EXHIBIT 99.2
CLAYTON CONDITIONS REPORT
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV9_J17308 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 98 | |
| Loans with Conditions: | 56 | |
| 22 - Total Active Conditions | ||||||
| 8 - Material Conditions | ||||||
| 3 - Credit Review Scope | ||||||
| 1 - Category: Income/Employment | ||||||
| 1 - Category: Insurance | ||||||
| 1 - Category: LTV/CLTV | ||||||
| 2 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| 1 - Category: Value | ||||||
| 3 - Compliance Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 14 - Non-Material Conditions | ||||||
| 14 - Compliance Review Scope | ||||||
| 14 - Category: RESPA | ||||||
| 75 - Total Satisfied Conditions | ||||||
| 15 - Credit Review Scope | ||||||
| 1 - Category: Assets | ||||||
| 1 - Category: Credit/Mtg History | ||||||
| 6 - Category: DTI | ||||||
| 2 - Category: Insurance | ||||||
| 2 - Category: Legal Documents | ||||||
| 2 - Category: Terms/Guidelines | ||||||
| 1 - Category: Title | ||||||
| 43 - Property Valuations Review Scope | ||||||
| 42 - Category: Appraisal | ||||||
| 1 - Category: Value | ||||||
| 17 - Compliance Review Scope | ||||||
| 5 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Documentation | ||||||
| 10 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 0 - Total Waived Conditions | ||||||
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV9_J17308 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 98 | |
| Loans with Conditions: | 56 | |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 13 | 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 | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. |
No | Ten percent tolerance fail of $564.40 due to Title Insurance Title Endorsement, Escrow Service and Recording Service fee increased on CD issued XXX and XXX with no/ invalid COC in file. Provide COC reflecting valid reason for the fee changes within 3 business days of change -OR- PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking, within 60 days of consummation.XXX was listed on the Service Provider List and used for these services, but these fees remained in Section C Services Borrower Did Shop for. |
07.30.2026 - Cure provided via refund. |
07.30.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $80,555.29 / 32.89 months PITIA > min required of $28,254.12. | |||||||||||||||||||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/ Mtg History |
Satisfied | C | A | C | A | CRDCRMH1805 | Debts/ obligations not disclosed/ accounted for at origination |
No | Missing proof of no HOA fees due for the following REO’s: (1) XXXXXX; and (2) XXXXXX. Per independent verification, it appears both properties have HOA fees due. |
8/21/2026: Received updated LP #11 run XXX 29%/ 47% ratios. Clayton verified no HOA on XXXXXX, and $98.50/mo HOA on XXXXXX Ratios still within tolerance. |
8/21/2026: Exception satisfied, |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 787 is 167 points above the 620 required.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of 11.93%. | |||||||||||||||||||||||||||||||||||||
| 1118 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing CDA. CU Score in file 3.1, guideline requires 2.5 and below. Clayton to order Desk Review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 21+ years at present job | |||||||||||||||||||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Adjusted Charges $14244.35, max charges $13007.94. Difference of $1236.41. Exceeds 3% by .285%. Fees included in calculation: $1199 Administration, $$12970.35 Discount, $9225 Broker fee and $75 tax service. Mavent on page 1756 supports review failing status. |
8/14/2026: Received LOX and Business Purpose Affidavit signed XXX. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 27+ years at present job
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Adjusted Charges $14244.35, max charges $13007.94. Difference of $1236.41. Exceeds 3% by .285%. Fees included in calculation: $1199 Administration, $$12970.35 Discount, $9225 Broker fee and $75 tax service. Mavent on page 1756 supports review failing status. |
8/14/2026: Received LOX and Business Purpose Affidavit signed XXX. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 27+ years at present job
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | B | A | B | 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 or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. Corrected on PCCD XXX. Exception satisfied. |
8/14/2026: Received LOX and Business Purpose Affidavit signed XXX. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 27+ years at present job
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 86 | XXXXXX | XXXXXX | CA | (No Data) | ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete |
No | Title supplement dated XXX shows $592,800 coverage. Provide verification Title is updated to $XXX loan amount. |
8/17/2026: Received Final Title with proper coverage. |
8/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 620
CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.21% CLTV < max permitted of 75%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 33.60% DTI. Max allowed 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $286,418.91 in post closing reserves. DU requires $69,809.54 reserves. | |||||||||||||||||||||||||||||||||||||
| 88 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $359,176.32 / 119.92 months PITIA > min required of $22,668.03.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage history reporting 29 months 0X30
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | FL | (No Data) | ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing Updated Valuation: LCA score is >2.5. Clayton to order desk review |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $192,796.49. Reserves required $35,855.86
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 791, minimum required by G/L is 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.31%, max allowed by G/L is 45% | |||||||||||||||||||||||||||||||||||||
| 112 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 23 years and 10 months.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job at 23 years and 3 months.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 11 years and 1 month.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | FL | (No Data) | ATR/ QM: Exempt |
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 is N/A >2.5. Clayton to order desk review. |
8/14/2026: Received CDA. |
8/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 15 years. | |||||||||||||||||||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | FL | (No Data) | ATR/ QM: Exempt |
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 | 8/14/2026: Exception added after review of trailing docs: 8/14/2026: Received CDA not supporting value. Clayton to order Field Review. |
8/26/2026: Field review provided supports appraised value. |
8/26/2026: Exception satisfied. |
Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid score > min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 15 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 125 | 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 |
8/14/2026: Received BPO supporting value. |
8/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 54 months mortgage payment history of 0/30
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closed Assets of $185,494.27 / by PITIA of $2880.93 = 64.39 months, is > minimum required of $5761.85
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score is > minimum required score of 620 | |||||||||||||||||||||||||||||||||||||
| 125 | 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. |
8/14/2026: Received BPO supporting value. |
8/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 54 months mortgage payment history of 0/30
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closed Assets of $185,494.27 / by PITIA of $2880.93 = 64.39 months, is > minimum required of $5761.85
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score is > minimum required score of 620 | |||||||||||||||||||||||||||||||||||||
| 147 | XXXXXX | XXXXXX | MA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.03%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 mid score > min required of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-closing reserves are $174,042.33 of which $19,601.88 are required | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1119 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | C | D | C | A | A | A | A | D | C | D | C | A | A | A | A | Credit | Insurance | Active | C | C | C | C | CRDINSR5353 | Insurance Expiration date is prior than the transaction date |
Yes | The insurance policy proceeds the loan transaction as this is a condo master policy. Missing Walls in policy. |
8/14/2026: Received Condo Master HOI with 6/23/2025- 6/23/2026 policy period. Expired prior to Note Date. Provide current dec page through 6/23/2027. |
8/14/2026: Exception remains. |
Not Applicable |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in same job for 17 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 16.07%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 750 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 1119 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | C | D | C | A | A | A | A | D | C | D | C | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete |
No | Missing HO6 policy, DU Sub 9 and Final CD indicate payment amount made to XXXXXX for walls in coverage @ $2,285.00. |
8/14/2026: Received H06 dec page meeting requirements. |
8/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in same job for 17 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 16.07%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 750 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 1119 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | C | D | C | A | A | A | A | D | C | D | C | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present |
No | DU submission number 9 indicates MI coverage of $193.76, MI cert in file. Loan amount was lowered from $XXX to $XXX indicating no MI required, No MI payment collected per final CD and not showing on first payment letter. |
8/14/2026: Provide updated AUS with lower loan amount and MI removed.8/18/2026: Received updated DU #10, 80% LTV, correct loan amount, no MI. DTI 34.94%. |
8/14/2026: Exception remains.8/18/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in same job for 17 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 16.07%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 750 mid score > min required of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is >2.5. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19+ years at present job
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 211 | 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: 769 credit score exceeds guidelines.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 25 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 14.48%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | NC | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 0%.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work 15 years and 2 months.
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 38 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is 3.5 >2.5. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 20 years. | |||||||||||||||||||||||||||||||||||||
| 282 | 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 | 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 @ 0%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 795 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 282 | 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 | A | C | A | CMPTRID3640 | TRID — CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Zero Tolerance fail of $508.56 Loan Discount fees increased from LE to CD. COC provided did not disclose increase in fee. |
08.12.2026 — COC and missing disclosures provided. |
08.12.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0%.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 795 mid score > min required of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | ID | (No Data) | ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | The following document were not found in the loan file:- XXXXXX — evidence of PITIA and payment history |
8/17/2026: Received XXX Final CD for purchase of REO. PITIA is $2,797.48. |
8/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closed Assets of $286,990.59 / by PITIA of $3169.11 = 90.56, is > minimum required of $25,308.98
CFCFS2860: Good credit history - Clayton Comments: Borrower(s) have 0/30 for 99 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score is > minimum required score of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.27% is < maximum allowed of 45%
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower(s) have minimal usage of available revolving credit of 0.0% | |||||||||||||||||||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | AZ | 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 | CMPTRID3640 | TRID — CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Zero tolerance fee increased for Loan discount points from 0.592%/ $1,332 on LE XXX to 1.342%/ $2,959.11 on CD XXX without a COC. MERS fee of $23.70 was also added, but a lender credit for cure for $23.70 was added. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
08.12.2026 — COC provided |
08.12.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9 years.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 246 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 314 | 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 in file. Clayton to order desk review |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.86% is below the program maximum of 45%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 credit score exceeds program minimum. | |||||||||||||||||||||||||||||||||||||
| 329 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in profession for 19 years.
CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on all mortgage loans.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 credit score exceeds 620 program minimum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 334 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA score not provided. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid score > min required of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: 32% DTI < max permitted of 50%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $35,124.90 (11.47 months PITIA reserves) > min required reserves of $22,600.66 | |||||||||||||||||||||||||||||||||||||
| 337 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is 3.5. Clayton to order Desk Review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 252 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1120 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 21.80%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 339 | 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 |
8/12/2026: Received BPO supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 15 + years at primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11 + years at present job | |||||||||||||||||||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is Approved PIW. Clayton to order BPO. |
8/12/2026: Received BPO supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 15 + years at primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11 + years at present job | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | OH | 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 $2,513.51 due to Discount Points increased from CD:XXX to CD:XXX. Please provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. |
8/10/26 - Lender provided COC stating discount points increased due to decrease in interest rate. |
8/10/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 137 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,528.26 / 49.14 months PITI > min required of $14,704.76 | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 137 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,528.26 / 49.14 months PITI > min required of $14,704.76 | |||||||||||||||||||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
6/16/2026: Received BPO supporting value. |
6/16/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 137 months.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,528.26 / 49.14 months PITI > min required of $14,704.76 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1121 | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | LTV/ CLTV |
Active | C | C | C | C | CRDLTV101 | CLTV exceeds guidelines |
Yes | There is a lien on title opened XXX for $590,500. There is no evidence this has been paid and closed which would take the CLTV over 100%. Provide verification of the status of this lien. Additional conditions may apply. |
8/11/2026: Received docs to show lien is secured to another REO, XXXXXX However, it is on Title as a lien for the subject. Provide corrected Title removing this lien. |
8/11/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 52 months mortgage payment history of 0/30
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower(s) have minimal usage of available revolving credit of 3.05%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 mid score is > minimum required score of 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closed Assets of $322,422.26 / by PITIA of $2142.98 = 150.46, is > minimum required $32,225.76 | |||||||||||||||||||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors |
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: 782 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 144 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.40% | |||||||||||||||||||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors |
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 score is > 2.5. Clayton to order desk review. |
8/14/2026: Received CDA supporting value. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 144 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.40% | |||||||||||||||||||||||||||||||||||||
| 435 | 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 | Please provide the Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 8 years and 5 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 15 years.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 30 in 59 months. | |||||||||||||||||||||||||||||||||||||
| 435 | 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 | Missing Updated Valuation: LCA score is missing. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 8 years and 5 months.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 15 years.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit. 0 x 30 in 59 months. | |||||||||||||||||||||||||||||||||||||
| 493 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 37 years at primary residence
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 620
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | VA | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 last 24 months
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization 3.717% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 573 | XXXXXX | XXXXXX | IN | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 1.29%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 22.97% is below the guideline maximum.
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 62 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 575 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided |
No | Missing Change of Circumstance or Post Closing Disclosure.Zero Tolerance fee of $996: Lock In Fee $846, Appraisal Increase $150 |
08.12.2026 - COC provided |
08.12.2026 -Exception satisfied |
Numeric | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $194,137.71 (90.31 months PITIA reserves) > min required reserves of $21,318.80
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt: 0x30 x60 months and 1x30 x greater than 99 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31% DTI < max permitted of 50%
CFCFS5269: Minimal use of credit - Clayton Comments: Negligible usage of available revolving credit lines @ 1.25% | |||||||||||||||||||||||||||||||||||||
| 575 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA score not provided. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $194,137.71 (90.31 months PITIA reserves) > min required reserves of $21,318.80
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt: 0x30 x60 months and 1x30 x greater than 99 months
CFCFS1744: DTI below guideline requirement - Clayton Comments: 31% DTI < max permitted of 50%
CFCFS5269: Minimal use of credit - Clayton Comments: Negligible usage of available revolving credit lines @ 1.25% | |||||||||||||||||||||||||||||||||||||
| 576 | XXXXXX | XXXXXX | DC | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score exceeds guidelines.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 27.45%.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 21.40% is below guideline requirement maximum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption |
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 CD for the purchase of XXXXXX. Sales Contract is in the file with closing date of XXX. XXX verifies the REO was purchased XXX. |
8/11/2026: Received XXX Final CD for primary REO purchase. |
8/11/2026: 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: Qualifying FICO is 720, minimum required by G/L is 620
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption |
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 Affiliate business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 720, minimum required by G/L is 620
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing CD for the purchase of XXXXXX. Sales Contract is in the file with closing date of XXX. XXX verifies the REO was purchased XXX. |
8/11/2026: Received XXX Final CD for primary REO purchase. |
8/11/2026: 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: Qualifying FICO is 720, minimum required by G/L is 620
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. | |||||||||||||||||||||||||||||||||||||
| 595 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 34 years and 2 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 24 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1122 | XXXXXX | XXXXXX | OK | (No Data) | ATR/ QM: Exempt |
C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Credit | Income/ Employment |
Active | C | C | C | C | CRDINC888 | Income Amount is Unsupported by Documentation in File |
Yes | The borrowers are both self- employed less than 25% per the loan application on file. However, the business entity documentation in the file shows both individuals listed with the state as the registrants of the business. They are the only names listed for the business. K-1 statements have not been provided to support less than 25% ownership. If both borrowers own the business 50/50 as the business filing with the state might suggest, then business and personal income tax returns are needed.Business verification shows borrowers as Members, not registered agent who is CT XXX and according to web search, they help those with solo practices, grow their business. The employer is in the borrowers’ names. |
8/12/2026: Lender rebuttal: The registrant for XXXXXX, not the individual borrowers. They are qualified as wage- earning employees of XXXXXX. Clayton disagrees. Verified on XXX website, XXXXXX - owned by the borrowers, is the Registrant/ Owner of XXXXXX as of 7/2025. |
8/12/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has been in the same line of work for 29 years and 9 months.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a low credit utilization ratio of 38.78%
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 9 years. | |||||||||||||||||||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | NC | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post closing reserves are $113.583.17, Guidelines require $16736.33
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 score exceeds guideline minimum requirement | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1123 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | A | D | D | D | D | D | D | D | A | D | D | 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 | Provide full PITI info and HOA if applicable for primary residence on XXXXXX. |
8/17/2026: Received tax info and verification no HOA. File has $1,595 payment for mortgage, but no verification if escrowed. Still need HOI info. |
8/17/2026: Exception remains. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $153,643.61 in post closing reserves.DU requires $19,134.60 reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 766 median FICO. Min required 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1123 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | A | D | D | D | D | D | D | D | A | D | D | D | D | 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 |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $153,643.61 in post closing reserves.DU requires $19,134.60 reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 766 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 1123 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | A | D | D | D | D | D | D | D | A | D | D | D | D | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Provide full PITI info and HOA if applicable for primary residence on Boulder Dr. |
8/17/2026: Received tax info and verification no HOA. File has $1,595 payment for mortgage, but no verification if escrowed. Still need HOI info.8/25/2026: Received Mortgage, full PITI verified. |
8/17/2026: Exception remains.8/25/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $153,643.61 in post closing reserves.DU requires $19,134.60 reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 766 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 1123 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
ATR/ QM: Status Pending |
D | D | D | A | D | D | D | D | D | D | D | A | D | D | D | D | Property Valuations |
Appraisal | Active | D | D | D | D | PRVAAPPR3116 | Missing updated valuation |
Yes | CU Score 2.6. Clayton to order Desk Review. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $153,643.61 in post closing reserves.DU requires $19,134.60 reserves.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 766 median FICO. Min required 620. | |||||||||||||||||||||||||||||||||||||
| 653 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Missing updated valuation. LCA score not provided. Clayton to order desk review. |
8/14/2026: CDA received reviewed an appraisal for an REO. CDA to be corrected.8/20/2026: Received correct CDA supporting value. |
8/14/2026: Exception remains.8/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt: 0x30 x greater than 99 months
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines- 775 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | CO | (No Data) | ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score is N/ A >2.5. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620.
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 34 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 21 years. | |||||||||||||||||||||||||||||||||||||
| 663 | XXXXXX | XXXXXX | MO | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.98%; guidelines allow 85%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 9.02% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 664 | XXXXXX | XXXXXX | NE | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at current job
CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $67058.46 or 25.48 months of P&I | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 3.5. Clayton to order Desk Review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .06%
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 685 | 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: 771 mid score > min required of 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 5+ years at primary residence
CFCFS2854: Significant time in profession - Clayton Comments: 8+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1124 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file |
No | List of homeowners counseling organizations not in file |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $580,573.46 or 189.85 month PITI. Reserves required $120,062.19
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.92% below guidelines 50
CFCFS1736: Significant time at current residence - Clayton Comments: 21+ years at primary residence | |||||||||||||||||||||||||||||||||||||
| 1124 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Required Affiliate Business Disclosure missing |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $580,573.46 or 189.85 month PITI. Reserves required $120,062.19
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.92% below guidelines 50
CFCFS1736: Significant time at current residence - Clayton Comments: 21+ years at primary residence |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1124 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
Yes | Zero tolerance fail for $3168.00. Discount Points added on LE XXX through final CD XXX. No COC provided disclosing addition of fee. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $580,573.46 or 189.85 month PITI. Reserves required $120,062.19
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.92% below guidelines 50
CFCFS1736: Significant time at current residence - Clayton Comments: 21+ years at primary residence | |||||||||||||||||||||||||||||||||||||
| 1124 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Compliance | TILA/ RESPA Integrated Disclosure |
Active | C | C | C | C | 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. |
Yes | 10% tolerance fail for $410.80. Settlement Closing Fee increased by $210.00, Attorney Fee increased by $15, Lender’s Title Insurance increased by $127.20, Title Endorsements increased by $201.09, on final CD XXX. No SPL provided putting the fees in the 10% tolerance bucket. No COC provided disclosing increase in fees. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $580,573.46 or 189.85 month PITI. Reserves required $120,062.19
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.92% below guidelines 50
CFCFS1736: Significant time at current residence - Clayton Comments: 21+ years at primary residence | |||||||||||||||||||||||||||||||||||||
| 1124 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU Score score is >2.5. Clayton to order desk review |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $580,573.46 or 189.85 month PITI. Reserves required $120,062.19
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.92% below guidelines 50
CFCFS1736: Significant time at current residence - Clayton Comments: 21+ years at primary residence | |||||||||||||||||||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 792, minimum required by G/L is 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage history reporting 31 months 0X30
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $335,535.14 or 93.99 months PITI. Reserves required $32,827.38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 715 | 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/CLTV of 69.19% is less than max allowed 75%.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 692 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Post-close assets are $24,608.32 or 13.522 months PITIA. Required PITIA reserves per AUS = $21,837.72. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 728 | XXXXXX | XXXXXX | TN | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months in mortgage payments on 2 mortgages 0x30 lates
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required reserves $28,700.40Post close reserves $36,869.19 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 729 | XXXXXX | XXXXXX | MD | 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 | CRDINSR3278 | Hazard Insurance documentation in file is incomplete |
No | PUD HOA Master Policy does not include Walls- in. The H06 provided shows no premium. Provide the premium so the escrow can be included in PITIA and DTI. |
8/12/2026: Received verification the HOI policies are perpetual and no additional premiums are required. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 778 mid score > min required of 680
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $27,464.19 in post closing reserves.DU requires $17,454.26 reserves. | |||||||||||||||||||||||||||||||||||||
| 729 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/ Guidelines |
Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements |
No | Provide the accurate premium for, XXXXXX REO, and XXXXXX primary. Each dec page has a total deposit required but the HOI escrow entered on final 1003 and 1008, show a lower amount. The DTI goes to 58.90% based on the “Total Deposit” noted on dec pages. |
8/12/2026: Received verification the HOI policies are perpetual and no additional premiums are required. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 778 mid score > min required of 680
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $27,464.19 in post closing reserves.DU requires $17,454.26 reserves. | |||||||||||||||||||||||||||||||||||||
| 782 | XXXXXX | XXXXXX | VA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6%
CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 31.51% is below guideline maximum 50%. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 797 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 2.0%
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 801 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 620 .
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have275 months mortgage payment history 0x30.
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 821 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI |
No | Missing documentation supporting the primary residence status as the borrower recently sold the departing residence. If the borrower is living rent free?, please provide a rent free letter or provide documentation supporting new PITI of the primary residence. |
8/20/2026: Received rent-free letter. Lives with family. |
8/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.48%
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 813. Minimum score per program is 680.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $177,311.45 post closing reserves, or 36.17 months PITIA. AUS Required reserves are $29,400.37. |
| 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 |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 821 | XXXXXX | XXXXXX | FL | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | CU score is >2.5. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.48%
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 813. Minimum score per program is 680.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $177,311.45 post closing reserves, or 36.17 months PITIA. AUS Required reserves are $29,400.37. | |||||||||||||||||||||||||||||||||||||
| 822 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA returned no score due to property type. Clayton to order Desk Review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is 9.133%
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 since inception on both mtg loans. | |||||||||||||||||||||||||||||||||||||
| 823 | XXXXXX | XXXXXX | AR | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per CPA letter, Borrower has been self-employed with current employer since 1/2/2009.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 808 exceeds required FICO of 620.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $56,122.52 or 39.73 months PITIA. Required PITIA reserves are $12,299.77 per AUS. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 825 | XXXXXX | XXXXXX | AL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.00%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $102,462.87 (85.14 months PITIA reserves) > min required reserves of $16,627.40
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20+ years at present job
CFCFS2854: Significant time in profession - Clayton Comments: 20+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 826 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years at current employment
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score is > minimum required score of 620
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37.53% is < maximum allowed of 45%
CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower(s) have 62 months mortgage payment history of 0/30 | |||||||||||||||||||||||||||||||||||||
| 829 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $94919.90, Guidelines require $88501.24
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 47 month mortgage history with no lates |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 831 | XXXXXX | XXXXXX | TN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $170,782.55. LP Reserves required $81,234.92
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage history reporting 22 months 0X30
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 834 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Required Affiliated Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 23 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 834 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | 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 HELOC with XXXXXX HELOC on credit report reported status as it is not tied to the property on the REO schedule. Credit report indicates a Home Equity Loan but also a $35K credit limit. |
8/17/2026: Received verification it is tied to REO. $0 balance. |
8/17/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 23 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 834 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | 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. |
8/14/2026: Received CDA supporting value. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15 years.
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 23 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 840 | XXXXXX | XXXXXX | SD | 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 |
8/12/2026: Received BPO supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months mortgage history with no lates
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $130249.83, Guidelines require 4448.38 | |||||||||||||||||||||||||||||||||||||
| 840 | XXXXXX | XXXXXX | SD | 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. |
8/12/2026: Received BPO supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months mortgage history with no lates
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $130249.83, Guidelines require 4448.38 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments | Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 861 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post closing reserves are $233,559.25, Guidelines require $42,860.16
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 48 months of mortgage payments 0x30 lates | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 864 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; Clayton’s status determination places loan in a riskier status than the Lender’s status determination. |
No | Adjusted Charges$12,998.00Total Loan Amount$273,986.13Maximum Charges %3.000%Maximum Charges$8,219.58Charges Margin to Threshold $4,778.42Total Charges %4.744%Exceeds fees test threshold? Yes |
8/14/2026: Received Business Purpose Affidavit. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 9 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 864 | XXXXXX | XXXXXX | WA | (No Data) |
ATR/ QM: Exempt |
C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/ Qualified Mortgage |
Satisfied | C | A | C | A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/ Qualified Mortgage rule; is not a Qualified Mortgage. |
No | Adjusted Charges$12,998.00Total Loan Amount$273,986.13Maximum Charges %3.000%Maximum Charges$8,219.58Charges Margin to Threshold $4,778.42Total Charges %4.744%Exceeds fees test threshold? Yes |
8/14/2026: Received Business Purpose Affidavit. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 9 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620. | |||||||||||||||||||||||||||||||||||||
| 869 | XXXXXX | XXXXXX | IL | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7+ years at present job
CFCFS1739: Positive mortgage payment history - Clayton Comments: 79 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 620 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 873 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing required Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization 15.609%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18.189%; max DTI is 45% | |||||||||||||||||||||||||||||||||||||
| 873 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | C | B | C | A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW |
No | Loan is PIW approved, Clayton to order BPO |
8/12/2026: Received BPO supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization 15.609%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18.189%; max DTI is 45% |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 873 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is approved PIW. Clayton to order BPO. |
8/12/2026: Received BPO supporting value. |
8/12/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization 15.609%
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18.189%; max DTI is 45% | |||||||||||||||||||||||||||||||||||||
| 892 | XXXXXX | XXXXXX | MD | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets 58,273.35 / 24 months PITIA > min required of $22,352.62.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 687 mid score > min required of 620. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 893 | 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 returned no score due to property type. Clayton to order Desk Review. |
8/20/2026: Received CDA supporting value. |
8/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 mid score > min required of 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 15.34%. | |||||||||||||||||||||||||||||||||||||
| 899 | XXXXXX | XXXXXX | PA | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA or CU score is no score. Clayton to order desk review |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 27.38% is lower than max DTI allowed 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $263,918.80 or 89.81 months PITIA. Required PITIA reserves per AUS = $186,303.28.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VVOE, Borrower has been with current employer since 6/7/26
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 769 exceeds required FICO of 620. | |||||||||||||||||||||||||||||||||||||
| 909 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliated Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 22 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has zero lates on credit.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been a nurse for 16 years. | |||||||||||||||||||||||||||||||||||||
| 909 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period |
No | Please provide missing Initial CD. |
08.24.2026 - ICD received |
08.24.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 22 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has zero lates on credit.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been a nurse for 16 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 909 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation |
No | Zero tolerance fee increased for Discount Points by $740.75 from LE dated XXX to initial and final CD dated XXX without a Change of Circumstance. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. |
8/11/26 - Lender provided COC showing increase in discount points. |
8/11/26 - Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 22 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has zero lates on credit.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been a nurse for 16 years. | |||||||||||||||||||||||||||||||||||||
| 909 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/ RESPA Integrated Disclosure |
Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD |
No | Please provide missing Initial CD |
08.24.2026 - ICD received |
08.24.2026 -Exception satisfied |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 22 years.
CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has zero lates on credit.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been a nurse for 16 years. | |||||||||||||||||||||||||||||||||||||
| 915 | XXXXXX | XXXXXX | CA | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 928 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 778, minimum required by G/L is 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $199,246.61 or 59.12 months PITIA. Reserves required $20,218.84
CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 12 years | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 929 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26+ years at present job
CFCFS1736: Significant time at current residence - Clayton Comments: 26 + years at primary residence
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.23% | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 963 | XXXXXX | XXXXXX | MO | (No Data) |
ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA score 4.0. Clayton to order Desk Review. |
8/14/2026: Received CDA supporting value. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post closing reserves are $84076.77, Guidelines require $12019.98
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 credit score above guideline minimum of 620 |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 965 | XXXXXX | XXXXXX | VA | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been with the same employer for 14.8 years
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 779, minimum required by G/L is 620
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $32,293.12, reserves required $15,190.30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 970 | XXXXXX | XXXXXX | TX | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines - 706 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession- Borrowers have been in same professions for 10 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 977 | XXXXXX | XXXXXX | AR | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds guidelines.
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 41 months.
CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI ratio of 37.39% is below the guideline maximum. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 980 | XXXXXX | XXXXXX | CO | (No Data) | ATR/ QM: Exempt |
D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (CU) score is > 2.5 Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 782, minimum required by G/L is 620
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7+ years at current job.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% | |||||||||||||||||||||||||||||||||||||
| 985 | 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 greater than 2.5, Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 50 years at primary residence
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 990 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC2518 | The note, mortgage, and/or other legal documents do not accurately reflect the agreed upon loan terms |
No | Page 2 of DOT is blank. |
8/7/2026: Received all pages of the DOT and all Riders. |
8/7/2026: 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: 811 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub Category |
Condition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 990 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/ Deed in file is incomplete |
No | Missing the second page of the security instrument. |
8/7/2026: Received all pages of the DOT and all Riders. |
8/7/2026: 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: 811 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||||||||||||||||||||||||
| 990 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (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 | B | C | B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount |
No | CD XXX Section: Loan Calculation, Field: Total of Payments, CD Value: $XXX, review value $XXX. Missing Final CD. Please note additional conditions may apply upon receipt and review of Final CD. |
8.12.2026 Corrected on PCCD |
8.12.2026 Exception satisfied |
Numeric | Not Applicable |
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||||||||||||||||||||||||
| 990 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Legal Documents |
Satisfied | D | A | D | A | CRDLGL2864 | Copy of Mortgage/ Deed in file is incomplete |
No | Page 2 of DOT is blank. |
8/7/2026: Received all pages of the DOT and all Riders. |
8/7/2026: 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: 811 mid score > min required of 620
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||||||||||||||||||||||||
| 999 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing Affiliate Business Disclosure. |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 17 years at primary residence
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 999 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | No LCA score due to property type. Clayton to order desk review. |
8/14/2026: Received CDA supporting value. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 17 years at primary residence
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 mid score > min required of 620 | |||||||||||||||||||||||||||||||||||||
| 1002 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 15 years.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
ccCondition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1004 | XXXXXX | XXXXXX | AR | QM: Rebuttable Presumption (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months.
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have230 months mortgage payment history 0x30.
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1008 | XXXXXX | XXXXXX | TX | (No Data) | ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non- subject PITI |
No | Missing a copy of the Note and final CD for XXXXXX supporting PITI of $1,368.96 per month. The Purchase Contract indicates XXX closing, as does the subject contract. |
8/17/2026: Received XXX Final CD Purchase showing $1,369.29 PITI. |
8/17/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years at current job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 54 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||||||||||||||||||||||||
| 1008 | XXXXXX | XXXXXX | TX | (No Data) | ATR/ QM: Exempt |
D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | LCA (or CU) score is >2.5. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years at current job
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 54 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||||||||||||||||||||||||
| 1014 | XXXXXX | XXXXXX | CA | (No Data) | ATR/ QM: Exempt |
C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% |
No | DTI 71.29 - DU AUS DTI 47.01Workers’ CompPer XXX LOX from borrower, return to work approximately June 2026.04/07/2026, per employer, return to work date XXX.First payment date 06/01/2026Per employer, salary $9,663.00 and disability pay is 2/3 of the salary$9,663.15 / 3 = $3,221.05 x 2 = $6,442.1001/2026 paystub $6,442.10Lender used salary $9,663.15 |
8/12/2026: Lender rebuttal with FNMA guides B3-3.3-09 Temp Leave. Allowed to use liquid reserves to offset difference between standard salary and Worker Comp salary. DTI is now 49.42%. Lender verified 47.01%. Within tolerance. |
8/12/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $91,932.79 post closing reserves, 41.39 PITI for subject property. Guidelines require 6 months / $11,637.67; ($1,939.61*6).
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.71%
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 813. Minimum score per program is 620. | |||||||||||||||||||||||||||||||||||||
| 1125 | XXXXXX | XXXXXX | MI | (No Data) | ATR/ QM: Exempt |
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 | CU returned no score due to property type. Clayton to order desk review. |
8/14/2026: Received CDA. |
8/14/2026: Exception satisfied. |
(No Data) | Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 fico score exceeds guidelines
CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18 years at current job | |||||||||||||||||||||||||||||||||||||
| 1125 | XXXXXX | XXXXXX | MI | (No Data) | ATR/ QM: Exempt |
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 | 8/14/2026: Exception added after review of trailing docs: 8/14/2026: Received CDA not supporting value. Clayton to order Field Review. |
(No Data) | (No Data) | Not Applicable |
Not Applicable |
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 fico score exceeds guidelines
CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence
CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18 years at current job |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
ccCondition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1018 | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (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 score is 793. Minimum score per program is 620.
CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.69%
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for over 24 years. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1025 | 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 | Missing updated valuation. LCA score > 2.5. Clayton to order desk review. |
8/13/2026: Received CDA supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 19 + years at present job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 30+ years. | |||||||||||||||||||||||||||||||||||||
| 1029 | XXXXXX | XXXXXX | TN | 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 |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $273339.03 or 114.26 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 1029 | XXXXXX | XXXXXX | TN | 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. |
8/14/2026: Received CDA supporting value. |
8/14/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $273339.03 or 114.26 months of P&I
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 fico score exceeds guidelines 620 | |||||||||||||||||||||||||||||||||||||
| 1030 | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption |
QM: Safe Harbor (APOR) |
B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing |
No | Missing the Affiliate Business Disclosure |
(No Data) | (No Data) | (No Data) |
Not Applicable |
CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have741 months mortgage payment history 0x30.
CFCFS1736: Significant time at current residence - Clayton Comments: 24 years at primary residence
CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 24 months. | |||||||||||||||||||||||||||||||||||||
| 1126 | 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: 776 credit score exceeds program 620 minimum.
CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been a teacher for 32 years.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for 26 years. |
| Deal ID |
Loan Number |
Original Principal Balance |
State | Initial Lender ATR/ QM Status |
Loan Level ATR/ QM Status |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Credit Loan Grade |
Final Securitization Credit Loan Grade |
Initial Securitization Property Valuations Loan Grade |
Final Securitization Property Valuations Loan Grade |
Initial Securitization Compliance Loan Grade |
Final Securitization Compliance Loan Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Credit Loan Grade |
Final S&P Credit Loan Grade |
Initial S&P Property Valuations |
Final S&P Property Valuations Loan |
Initial S&P Compliance Loan Grade |
Final S&P Compliance Loan Grade |
Condition Category |
Condition Sub |
ccCondition Status |
Initial Securitization Condition Grade |
Final Securitization Condition Grade |
Initial S&P Condition Grade |
Final S&P Condition Grade |
Condition Code |
Condition Description |
Condition Material Indicator |
Initial Comments |
Client/ Seller Response |
Conclusion Comments |
TRID Error Type |
Cure Method |
Compensating Factors | |||||||||||||||||||||||||||||||||||||
| 1127 | 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: 6 years at current job
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 fico score exceeds guidelines 620
CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1034 | XXXXXX | XXXXXX | TX | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 12.24%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required reserves $10,724.10Post close reserves $25,811.42
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 713. Minimum score per program is 680. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1038 | XXXXXX | XXXXXX | IN | (No Data) |
ATR/ QM: Exempt |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.61%
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $78,906.46 post closing reserves, 28.27 PITI for subject property. Guidelines require 6 months / $22,524.39; ($2,791.57*6).
CFCFS2860: Good credit history - Clayton Comments: Borrower score is 805. Minimum score per program is 680. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1042 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 620
CFCFS1736: Significant time at current residence - Clayton Comments: 24 + years at primary residence
CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ years at present job | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1044 | 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. |
8/13/2026: Received BPO supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.62% DTI ratio is below the guideline maximum.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 39 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 24.05%. | |||||||||||||||||||||||||||||||||||||
| 1044 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) |
QM: Safe Harbor (APOR) |
D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Property Valuations |
Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation |
No | Loan is PIW approved. Clayton to order BPO. |
8/13/2026: Received BPO supporting value. |
8/13/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.62% DTI ratio is below the guideline maximum.
CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 39 years.
CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a low credit utilization ratio of 24.05%. | |||||||||||||||||||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | IN | (No Data) |
ATR/ QM: Exempt |
D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements |
No | DU Findings require 2 months asset statements for approval. Only received 4/1 - 4/30/26 statement for XXXXXX and 4/24 - 5/26/26 for XXXXXX. |
8/20/2026: Received additional consecutive month stmnt for both accounts. |
8/20/2026: Exception satisfied. |
(No Data) |
Not Applicable |
CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per WVOE/ VVOE, Borrower has been with current employer since 4/1/2012.
CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 806 exceeds required FICO of 620.
CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 39.13% is lower than max DTI allowed 45%.
CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets are $83,817.98 or 43.502 months PITIA. Required PITIA reserves are $11,560.69 per AUS. |
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-INV9_J17308 | |
| Conditions Report 2.0 | ||
| Loans in Report: | 98 | |
| Loans with Conditions: | 56 | |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Property Valuation |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 13 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable | ||||||||||||||||||||
| 14 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1118 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 82 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 86 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 88 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 102 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 112 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 121 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | 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 | ||||||||||||||||||||
| 147 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 1119 | XXXXXX | XXXXXX | XXXXXX | D | C | D | C | A | A | A | A | D | C | D | C | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 193 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | 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 | Not Applicable | ||||||||||||||||||||
| 223 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 258 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 282 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No | ||||||||||||||||||||
| 298 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 309 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable | ||||||||||||||||||||
| 314 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Property Valuation |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 329 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 334 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 337 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1120 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 339 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 377 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | A | C | B | No | ||||||||||||||||||||
| 1121 | XXXXXX | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 423 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 435 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No | ||||||||||||||||||||
| 493 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 551 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 573 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 575 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable | ||||||||||||||||||||
| 576 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 589 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 595 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1122 | XXXXXX | XXXXXX | XXXXXX | C | C | C | C | A | A | A | A | C | C | C | C | A | A | A | A | No | ||||||||||||||||||||
| 648 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1123 | XXXXXX | XXXXXX | XXXXXX | D | D | D | A | D | D | D | D | D | D | D | A | D | D | D | D | Not Applicable | ||||||||||||||||||||
| 653 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Property Valuation |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 660 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 663 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 664 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 683 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 685 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 687 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1124 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | A | C | C | D | C | A | A | D | A | C | C | Not Applicable | ||||||||||||||||||||
| 694 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 715 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 728 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 729 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 782 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 797 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 801 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 821 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 822 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 823 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 825 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 826 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 829 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 831 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Property Valuation |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 834 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | D | A | B | B | D | B | D | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 840 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 861 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 864 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No | ||||||||||||||||||||
| 869 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 873 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 892 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 893 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 899 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 909 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable | ||||||||||||||||||||
| 915 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 928 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No | ||||||||||||||||||||
| 929 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 963 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 965 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 970 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 977 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 980 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 985 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 990 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| Deal ID |
Loan Number |
Lender Application Date |
Broker Application |
Initial Securitization Overall Loan Grade |
Final Securitization Overall Loan Grade |
Initial Securitization Loan Credit Grade |
Final Securitization Loan Credit Grade |
Initial Property Valuation |
Final Securitization Loan Property Valuations Grade |
Initial Securitization Loan Compliance Grade |
Final Securitization Loan Compliance Grade |
Initial S&P Overall Loan Grade |
Final S&P Overall Loan Grade |
Initial S&P Loan Credit Grade |
Final S&P Loan Credit Grade |
Initial S&P Loan Property Valuation Grade |
Final S&P Loan Property Valuations Grade |
Initial S&P Loan Compliance Grade |
Final S&P Loan Compliance Grade |
Did Lender Acknowledge Exception at Origination | ||||||||||||||||||||
| 999 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 1002 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1004 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1008 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1014 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1125 | XXXXXX | XXXXXX | XXXXXX | D | C | A | A | D | C | A | A | D | C | A | A | D | C | A | A | Not Applicable | ||||||||||||||||||||
| 1018 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1025 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable | ||||||||||||||||||||
| 1029 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Not Applicable | ||||||||||||||||||||
| 1030 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable | ||||||||||||||||||||
| 1126 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1127 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1034 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1038 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1042 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable | ||||||||||||||||||||
| 1044 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | A | A | A | D | A | A | A | No | ||||||||||||||||||||
| 1059 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |