Review. |
8/4/2026: Received CDA supporting value. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 fico score exceeds guidelines 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 30% dti max DTI 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $$33,876.46 or 6.91months of P&I | |||||||||||||||||||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | 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 | $1963.30 Ten Percent Tolerance Violation due to increase in Title Examination free from $0 to $350, Lenders title insurance from $2307.80 to $4419 on Final CD XXX without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. Fees are listed in section B and borrower did not shop and are subject to 10% tolerance. |
8/10/26 — Lender provided tolerance cure in the amount of $1963.30 along with corrected PCCD, copy of refund check, LOX and verification of shipping. |
8/10/26 — Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 31 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,352,467.08. Required reserves $0. | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 584 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $57,529.26 or 10.76 months of PITI > Required PITI Reserves are $8,560.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 mid score > min required of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.24%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 585 | 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 orderBPO |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.93% LTV below guideline requirements of 95% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.62% dti max DTI 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $333,272.92 or 95.53 months of PITI. No reserves required per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 585 | 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. |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.93% LTV below guideline requirements of 95% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.62% dti max DTI 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $333,272.92 or 95.53 months of PITI. No reserves required per AUS. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 588 | 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 >2.5. Clayton to order desk review. |
8/12/2026: Received CDA supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 16.75% is below the maximum 50% DTI ratio. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below guideline maximum of 95%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 1.54%. | |||||||||||||||||||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been with same employer since 2007. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 credit score exceeds program minimum of 640. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.90% is well below the program maximum of 50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 13 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) |
No | Missing the fully executed Purchase agreement addendum, Amendment or Counter offer confirming the updated purchase price from $XXX to the final Purchase price of $XXX as reflected on the AUS and corresponding loan documents. |
8/4/2026: Received contract addendum: XXX closing, $XXX sales price. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $74,125.63 / 32.17 months PITIA > min required of $0.00. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.31% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at present job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10 years at present job CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.43%; guidelines allow 80%+. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | MO | 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. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $74,125.63 / 32.17 months PITIA > min required of $0.00. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 13.31% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at present job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10 years at present job CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.43%; guidelines allow 80%+. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 601 | 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 (or CU) score is >2.5. Clayton to order deskreview. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 fico score exceeds guidelines 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 22% dti is below max dti 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 42 years at current job | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 603 | XXXXXX | XXXXXX | 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 | Missing Updated Valuation: LCA score is N/A >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 7 years. | |||||||||||||||||||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is returned no results. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 607 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score established. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.0% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 608 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the required Affiliate Business Disclosure |
(No Data) |
(No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 Median FICO > 156 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 23.69 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 53.00% is > 27.00% below guideline maximum of 80.00% | |||||||||||||||||||||||||||||||||||||
| 608 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Fannie Mae CU score is >2.5. Clayton to order desk review. |
8/5/2026 Received desk review. Value supported with 0% tolerance. |
8/5/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 Median FICO > 156 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 23.69 months PITIA above guideline minimum 0.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 53.00% is > 27.00% below guideline maximum of 80.00% | |||||||||||||||||||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close |
No | Missing source of funds for the EMD of $50,000 as the assets in file doe not reflect the EMD clearing the account resulting in a shortage of funds of - $14,415.66. |
8/4/2026: Received docs to verify EMD. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.58%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | Missing documentation supporting the 2 large deposits to the XXX account ending #XXX for $15,000 on XXX and XXX for $43,000. |
8/4/2026: Received XXX stmnt showing source of funds for both deposit transfers. |
8/4/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16+ years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.58%; guidelines allow 95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2704 | RESPA — List of homeowners counseling organizations not compliant |
No | Notice of HUD approved Homeowners Counseling list cover sheet provided to borrower but missing the 10 Counseling Organizations. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.81% is below guideline maximum 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.84%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CRDATRQM3124 | TILA — Loan subject to Ability to Repay/ Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. |
No | Missing the lender’s ATR/ AM status determination |
8/10/2026: Received SH status. |
8/10/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 35.81% is below guideline maximum 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.84%; guidelines allow 95%. | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 622 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations |
FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) |
No | No inspection for FEMA disaster #XXX declared XXX. Clayton to order PDI report. |
8/26/2026: Received clear PDI report dated 8/24/2026. |
8/26/2026: 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: 797 mid score > min required of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.72%; guidelines allow 97%. | |||||||||||||||||||||||||||||||||||||
| 623 | XXXXXX | XXXXXX | DC | 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: 47% DTI < max permitted of 50% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession- Borrowers have been in same professions for 10 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit- Minimal usage of available revolving credit lines @ 12.33% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 625 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 626 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received BPO. Value supported with +0.32% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.08% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 180 months. | |||||||||||||||||||||||||||||||||||||
| 626 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with +0.32% variance. Value supported within tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.08% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 180 months. | |||||||||||||||||||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is approved PIW. Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession- Borrowers have been in same professions for 10 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit- Minimal usage of available revolving credit lines @ 8% | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
8/3/2026: Received BPO supporting value. |
8/3/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession- Borrowers have been in same professions for 10 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit- Minimal usage of available revolving credit lines @ 8% | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | APR Tolerance |
Active | C | C | C | C | CMPAPRT100 | APR — Regular pmt loan; underdisclosed APR > 0.125% |
Yes | Issue is the the borrower is not paying the full buyodwn and the borrower per the buydown agreement, is still responsible for paying the full payment if the buydown funds are not available, they should have disclosed the full payment in Projected Payments. Please provide corrected CD with projected payments section reflecting full payments and the resulting finance charge/ TOP/APR for further review. Additional documents may be required. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | Finance Charge Tolerance |
Active | C | C | C | C | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) |
Yes | Issue is the the borrower is not paying the full buyodwn and the borrower per the buydown agreement, is still responsible for paying the full payment if the buydown funds are not available, they should have disclosed the full payment in Projected Payments. Please provide corrected CD with projected payments section reflecting full payments and the resulting finance charge/ TOP/APR for further review. Additional documents may be required. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3658 | TRID — Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance |
Yes | Issue is the the borrower is not paying the full buyodwn and the borrower per the buydown agreement, is still responsible for paying the full payment if the buydown funds are not available, they should have disclosed the full payment in Projected Payments. Please provide corrected CD with projected payments section reflecting full payments and the resulting finance charge/ TOP/APR for further review. Additional documents may be required. |
(No Data) |
(No Data) |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3939 | TRID — CD: The Yes/No answer to whether the Interest Rate can increase in the CD Loan Terms section is inconsistent with the Product listed in the CD Loan Information section |
Yes | Loan is a step/fixed rate due to 3 yr buydown. Final CD XXX shows loan product as fixed rate. |
(No Data) |
(No Data) |
Non-Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3946 | TRID — CD: The Yes/No answer to whether the P&I can increase in the CD Loan Terms section does not match the Product or Additional Product Feature indicated in the CD Loan Information section |
Yes | Loan is a step/fixed rate due to 3 yr buydown. CD’s 6/8/26 and 6/15/26 shows loan product as fixed rate and does not show the additional product feature of step rate. |
(No Data) |
(No Data) |
Non-Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | 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 |
Yes | Issue is the the borrower is not paying the full buyodwn and the borrower per the buydown agreement, is still responsible for paying the full payment if the buydown funds are not available, they should have disclosed the full payment in Projected Payments. Please provide corrected CD with projected payments section reflecting full payments and the resulting finance charge/ TOP/APR for further review. Additional documents may be required. |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID4993 | TRID CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates. |
Yes | The fixed payment in payment bands 1 through 3 should have been disclosed as the full payment of $2924.39 due to the borrower is not paying the full buyodwn and the borrower per the buydown agreement, is still responsible for paying the full payment if the buydown funds are not available, they should have disclosed the full payment in Projected Payments. |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID5035 | TRID — CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that Clayton calculates. |
Yes | The fixed payment in payment bands 1 through 3 should have been disclosed as the full payment of $2924.39 due to the borrower is not paying the full buyodwn and the borrower per the buydown agreement, is still responsible for paying the full payment if the buydown funds are not available, they should have disclosed the full payment in Projected Payments. |
(No Data) |
(No Data) |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| pDeal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code | Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response Comments |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/ AW |
No | Loan is PIW approved, Clayton to order BPO |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
7/31/2026 Received BPO. Value supported with 0% tolerance. |
7/31/2026 Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $37,036.04 or 8.96 months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments: 39% DTI max DTI 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF8_J17256 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 266 | |
| Loans with Conditions: | 212 | |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 5 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 6 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 8 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 9 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 11 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 17 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 18 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 21 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 23 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 33 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 34 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | A | D | A | A | A | D | A | D | A | Not Applicable | ||||||||||||||||||||
| 36 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 38 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 633 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 42 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 48 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 51 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 52 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 58 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 60 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 62 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | 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 | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 67 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 72 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 73 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 74 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 76 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | A | D | A | A | A | D | A | C | A | No | ||||||||||||||||||||
| 78 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 79 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No | ||||||||||||||||||||
| 80 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | C | B | A | A | D | A | D | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 81 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 83 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Yes | ||||||||||||||||||||
| 84 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 85 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 87 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 95 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | No | ||||||||||||||||||||
| 97 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 98 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | C | A | C | A | A | A | C | A | C | A | Not Applicable | ||||||||||||||||||||
| 100 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 103 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | No | ||||||||||||||||||||
| 104 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 107 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 109 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 114 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 117 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 118 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 120 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 123 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 124 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 125 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | 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 | ||||||||||||||||||||
| 127 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 131 | 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 |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 132 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 133 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 138 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Yes | ||||||||||||||||||||
| 139 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 141 | 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 | C | A | D | A | D | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 148 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 152 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 153 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 155 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 156 | 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 | Not Applicable | ||||||||||||||||||||
| 162 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | No | ||||||||||||||||||||
| 177 | XXXXXX | XXXXXX | XXXXXX | D | D | D | C | C | B | D | D | D | D | D | C | C | A | D | D | Not Applicable | ||||||||||||||||||||
| 178 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 184 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 186 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 189 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 192 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | No | ||||||||||||||||||||
| 195 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 198 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 201 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 202 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 204 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 206 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 207 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 209 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 210 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 211 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 213 | XXXXXX | XXXXXX | XXXXXX | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | Not Applicable | ||||||||||||||||||||
| 214 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 215 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Not Applicable | ||||||||||||||||||||
| 217 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | C | B | D | B | D | B | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 218 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | B | A | A | D | B | B | B | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 220 | XXXXXX | XXXXXX | XXXXXX | D | D | C | C | D | A | D | D | D | D | C | C | D | A | D | D | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | XXXXXX | D | D | B | B | D | B | D | D | D | D | B | B | D | A | D | D | No | ||||||||||||||||||||
| 224 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 227 | XXXXXX | XXXXXX | XXXXXX | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | Not Applicable | ||||||||||||||||||||
| 230 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | No | ||||||||||||||||||||
| 232 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 235 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 238 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Not Applicable | ||||||||||||||||||||
| 239 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 240 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 242 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | C | B | B | B | D | B | D | A | C | A | B | B | Not Applicable | ||||||||||||||||||||
| 243 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 245 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 246 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 248 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 250 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 251 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 254 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 259 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | C | C | C | A | C | C | A | A | C | C | C | A | Not Applicable | ||||||||||||||||||||
| 261 | XXXXXX | XXXXXX | XXXXXX | D | C | D | A | C | C | D | A | D | C | D | A | C | C | D | A | Not Applicable | ||||||||||||||||||||
| 263 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 267 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 270 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 275 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 276 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | No | ||||||||||||||||||||
| 278 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 279 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 284 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 287 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 291 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 297 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 300 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 301 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | D | B | D | B | A | A | D | A | D | B | Not Applicable | ||||||||||||||||||||
| 306 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 307 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 312 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 313 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 315 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 323 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | No | ||||||||||||||||||||
| 324 | XXXXXX | XXXXXX | XXXXXX | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | Not Applicable | ||||||||||||||||||||
| 328 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 329 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 330 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 333 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 342 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 344 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | B | C | B | D | B | D | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 345 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 347 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 348 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 352 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 354 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 355 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 358 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | No |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 364 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 373 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 374 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 378 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 382 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | No | ||||||||||||||||||||
| 386 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 387 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 388 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 390 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No | ||||||||||||||||||||
| 391 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Yes | ||||||||||||||||||||
| 392 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | C | B | B | B | C | B | C | A | C | A | B | B | Not Applicable | ||||||||||||||||||||
| 394 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 395 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 398 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 400 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 401 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 402 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 405 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 406 | 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 | Yes | ||||||||||||||||||||
| 412 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 414 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 415 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 417 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 418 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 421 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | No | ||||||||||||||||||||
| 422 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable | ||||||||||||||||||||
| 424 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 428 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | A | A | A | B | A | A | A | Not Applicable | ||||||||||||||||||||
| 429 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 430 | XXXXXX | XXXXXX | XXXXXX | C | C | C | A | A | A | C | C | C | C | C | A | A | A | C | C | Not Applicable | ||||||||||||||||||||
| 433 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 439 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | C | B | C | B | A | A | C | A | C | B | Not Applicable | ||||||||||||||||||||
| 442 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 445 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 446 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | No |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 448 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 449 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 451 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 453 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 455 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 460 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 462 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 464 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 468 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 470 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 472 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable | ||||||||||||||||||||
| 474 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 486 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 487 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | No | ||||||||||||||||||||
| 492 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 496 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | A | A | D | A | C | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 497 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable | ||||||||||||||||||||
| 498 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | D | B | D | B | C | A | D | A | D | B | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 499 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 500 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | No | ||||||||||||||||||||
| 501 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 502 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 504 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | 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 | ||||||||||||||||||||
| 513 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 514 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 516 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | B | C | B | D | B | C | A | D | A | C | B | No | ||||||||||||||||||||
| 519 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 524 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 528 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No | ||||||||||||||||||||
| 529 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 530 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No | ||||||||||||||||||||
| 531 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 532 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 533 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 534 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 536 | XXXXXX | XXXXXX | XXXXXX | D | B | C | A | D | A | B | B | D | B | C | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 537 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 540 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 541 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 542 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 543 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 544 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 547 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 549 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 552 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 554 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 555 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 556 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 558 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 559 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 562 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 563 | XXXXXX | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | No | ||||||||||||||||||||
| 565 | 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 | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 569 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 570 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 572 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 574 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 575 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 576 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | 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 | Not Applicable | ||||||||||||||||||||
| 581 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 584 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 585 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 588 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 592 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 599 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No | ||||||||||||||||||||
| 601 | 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 |
Broker Application |
Initial Securitization |
Final Securitization |
Initial Securitization Credit Loan |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations Loan Grade |
Final S&P Property Valuations Loan Grade |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 603 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 606 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 607 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 608 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 611 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 615 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 622 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable | ||||||||||||||||||||
| 623 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 626 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 627 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 628 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | B | C | C | D | C | A | A | D | A | C | C | No |